Earn Emirates Skywards Miles on every ₹100 spend: 1.5 Miles (Domestic), 1.5 Miles (International)
5,000 Skywards Miles on annual renewal
5,000 Skywards Miles and complimentary Emirates Skywards Silver Tier Membership
2 complimentary international airport lounge accesses
2 domestic lounge accesses per quarter on minimum spend of ₹75,000 in the preceding calendar quarter
Complimentary Priority Pass Membership (access to 1,400+ lounges in 145+ countries)
Complimentary DreamFolks Membership (access to 650+ lounges in 100+ countries)
Book 1 movie ticket on BookMyShow and get up to ₹500 off on the second ticket, twice every month
1% fuel surcharge waiver on transactions between ₹400–₹4,000
Fees
Joining FeeNo Joining Fee Offset
₹5,900
₹5,000 + GST
Annual FeeNo Annual Fee Wavier
₹5,900
₹5,000 + GST
Eligibility
Age
21-60 years
Salary
₹1.5L / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.5%
Reward RedemptionA redemption handling fee of ₹99 plus GST is charged on catalogue-based reward redemptions
₹99
Railway SurchargeA surcharge of 1.80% is applied to transactions made for booking railway tickets
1.80%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of ₹100 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹100
Cash Payment₹150 cash payment fee per deposit
₹150
Late Payment Charges
Amount due
Fee
₹0-₹100
₹0
₹100-₹500
₹100
₹501-₹1,000
₹500
₹1,001-₹5,000
₹600
₹5,001-₹10,000
₹750
₹10,001-₹25,000
₹900
₹25,001-₹50,000
₹1100
More than ₹50,000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
The features and privileges offered on the ICICI Emirates Skywards Sapphiro Credit Card are subject to the bank’s approval and applicable terms and conditions. Benefits may be revised, withdrawn, or modified at the discretion of ICICI Bank and Emirates Skywards without prior notice. Lounge access, milestone benefits, and partner offers are provided subject to eligibility criteria and availability. The cardholder must comply with all program rules, including those of Emirates Skywards, for earning and redemption of miles. All disputes related to offers and services are governed by the bank’s Most Important Terms & Conditions
