ICICI Bank NRI Sapphiro Credit Card

ICICI Bank · Open to apply

The Sapphiro card for non-resident Indians: 2 reward points per ₹100 at home and 4 abroad, lounge visits on spend and golf rounds.

Annual fee
₹3,500 + GST a year
Joining fee
₹6,500 + GST
Fee waiver
Annual fee waived on ₹6,00,000 spend per card year
Base rate
Domestic spends, 2 points per ₹100: 2 ICICI Bank Reward Points per ₹100 (about 0.5% at cash value)
Lounges
International: 2 visits a calendar year; Domestic: 4 visits a calendar quarter after ₹75,000 spend
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • International spends, 4 points per ₹100: 4 ICICI Bank Reward Points per ₹100 (about 1% at cash value)

Earns nothing on

  • No points on cash, rent, fuel, e-wallet loads or EMI

Terms the calculator does not value

  • ICICI publishes no rupee value per reward point. The calculator uses the third-party ₹0.25, so every points-based number on this card moves with it.
  • The earn rules, caps, milestones and benefits are the Sapphiro card's, which the NRI page links to. Sapphiro's welcome vouchers are not entered, as nothing says the NRI card gets them.

Sources

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