ICICI Sapphiro Credit Card 2025
10X Online Rewards
₹15,000 Welcome
4 Lounge Access
2% Fuelback
Save over ₹25,000+ every year with 10X rewards + ₹15K welcome!
Premium lifestyle card! ICICI Sapphiro gives 10X reward points on online spends, ₹15,000 welcome benefits, 4 lounge visits, 2% fuelback.
Perfect for online shoppers & travelers!
Why Choose ICICI Sapphiro in 2025?
10X online • ₹15K welcome • 4 lounge • 2% fuel • 1% offline • Golf benefits
Best for: Online shopping, travel, premium lifestyle
Card At a Glance
Joining Fee
₹3500
₹3500
Annual Fee
₹3500
₹3500
Reward Rate
10X Online
10X Online
Lounge Access
4/Quarter
4/Quarter
Forex Markup
2%
2%
Fuelback
2%
2%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹3500 |
| Annual Fee | ₹3500 |
| Rewards | 10X Online | 2X Offline |
| Forex Markup | 2% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge | 2% cashback |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 10X points = 4% value on Amazon, Swiggy, Zomato, BookMyShow
- 2X points = 0.5% on all other spends
- ₹15,000 welcome on ₹20,000 spend in 30 days
- 1 point = ₹0.40 on travel, ₹0.25 on others
- 2% fuelback on ₹400-₹4000
Airport Lounge Access
- 4 complimentary visits per quarter
- Domestic Visa lounges
- 2 guest visits free
Insurance & Protection Benefits
- ₹1 Crore air accident insurance
- ₹50 Lakh personal accident
- ₹2 Crore international emergency
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X online rewards | ₹3500 fee |
| ₹15K welcome bonus | Low offline rewards |
| 4 lounge/quarter | Devaluation history |
| 2% forex markup | No milestone benefits |
| Golf lessons + rounds | 3.5% interest |
| 2% fuelback |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹6 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, Income proof
How to Apply Online (3-Minute Process)
- Visit ICICI Sapphiro page → Apply Now
- Fill details → Instant approval check
- Upload PAN, Aadhaar, salary slips
- Video KYC verification
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Top online shopping card! 10X rewards + ₹15K welcome = ₹25,000+ value. Perfect if you shop online heavily!
Frequently Asked Questions (FAQs)
10X = 4% return?
Yes! On Amazon, Swiggy, Zomato etc.
₹15K welcome guaranteed?
Yes! On ₹20K spend in 30 days.
4 lounge every quarter?
Yes! + 2 guest visits free.
Easy to upgrade?
Yes! To Coral, Rubyx based on spends.
Fee waiver possible?
Yes! On ₹5L annual spends.