The ICICI Bank Sapphiro credit card envelopes exclusive benefits and privileges that will make your card experience more enriching. Be rewarded for all your spends and at the same time, enjoy offers, discounts, exclusive invites and lounge access when you use your ICICI Bank Sapphiro credit card. Interest-free credit periods, fuel surcharge waivers, annual fee waivers, travel and golfing privileges, plus a personal concierge are yours for the taking. The Sapphiro credit card is on offer exclusively to chosen customers of ICICI Bank.
On ICICI Bank Sapphiro Website
Updated: 15-07-2024 03:50:34 PM
Chip and PIN enabled:
The ICICI Bank Sapphiro VISA credit card is embedded with a microchip which enhances the security of your card. It gives you additional protection against duplication and counterfeiting. Plus, the added layer of the Personal Identification Number will ensure each transaction is verified by you.
Interest-free credit period:
Get 18 to 48 days time to pay your credit card bills. Every time you pay your bill in full, a fresh interest-free period will begin. You can completely avoid interest charges by clearing all statements in full.
Attractive interest rates:
Interest rates on your credit card purchases can be as low as 1.25% per month. Upon defaults and other negative issues, the maximum interest you can incur is 3.50% per month.
Counterfeit card liability:
With this feature, you will be protected against misuse or fraudulent transactions on your credit card.
Internet banking:
Manage your account easily and conveniently online. Carry out a number of transactions including paying your credit card bill through the Internet banking facility.
Mobile banking:
ICICI Bank has a mobile app to facilitate easy banking on the go. Customers can download the app from the App Store and the Google Play Store. Alternatively, ICICI Bank also provides SMS banking facilities.
| Charge | Amount |
| Joining Fee | Rs.6,500 |
| Annual Fee | Rs. 3,500 (waived if more than Rs. 6 lakh is spent in the previous year.) |
| Supplementary Card | Nil |
| Interest on extended credit or overdue interest | 3.40 % per month (40.80% per annum) |
| Cash advance transaction charge | Rs. 300 or 2.5% of transaction amount, whichever is higher. |
| Interest on cash advance | 3.40 % per month or 40.80% per annum. |
| Card replacement | Rs.100 |
| Chargeslip request | |
| Reward redemption | Rs. 99 + service tax is levied for handling and courier |
| Cash payment at bank branch | Rs.100 |
| Cheque or cash pick up | Rs.100 |
| Outstation cheque processing charge | 1% of the cheque amount, subject to a minimum Rs. 100, |
| Cheque return | 2% of the total amount payable, subject to a minimum of Rs. 250. |
| Auto-Debit return fee | Rs. 250 or 2% of the total amount payable, whichever is higher |
| Overlimit | Rs. 500 or 2.5% of the overlimit amount, whichever is higher |
| Total Amount Due | Charges |
| Rs. 0 – Rs. 99 | Nil |
| Rs. 100 – Rs. 500 | Rs.100 |
| Rs. 500 – Rs. 10000 | Rs.500 |
| Above Rs. 10000 | Rs.750 |
This card is on offer to select customers of ICICI Bank. ICICI Bank reserves the right to offer this card to customers of its choice at its sole discretion.
The following are the ways to pay your ICICI Bank Sapphiro credit card bill.
After you pay the joining fee of Rs. 6,500 for the ICICI Bank Sapphiro credit card, you will receive the complimentary set of Bose IE2 Audio Headphones within 30 days.
Your credit card has been enabled with a microchip and the PIN which is required at any merchant outlet. For online transactions, you need to register for 3D Secure, also known as Verified by VISA to ensure that your online transactions are safe and verified by you.
If your card is lost, misplaced or damaged, kindly request for a new card through the ICICI credit card customer care service, Internet banking or at the Bank branch. The old card will be blocked and a new one will be issued. The replacement card costs Rs. 100 and will reach you within 7 working days.
