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ICICI Bank Sapphiro Debit Card – Benefits, Fees & Eligibility

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Last updated: 28 July 2026
The ICICI Bank Sapphiro Debit Card is a premium offering from ICICI Bank, tailored for individuals who frequently travel and seek superior entertainment benefits. It delivers significant value through complimentary airport lounge access, attractive movie discounts, and a robust reward points program, especially on international transactions. With high daily transaction and withdrawal limits, this card caters to substantial spending needs. It's an excellent choice for those prioritizing lifestyle perks, despite its annual fee.
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Is the ICICI Bank 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 Sapphiro Debit Card is best suited for users who prioritize Travel, Movies, International Spends. With an issuance fee of Free (1st year) and an annual maintenance charge of ₹2,499 + GST, this card offers free entry for new applicants. It offers Reward Points as its primary reward mechanism, with a rewards rate of 8 points per ₹200 on International, 4 points per ₹200 on Domestic retail.

Verified
Last updated: 28 July 2026

Key Card Details

Issuance Fee

Free (1st year)

AMC Fee

₹2,499 + GST

Reward Type

Reward Points

Rewards Rate

8 points per ₹200 on International, 4 points per ₹200 on Domestic retail

Daily ATM Withdrawal Limit

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

Daily POS/Online Spend Limit

₹7,50,000 (Domestic), ₹3,50,000 (International)

Notable Perks

Welcome Offer

Complimentary Tata CLiQ gift voucher

Domestic Lounge Access

4 complimentary visits per quarter (with ₹10,000 spend in preceding quarter)

Insurance Coverage

Worldwide card loss cover, 24-hour loss reporting

Movie Benefits

25% off up to ₹250 on BookMyShow (2 tickets), 25% off up to ₹100 at INOX (2 tickets)

Fuel Surcharge Waiver

Zero surcharge at select HPCL/IOCL/BPCL outlets with ICICI Bank swipe machines

Things to Consider

Incurs a substantial annual fee of ₹2,499 + GST.

A joining fee will be applicable from July 1, 2026, increasing initial cost.

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

Last updated: 28 July 2026

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Complimentary Tata CLiQ gift voucher

Rewards Rate

8 points per ₹200 on International, 4 points per ₹200 on Domestic retail

Reward Type

Reward Points

Domestic Lounge Access

4 complimentary visits per quarter (with ₹10,000 spend in preceding quarter)

Insurance Coverage

Worldwide card loss cover, 24-hour loss reporting

Movie Benefits

25% off up to ₹250 on BookMyShow (2 tickets), 25% off up to ₹100 at INOX (2 tickets)

Daily ATM Withdrawal Limit

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

Daily POS/Online Spend Limit

₹7,50,000 (Domestic), ₹3,50,000 (International)

Fees & Charges

Know the costs before applying to avoid surprises later

Issuance Fee

Free (1st year)

AMC Fee

₹2,499 + GST

Fuel Surcharge Waiver

Zero surcharge at select HPCL/IOCL/BPCL outlets with ICICI Bank swipe machines

Pros & Cons

Weigh the advantages and limitations

Pros

Key benefits and features of this card.

Enjoy complimentary airport lounge access, enhancing travel comfort.

Significant movie discounts on popular platforms like BookMyShow and INOX.

Benefit from high daily ATM withdrawal and POS/online transaction limits.

Earn higher reward points, especially valuable for international transactions.

Get a fuel surcharge waiver at selected government fuel outlets.

Cons

Key drawbacks and limitations of this card.

Incurs a substantial annual fee of ₹2,499 + GST.

A joining fee will be applicable from July 1, 2026, increasing initial cost.

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

Lacks specific dining discounts or cashback offers.

Information on free ATM transactions and charges is not specified.

Product Details

Comprehensive information about this credit card

Features contactless 'Tap and Pay' for quick and secure transactions.

Offers high daily ATM withdrawal and POS/online transaction limits.

Provides enhanced reward points on both domestic and international spends.

Includes comprehensive security with 24-hour loss reporting and worldwide card loss cover.

A premium debit card designed for travel and entertainment enthusiasts.

Enjoy fuel surcharge waiver at selected government fuel outlets.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Introduction

The ICICI Bank Sapphiro Debit Card is a premium offering from ICICI Bank, designed for cardholders seeking superior value, especially in travel and entertainment. It provides benefits such as complimentary airport lounge access, movie discounts, and a robust reward points program, coupled with high transaction and withdrawal limits.

Welcome Benefits

  • Enjoy a complimentary Tata CLiQ gift voucher upon payment of the Annual Fee.

Transaction Limits & Usage

  • Daily ATM Withdrawal Limit (Domestic): ₹1,50,000
  • Daily ATM Withdrawal Limit (International): ₹2,00,000
  • Daily Transactional Limit (Domestic): ₹7,50,000 (for POS/online purchases)
  • Daily Transactional Limit (International): ₹3,50,000 (for POS/online purchases)
  • Tap and Pay: Facilitates 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
  • Fuel Surcharge Waiver: Zero fuel surcharge on transactions made at selected Government fuel outlets (HPCL/IOCL/BPCL) using ICICI Bank swipe machines.

Rewards & Offers

  • Reward Points on Spends:
    • Earn 8 reward points on every ₹200 spent on International transactions.
    • Earn 4 reward points on every ₹200 spent on Domestic retail purchases (excluding fuel).
  • Reward Redemption Options: Reward points can be redeemed for health and beauty products, travel and luggage, shopping vouchers, mobile phones, home appliances, and electronics.
  • Movie Discounts:
    • 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.
  • Airport Lounge Access:
    • Receive 4 complimentary airport lounge accesses every quarter.
    • Eligibility requires eligible spends of ₹10,000 in the preceding calendar quarter.
    • This benefit is exclusively applicable to the primary cardholder.
  • Security Measures:
    • 24-hour loss reporting facility.
    • Worldwide cover for card loss.
    • Free-of-cost loss reporting helpline.

Debit Card Review

The ICICI Bank Sapphiro Debit Card is ideal for individuals who frequently travel and seek premium entertainment benefits. Its high transaction limits cater to significant spending needs, while the generous reward points program, especially on international spends, adds substantial value. The card's benefits, such as complimentary lounge access and movie discounts, make it a strong contender for those prioritizing lifestyle perks, despite the associated annual fee.

Important Product Details

  • Key Benefits:
    • Complimentary airport lounge access.
    • Attractive movie discounts on BookMyShow and INOX.
    • High daily ATM withdrawal and transaction limits.
    • Higher reward points on both domestic and international spends.
    • Fuel surcharge waiver at select government fuel outlets.
    • Tap and Pay contactless payment feature.
    • Welcome gift voucher from Tata CLiQ.
  • Security Features: Includes 24-hour loss reporting, worldwide cover, and a dedicated loss reporting helpline.

Other Details

  • Terms and Conditions (T&C) for the card are available for review.

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.