ICICI Bank Expressions Sapphiro Forex Card

ICICI Bank · prepaid forex card · Open to buy

ICICI Bank's customisable forex card (over 150 designs): a ₹3,499 joining fee, zero cross-currency markup, three free ATM withdrawals a month and two lounge visits.

Currencies
15 currencies: USD, GBP, EUR, CAD, AUD, SGD, AED, CHF, JPY, SEK, ZAR, SAR, THB, NZD, HKD
Cross-currency markup
0%
Issuance
₹3,499 once
ATM withdrawal
USD 2, EUR 1.5, GBP 1.5
Valid for
6 years
Data
From bank documents, checked 6 Nov 2026

Where the sources disagree

  • Cross-currency mark-up: The card page says "Zero Mark-up Fee on cross-currency transactions"; the shared schedule of charges (applicable from 1 May 2024) says "Cross Currency Fee: 3.5% + GST (applicable for all transaction types)" and the T&C add 3.5% to the conversion rate. We enter the card page's 0%.
  • Replacement card: The page promises a free replacement card if the primary card is lost or damaged; the schedule charges USD 20 for a lost card replaced at an international location. Both are entered.

Not in these numbers

  • The exchange rate the card is loaded and refunded at is ICICI's rate on the day; no margin over a market rate is published, so the comparison leaves it out.
  • The page does not state eligibility or the network.
  • The page is silent on the schedule's 2.5% wallet-to-wallet fee and on the 1% uncapped-ATM fee; both are entered from the schedule, which covers all ICICI forex prepaid cards.
  • The insurance policy page (s4) is written for ICICI Bank Forex Prepaid Card customers in general and the T&C give every cardholder the ICICI Lombard cover; this card's page lists only the lost card cover and "card protection plus insurance worth ₹1,600".

Sources

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