ICICI Sapphiro (American Express) Credit Card
ICICI Bank
Last updated: Feb 03, 2026
₹6,500
₹6,500
2.5%
18 visits/yr
Contents
A premium travel and lifestyle credit card offering generous welcome vouchers, milestone rewards and complimentary airport lounge access. Ideal for frequent travellers and lifestyle spenders who value concierge services and premium partner benefits. Rewards are redeemable across travel and lifestyle partners with priority-pass style international benefits.
Features of ICICI Sapphiro (American Express) Credit Card which makes it unique
Concierge Services
24/7 concierge for travel and lifestyle bookings
Premium planning support
Typical of premium Amex products
Milestone Rewards
Bonus points or benefits on hitting spend milestones
Higher value for frequent spenders
Competitive with other premium cards
Rewards Structure of ICICI Sapphiro (American Express) Credit Card
Dining
acceleratedSelected restaurants and dining partners
Offers and partners change periodically; check bank offers
Travel
acceleratedFlight and hotel bookings via partner channels
May include EaseMyTrip, airline transfer options
Base Reward
baseAll retail spends except excluded categories
Fuel, insurance and cash transactions may be excluded
Milestones of ICICI Sapphiro (American Express) Credit Card
Quarterly Milestone
₹75,000 : Complimentary domestic lounge accesses / bonus points (as per bank T&Cs)
Annual Milestone
₹6,00,000 : Annual fee waiver and additional milestone rewards
Fees & Charges of ICICI Sapphiro (American Express) Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹6,500 |
| Annual Fee | ₹6,500 |
| Forex Markup Fee | 2.5% |
| 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 waiver on ₹6,00,000 annual spend.
Fee Explanation Joining and annual fees are subject to GST. Fees may be waived when spend thresholds are met as specified by the bank.
Detailed Explanation of ICICI Sapphiro (American Express) Credit Card Fees
Joining / Annual Fee: 6500 (yearly)
Plus GST; waiver on ₹6,00,000 annual spend
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction
Lounge Access Benefits with ICICI Sapphiro (American Express) Credit Card
domestic Lounges
silverVisits per year: 16
Guest access: No
Domestic lounge access eligibility linked to quarterly spend; check bank T&Cs.
international Lounges
silverVisits per year: 2
Guest access: Yes
International access via Priority Pass membership for eligible cardholders.
Insurance Coverage with ICICI Sapphiro (American Express) Credit Card
Travel Insurance
₹3,00,00,000Cover applies when travel is booked with the card and as per insurer policy
Purchase Protection
₹50,000Valid for purchases made on card within specified window
Additional Features of ICICI Sapphiro (American Express) Credit Card
Contactless Payments
Tap-and-pay enabled for fast POS transactions
Add-on Cards
Add-on cards available for family members
Number of add-on cards subject to bank policy
Welcome Bonus with ICICI Sapphiro (American Express) Credit Card
Welcome Bonus: Welcome vouchers
Bonus Conditions: Available to new customers; includes vouchers from Uber, EaseMyTrip, Tata CLiQ and others; merchant and minimum-spend T&Cs apply.
Application Process for ICICI Sapphiro (American Express) Credit Card
Processing Time
Card dispatched within 7 business days after approval
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via ICICI Bank website or partner channels
Upload KYC documents (PAN, Aadhaar, income proof if required)
Receive verification call or email from the bank
Card dispatched within 7 business days after approval
Required Documents for ICICI Sapphiro (American Express) Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
ICICI Sapphiro (American Express) Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where American Express is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Sapphiro (American Express) Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹50,000
Minimum annual income
Self-Employed Applicants
₹75,000
Minimum annual income
Who Can Apply
Important Conditions
- Primary cardholder must provide valid PAN and Aadhaar; bank verification required.
How Approval Is Decided
- Minimum income as specified for premium variants
- Indian resident with valid PAN and Aadhaar
- Satisfactory credit score and bank verification
Pros of ICICI Sapphiro (American Express) Credit Card
- Strong travel and lifestyle benefits
- Multiple domestic lounge visits and some international access
- Good welcome vouchers covering travel and e-commerce
Cons of ICICI Sapphiro (American Express) Credit Card
- High joining and annual fee (plus GST)
- Lounge access and fee waivers require high annual spend
- Certain spends (fuel, cash) may not earn rewards
Frequently Asked Questions about ICICI Sapphiro (American Express) Credit Card
What is the joining fee for the ICICI Sapphiro (Amex) card?
The joining and annual fee is ₹6,500 plus GST; waiver available on meeting the annual spend threshold.
What welcome benefits do I get?
Welcome vouchers and reward points worth up to ₹9,000 distributed across partner merchants; terms apply.
How many lounge visits are included?
Up to 16 domestic lounge visits per year and a limited number of international visits via Priority Pass/partner membership — eligibility tied to spend criteria.
How can I waive the annual fee?
Annual fee waiver is typically available on meeting the bank’s defined annual spend (for example ₹6,00,000); verify current threshold with ICICI.
Are there milestone rewards?
Yes — the card offers milestone benefits and bonus points when you hit specified quarterly/annual spend levels as per bank terms.
Which mobile wallets are supported?
Supports Apple Pay, Google Pay, Samsung Pay, Phone Pe, Paytm and Amazon Pay — subject to bank and network compatibility.
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