Key Details
₹6.0L
Min Income (Annual)
Rewards
2 RP per ₹100 on dining, 1 RP per ₹100 on others
Best For
Dining and lounge access
Lounge Access
2 domestic lounge visits per quarter via DreamFolks
Fuel Surcharge Waiver
1% on ₹400-4000 transactions
Crediya's Verdict
ICICI Sapphiro sits in a sweet spot between mid-range and premium cards. The 2X dining rewards appeal to foodies, and quarterly lounge access is a nice perk. However, at ₹3500/year, you need to evaluate whether the perks outweigh the cost. Best for those who dine out frequently and travel domestically 2-3 times per quarter.
Pros
✓ 2X rewards on dining
✓ 2 domestic lounge visits per quarter
✓ Golf privileges (2/quarter)
✓ Comprehensive travel insurance up to ₹25L
✓ Fuel surcharge waiver
✓ Milestone benefits at ₹3.5L and ₹7L
Cons
✗ Base reward rate only 1%
✗ Lounge access capped at 2/quarter
✗ Annual fee waiver requires ₹5L spend
✗ Not the best for online shopping
Hidden Fees & Charges
⚠ Annual fee ₹3500 (waived on ₹5L spend)
⚠ Late payment: ₹500-1200
⚠ Forex markup: 3.5%
⚠ Cash advance: 2.5% (min ₹500)
⚠ Reward point expiry: 18 months