How to Apply for the ICICI Sapphiro Credit Card in 2026

The ICICI Sapphiro Credit Card is a premium card from ICICI's mid-tier segment, sitting between the Coral and the Emeralde. It offers 2 reward points per ₹100 on retail spends, 1.5X on dining and entertainment, 4 domestic lounge visits per year, and 2 international lounge visits. The annual fee is ₹1,500, waived on spends of ₹1.5 lakh in the previous year.

Why this matters

Sapphiro is the most cost-effective ICICI premium card for users who don't qualify for Emeralde. The 4 domestic + 2 international lounge visits cover most moderate travellers, and the 1.5X on dining makes the card useful for foodies. The annual fee is fully recoverable through lounge savings alone.

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How to Apply for the ICICI Sapphiro Credit Card in 2026

Common mistakes to avoid

Sapphiro's lounge access is via Dreamfolks — register on the Dreamfolks app and link your card before your first travel. The 2X dining multiplier is capped at 5,000 points per month. Avoid using the card for fuel above ₹4,000 per transaction — the surcharge waiver is capped at ₹200/month.

Pro tips

• Apply through iMobile Pay for a higher approval rate
• Use the card for dining and entertainment to maximise 1.5X
• Register on Dreamfolks and link the card before your first flight
• Pay the joining fee even if you plan to waive it — you cannot chase the waiver without paying the fee first

Frequently asked questions

What is the annual fee on Sapphiro?

₹1,500 + GST, waived on ₹1.5 lakh spends in the previous 12 months.

How many lounge visits are included?

4 domestic + 2 international per year via Dreamfolks.

What is the minimum income for Sapphiro?

₹50,000/month for salaried. Self-employed need a minimum annual income of ₹6 lakh.