ICICI InterMiles Sapphiro (Visa) Credit Card
ICICI Bank
last updated: Oct 28, 2025
₹3,500
₹6,500
1.99%
6 visits/yr
Contents
A premium travel and lifestyle credit card that targets frequent flyers and experience-seekers. It offers accelerated InterMiles earnings, complimentary lounge access, and attractive welcome and renewal benefits. Ideal for cardholders who prioritise travel rewards and regular premium perks.
Features of ICICI InterMiles Sapphiro (Visa) Credit Card which makes it unique
InterMiles Integration
Direct earn and redemption via the InterMiles programme
Seamless travel redemptions and partner benefits
Better travel redemptions versus generic reward programmes
Premium Welcome Kit
Welcome vouchers and partner discounts on joining
Immediate value after paying joining fee
Attractive voucher bundle compared to peers
Rewards Structure of ICICI InterMiles Sapphiro (Visa) Credit Card
Milestones of ICICI InterMiles Sapphiro (Visa) Credit Card
Annual Big Spender Milestone
₹6,00,000 : Annual fee waiver and additional benefits
Initial Spend Milestone
₹60,000 within first 3 months : Extra travel vouchers and partner discounts
Fees & Charges of ICICI InterMiles Sapphiro (Visa) Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹6,500 |
| Annual Fee | ₹3,500 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived on ₹6,00,000 annual spend.
Fee Explanation Standard bank rates apply for overdue amounts. Fees are charged per the bank's published schedule and applicable taxes.
Lounge Access Benefits with ICICI InterMiles Sapphiro (Visa) Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Complimentary domestic lounge visits for primary cardholder as per issuer terms.
international Lounges
silverVisits per year: 2
Guest access: Yes
International lounge access via Priority Pass or partner programme; terms apply.
Insurance Coverage with ICICI InterMiles Sapphiro (Visa) Credit Card
air accident insurance
₹3,00,00,000Cover applies on international travel when ticket purchased using the card, subject to policy terms.
purchase protection
₹50,000Covers eligible purchases for a limited period after purchase.
Additional Features of ICICI InterMiles Sapphiro (Visa) Credit Card
Contactless Payments
Tap-and-pay enabled for quick payments
Add-on Cards
Issuance of add-on cards for family members as per bank policy
Welcome Bonus with ICICI InterMiles Sapphiro (Visa) Credit Card
Welcome Bonus: 10,000 InterMiles
Bonus Conditions: Valid for new customers only; receive bonus after clearing the joining fee and spending ₹20,000 within 90 days.
Application Process for ICICI InterMiles Sapphiro (Visa) Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via the issuer portal
Upload KYC documents
Receive verification call or email
Card dispatched within 5–7 business days after approval
Required Documents for ICICI InterMiles Sapphiro (Visa) Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
ICICI InterMiles Sapphiro (Visa) Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI InterMiles Sapphiro (Visa) Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must provide valid PAN and Aadhaar and meet issuer eligibility criteria.
How Approval Is Decided
- Minimum monthly income ₹30,000 (salaried) or equivalent for self-employed
- Indian resident
- Credit score typically above 700
Pros of ICICI InterMiles Sapphiro (Visa) Credit Card
- High travel-focused reward rates
- Good welcome and renewal benefits
- Useful partner redemption options via InterMiles
Cons of ICICI InterMiles Sapphiro (Visa) Credit Card
- Relatively high joining and annual fees
- Best value for frequent travellers only
Frequently Asked Questions about ICICI InterMiles Sapphiro (Visa) Credit Card
Is there a joining fee?
Yes. The joining fee is ₹6,500; welcome benefits are provided after the joining fee is paid.
How can I waive the annual fee?
The annual fee (₹3,500) can be waived if you meet the bank's high-spend threshold of ₹6,00,000 in the previous year.
What is the welcome bonus?
Earn 10,000 InterMiles after you spend ₹20,000 on the card within 90 days and pay the joining fee.
How do I redeem InterMiles?
InterMiles earned on the card can be redeemed for flights, hotels, and partner services via the InterMiles portal or partner channels, subject to conversion rules.
Is lounge access included?
Yes — complimentary domestic lounge visits and limited international lounge access are included as per issuer terms and partner programme rules.
What documents are required to apply?
Valid PAN and Aadhaar, address proof, and income proof (payslip or Form 16 for salaried applicants) are typically required.
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