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ICICI Bank Expression Sapphiro Debit Card – Benefits, Fees & Eligibility

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Last updated: 28 July 2026
The ICICI Bank Expressions Sapphiro Debit Card is a premium offering designed for existing ICICI Bank customers who value personalization and exclusive lifestyle benefits. It provides extensive customization options, generous airport lounge access, and attractive movie discounts. Cardholders also benefit from higher reward points on both domestic and international spends, coupled with robust transaction limits and fraud protection, making it ideal for those seeking a feature-rich debit card experience.
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Is the ICICI Bank Expression Sapphiro Debit Card Right for You?

A quick look at who this card is best for, key costs, and things to consider.

The ICICI Bank Expression Sapphiro Debit Card is best suited for users who prioritize Travel, Premium, Movies. With an issuance fee of ₹2,499 + GST and an annual maintenance charge of ₹2,499 + GST, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Reward Points as its primary reward mechanism, with a rewards rate of 8 reward points on every ₹200 spent internationally. 4 reward points on every ₹200 spent domestically..

Verified
Last updated: 28 July 2026

Key Card Details

Issuance Fee

₹2,499 + GST

AMC Fee

₹2,499 + GST

Reward Type

Reward Points

Rewards Rate

8 reward points on every ₹200 spent internationally. 4 reward points on every ₹200 spent domestically.

Daily ATM Withdrawal Limit

₹1,50,000 (Domestic), ₹2,00,000 (International)

Daily POS/Online Spend Limit

₹5,00,000 (Domestic), ₹2,00,000 (International)

Notable Perks

Welcome Offer

₹1,500 Tata CLiQ voucher on enrollment/upgrade. ₹500 Tata CLiQ voucher on annual fee payment.

Domestic Lounge Access

4 complimentary airport lounge accesses every quarter. Requires ₹10,000 spend in preceding quarter.

Insurance Coverage

Fraud Protection.

Movie Benefits

25% off up to ₹250 on two tickets via BookMyShow. 25% off up to ₹100 on two tickets at INOX.

Fuel Surcharge Waiver

Zero fuel surcharge at select Govt. fuel outlets (HPCL/IOCL/BPCL) with ICICI Bank swipe machines.

Account Requirement

Requires an existing ICICI Bank account.

Things to Consider

A relatively high joining and annual fee of ₹2,499 + GST can be a deterrent.

Lounge access requires a minimum spend of ₹10,000 in the preceding quarter.

No specific dining benefits or widespread merchant offers are explicitly detailed.

Last updated: 28 July 2026

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

₹1,500 Tata CLiQ voucher on enrollment/upgrade. ₹500 Tata CLiQ voucher on annual fee payment.

Rewards Rate

8 reward points on every ₹200 spent internationally. 4 reward points on every ₹200 spent domestically.

Reward Type

Reward Points

Domestic Lounge Access

4 complimentary airport lounge accesses every quarter. Requires ₹10,000 spend in preceding quarter.

Insurance Coverage

Fraud Protection.

Movie Benefits

25% off up to ₹250 on two tickets via BookMyShow. 25% off up to ₹100 on two tickets at INOX.

Travel Benefits

Emergency assistance services in India and abroad.

Daily ATM Withdrawal Limit

₹1,50,000 (Domestic), ₹2,00,000 (International)

Daily POS/Online Spend Limit

₹5,00,000 (Domestic), ₹2,00,000 (International)

Account Requirement

Requires an existing ICICI Bank account.

Fees & Charges

Know the costs before applying to avoid surprises later

Issuance Fee

₹2,499 + GST

AMC Fee

₹2,499 + GST

Fuel Surcharge Waiver

Zero fuel surcharge at select Govt. fuel outlets (HPCL/IOCL/BPCL) with ICICI Bank swipe machines.

Card Replacement Fee

₹200 + GST.

Pros & Cons

Weigh the advantages and limitations

Pros

Key benefits and features of this card.

Extensive personalization options with 175+ pre-installed templates or custom images.

Generous airport lounge access (4 per quarter) with a reasonable spend requirement.

Higher reward points on both domestic and international spends, offering good value.

Significant discounts on movie tickets (BookMyShow and INOX) for entertainment.

Zero fuel surcharge at specific government fuel outlets adds to savings.

Cons

Key drawbacks and limitations of this card.

A relatively high joining and annual fee of ₹2,499 + GST can be a deterrent.

Lounge access requires a minimum spend of ₹10,000 in the preceding quarter.

No specific dining benefits or widespread merchant offers are explicitly detailed.

Product Details

Comprehensive information about this credit card

Personalize your card with images from over 175 templates or custom designs.

Supports Tap and Pay for quick, PIN-free contactless transactions.

Offers high daily transaction limits for ATM withdrawals and POS/online purchases.

Includes fraud protection and emergency assistance services.

Provides international usage for both ATM withdrawals and transactions.

Issued by ICICI Bank, available for existing customers to upgrade or apply.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Introduction

The Expressions Sapphiro Debit Card, issued by ICICI Bank, offers a blend of personalization and premium benefits. It is designed for customers seeking exclusive rewards, travel perks, and enhanced security, featuring options for custom card images, airport lounge access, movie offers, and higher reward points on spends.

Welcome Benefits

  • Enjoy a complimentary Tata CLiQ gift voucher worth ₹1,500 when you upgrade or enroll for the Expressions Sapphiro Debit Card.
  • Receive a Tata CLiQ gift voucher worth ₹500 on payment of the Annual Fee.

Transaction Limits & Usage

  • Daily ATM Withdrawal Limit:
    • Domestic: ₹1,50,000
    • International: ₹2,00,000
  • Daily POS/Online Transaction Limit:
    • Domestic: ₹5,00,000
    • International: ₹2,00,000
  • International usage is available for both ATM withdrawals and transactions.
  • Tap and Pay functionality is available for PIN-free debit card transactions at supported contactless terminals using an Android Phone.

Fees and Charges

  • Joining Fee: ₹2,499 + GST (applicable on new cards issued from July 1, 2026).
  • Annual Fee: ₹2,499 + GST.
  • Reissuance Fee: ₹200 + GST.
  • Fuel Surcharge: Zero fuel surcharge on transactions made on ICICI Bank swipe machines at selected Government fuel outlets (HPCL/IOCL/BPCL).

Rewards & Offers

  • Reward Points:
    • Earn 8 reward points on every ₹200 spent internationally.
    • Earn 4 reward points on every ₹200 spent domestically.
  • Reward Point Redemption: Points can be redeemed for categories such as Health & Beauty, Travel & Luggage, Shopping Vouchers, Home Appliances, Electronics, and Fashion & Lifestyle.
  • Airport Lounge Access:
    • Receive 4 complimentary airport lounge accesses every quarter.
    • Eligibility requires eligible spends of ₹10,000 in the preceding spends quarter.
    • This benefit is exclusively applicable to the primary cardholder.
  • Movie Offers:
    • Get 25% off up to ₹250 on the purchase of two tickets through BookMyShow.
    • Get 25% off up to ₹100 on the purchase of two tickets at INOX Movie multiplexes.
  • Fraud Protection: The card offers fraud protection services.
  • Emergency Assistance: Provides emergency assistance services in India and abroad.

Account & Eligibility Criteria

  • All existing ICICI Bank customers are eligible to upgrade or apply for the Expressions Sapphiro Debit Card through the bank's website or by visiting a branch.

Debit Card Review

The Expressions Sapphiro Debit Card is ideal for existing ICICI Bank customers who prioritize personalization, premium lifestyle benefits, and a robust rewards program.

  • Pros:
    • Extensive personalization options with 175+ pre-installed templates or custom images.
    • Convenient Tap and Pay functionality for quick transactions.
    • Significant discounts on movie tickets (BookMyShow and INOX).
    • Generous airport lounge access (4 per quarter) with a reasonable spend requirement.
    • Zero fuel surcharge at specific government fuel outlets.
    • Higher reward points on both domestic and international spends.
    • Includes fraud protection and emergency assistance.
  • Cons:
    • A relatively high joining and annual fee of ₹2,499 + GST.
    • Lounge access requires a minimum spend in the preceding quarter.
  • Value: Offers substantial value for users who can leverage its travel, entertainment, and reward benefits, especially given the high transaction limits.

Important Product Details

  • Key Highlights:
    • Personalize your card with images from over 175 pre-installed templates or custom designs.
    • Enjoy Tap and Pay for quick, PIN-free transactions.
    • Benefit from 25% discounts on movie tickets at BookMyShow and INOX.
    • Access 4 complimentary airport lounges quarterly by spending ₹10,000 in the prior quarter.
    • Experience zero fuel surcharge at selected government fuel outlets when using ICICI Bank swipe machines.
    • Earn up to 8 reward points per ₹200 spent.
    • Includes fraud protection and emergency assistance.

Other Details

  • The card allows for changing the image on the card, with a collection of 200 photos available.
  • Applicable Terms & Conditions are available on the bank's website.
  • A customer review noted the card was "straightforward to activate and use, both for online and in-person transactions."

Contact ICICI Bank Directly

Toll-free numbers, email, WhatsApp support, and grievance redressal contacts.

Full Contact Details

Frequently Asked Questions

Clear, concise answers to help you understand this card better.