Key Highlights of ICICI Bank Sapphiro Credit Card

Axis Bank My Zone Credit Card
Best Suited for  Travel
Joining Fee Rs. 5000
Annual Fee Rs. 10000
Welcome Benefits Get 10,000 Bonus Reward Points on first transaction within 30 days of card issuance.
Best Feature Offers up to 10 reward points for every Rs. 200 spent on SpiceJet flights
The Money Fair Rating ★★★(3/5)


  • Air miles: Earn 2 SpiceJet Air Miles for every Rs. 100 spent on the card.
  • Welcome bonus: Get 500 bonus SpiceJet Air Miles on your first transaction with the card.
  • Fuel surcharge waiver: Get 1% fuel surcharge waiver on all fuel transactions.
  • Airport lounge access: Get complimentary access to airport lounges twice a year.
  • Reward points: Earn 5 reward points for every Rs. 150 spent on the card.
  • No annual fee: Enjoy no annual fee for the first year.


With this credit card, you can get 40% off on food delivery at Swiggy. Below mentioned are the offer details:

  • Cashback: Get up to 5% cashback on dining, groceries and fuel transactions.
  • Mileage rewards: Get up to 20% discount on SpiceJet flight bookings.
  • Flexible repayment: Enjoy flexible repayment options with convenient repayment plans.
  • Balance transfers: Transfer your outstanding balance from other credit cards to your ICICI Bank Sapphiro Credit Card.
  • Global acceptance: Enjoy global acceptance with your ICICI Bank Sapphiro Credit Card.
  • Insurance coverage: Get complimentary travel insurance coverage when you use your ICICI Bank Sapphiro Credit Card.

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ICICI Bank Sapphiro Credit Card: Fees & Charges

The fees and charges applicable to ICICI Bank Sapphiro Credit Card are mentioned below:

Type of Fee/ Charge Amount

Joining Fee

Rs. 5000

Annual/ Renewal Fee

Rs. 10000

Finance Charges

3.6% per month (52.86% per annum)

Late Payment Fee

  • Less than Rs. 500 Nil
  • From Rs. 501 to Rs. 5,000: Rs. 500
  • From Rs. 5,001 to Rs. 10,000: Rs. 750
  • Greater than Rs. 10,000: Rs. 1,200

Whether or not you should go for the ICICI Bank Sapphiro Credit Card depends on your financial goals and needs. If you are looking for a card that offers rewards points for purchases made on SpiceJet flights, then this card could be a good option for you. However, you should compare the features and benefits of this card with other cards available in the market before making a decision.

It depends on your needs and financial situation. It may be a good option if you are a frequent flyer and are looking for a rewards program that offers discounts on airfare and other travel-related expenses. However, it is important to consider the fees associated with the card as well as the rewards you will receive before deciding if it is the right choice for you.

Q.  What is the eligibility criteria to receive the welcome benefit e-voucher?

A. The eligibility criteria to receive the welcome benefit e-voucher vary depending on the specific offer. Generally, customers must be new to the program, have a valid email address, and meet the minimum spend requirement associated with the offer.

Q. Where will I receive my welcome voucher?

A. Your welcome voucher will be sent to your email address. You may also find it in your account's "My Vouchers" page.

Q. What is the validity of the welcome voucher?

A. The validity of the welcome voucher typically depends on the specific offer. Check the terms and conditions of the voucher for more information.

Q. When would I receive the SC Points earned on achieving the milestone benefits?

A. The SC Points earned on achieving milestone benefits will be credited to your SC Points wallet within 10 working days of meeting the criteria.