Verified — 16/16 categories
ICICI · Visa
Sapphiro
Best forShopping
Earns2 RP/₹100 on shopping
1st Year / Joining Fee
₹3,500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹6,00,000
annual spend
Network
Visa
ICICI
Sapphiro
VisaWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on shopping, where it earns 2 RP/₹100
- Annual fee is waived at ₹6,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Shopping2 RP/₹100
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | — | — | Standard card reward rate appliesDetails
|
| Insurance | — | — | Insurance reward rate 1 RP/₹100, capped at 80,000 RP per statement cycleDetails
|
| Utilities | — | — | Utility reward rate 1 RP/₹100, capped at 80,000 RP per statement cycleDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | — | — | Grocery reward capped at 40,000 RP per statement cycleDetails
|
| Dining | — | — | Standard verified reward rate for Sapphiro on DiningDetails
|
| Food Delivery | — | — | Standard verified reward rate for Sapphiro on Food DeliveryDetails
|
| Shopping | 2 RP/₹100 | — | Standard card retail shopping reward rate appliesDetails
|
| Travel | — | — | Standard card travel reward rate appliesDetails
|
| Government | — | — | Standard verified reward rate for Sapphiro on GovernmentDetails
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Standard verified reward rate for Sapphiro on RailwaysDetails
|
| FASTag | — | — | Standard verified reward rate for Sapphiro on FASTagDetails
|
| Jewellery | — | — | Standard verified reward rate for Sapphiro on JewelleryDetails
|
| Telecom | — | — | Standard verified reward rate for Sapphiro on TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹3,500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹6,00,000
annual spend
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Key benefits
Rewards
2 RP/₹100 on shopping
Fee waiver
Annual fee waived on ₹6,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- No reward on: Rent, Fuel, Wallet
Who should consider this card
✓ Good fit if
- Your spending is concentrated in shopping
- You can reach the ₹6,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, wallet, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 3 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Rent — No reward.
- Fuel — No reward.
- Wallet — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Bank underwriting; eligibility varies
Specifications
- Payment network: Visa
- Airport lounge: International/domestic lounge access
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-23
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-23
Official product page: https://campaigns.icicibank.com/credit-card/sapphiro-credit-card.html
Documents used
SRC-ICICI-MITC · SRC-ICICI-MITC