Sapphiro

ICICI Sapphiro Credit Card (Mastercard variant — issued as a PAIR with the other network). Joining ₹6,500 + GST; Annual ₹3,500. Fee waiver: ₹6 Lakh annual spend in previous year. Supplementary card fee ₹199. Finance charge 3.40%/month. Cash advance 2.5% (min ₹300). **Welcome:** Vouchers worth ₹9,000+ within 45 days of fee payment. **Rewards:** 2 PAYBACK pts per ₹100 base (excl fuel); 4 pts per ₹100 international; 1 pt per ₹100 utilities & insurance. Annual reward cap: up to 20,000 ICICI reward points per anniversary year. **Lounges:** 4 domestic visits/quarter (walk-in, no activation) + 2 international visits/year via DreamFolks (650+ lounges, 100+ countries). **Golf:** 1 complimentary round/lesson per ₹50,000 monthly spend (max 4 rounds/month). **BookMyShow:** Buy 1 get 1 (up to ₹500 off on 2nd ticket), 2× per month. **Dining:** 15%+ off at 2,500+ restaurants via Culinary Treats Programme. **Fuel:** 1% surcharge waiver on txns up to ₹4,000. **Insurance:** Air accident ₹3 Crore + baggage / purchase protection / missed connection / card liability / flight delay. 24/7 i-Assist concierge. Eligibility: 23+ (FAQ mentions 21+), ₹9L+ salaried / ₹10L+ self-employed annual income. NOTE: Mastercard + Amex pair share most benefits — DB treats them as separate entries for tracking.