Emirates Skywards ICICI Bank Sapphiro Credit Card
ICICI Bank · Open to apply
ICICI's mid Emirates card: 1.5 Skywards Miles per ₹100, 5,000 miles on joining and on each renewal, Skywards Silver status and 2 international plus 2 domestic lounge visits. ₹5,000 a year.
- Annual fee
- ₹5,000 + GST a year
- Joining fee
- ₹5,000 + GST
- Base rate
- Eligible retail spends, 1.5 Skywards Miles per ₹100: 1.5 Emirates Skywards Miles per ₹100 (about 1.05% at cash value)
- Lounges
- International: 2 visits a calendar year; Domestic: 2 visits a calendar quarter after ₹75,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No miles on fuel, cash, EMI, insurance, utilities, government, education, rent or wallet loads
Terms the calculator does not value
- Skywards Silver tier is kept in later years only with ₹5 lakh of spend within the 12 months from issue and payment of the annual fee (T&C 3 b; page FAQ); the tier has no rupee value here.
- The page and FAQ may still state the earn rate and lounge terms that applied before the MITC's changes of 2026-01-15; the entered rate follows the T&C and MITC.
- Groceries and department stores, and IRCTC railway spends, earn the base miles rate with no cap of their own: the MITC's capping tables (pp20-22) do not name this card.
Sources
- Emirates Skywards ICICI Bank Sapphiro Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- General MITC for ICICI Bank credit cards (last updated 2026-11-06) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Terms and Conditions governing the features and offers of Emirates Skywards ICICI Bank Sapphiro Credit Card (last updated 2025-09-30) (Reward terms, the bank's own, read 6 Nov 2026)