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Offer Zone Rates & Charges
Rates & Charges
FD, RD & iWish
(390 days - 2 yrs)
7.90% Apply Now
Senior Citizens
(390 days - 2 yrs)
8.40% Apply Now
Home Loan 
(Upto 5 crore)
9.55*% Apply Now
Personal Loan
(Upto 20 lacs)
11.49*% Apply Now

More Rates       Service Charges & Fees 

Tools and Calculators

Powerful Rewards Plan

PAYBACK is India's largest multi-brand loyalty programme. Your ICICI Bank Credit Card entitles you to earn PAYBACK Points on your transactions.


You not only earn PAYBACK Points when you use your ICICI Bank Credit Card, but also earn additional points from PAYBACK Partner Brands for the same purchase. PAYBACK Partner Brands include Big Bazaar, and HPCL among others, comprising of over 3,000 outlets and more than 50 online partners.


PAYBACK Points can be redeemed for over 600 unique rewards from the PAYBACK catalogue, in-store or online at a PAYBACK Partner Brand. With your ICICI Bank Credit Card and PAYBACK, shopping is truly rewarding!

Spend CategoryPAYBACK points on the
ICICI Bank Sapphiro MasterCard
Credit Card
(per ₹ 100 spent)
PAYBACK points on the
ICICI Bank Sapphiro Platinum
American Express® Credit Card
(per ₹ 100 spent)
Domestic spends 2 3
International spends 4 6


Earn 50% more rewards on your ICICI Bank Sapphiro American Express® Credit Card.


No rewards points will accrue on fuel transactions.

Rewards that Please

When it's time to redeem your PAYBACK points, we have ensured a worthy selection of rewards for you to choose from.


Merchandise  Gift vouchers   Air miles  Convert to cash
Tag Heuer Debenhams Jet Airways Each reward point is equivalent to ₹ 0.25
Tommy Hilfiger Nautica Miles and More  
Canon Jack and Jones    
Dunhill Taj Group and more    
and more


  • To redeem in cash, call PAYBACK contact centre on 080-40146444. The equivalent amount will be credited to your account within 7 working days.
  • To redeem for rewards, call the PAYBACK contact centre on 1860-258-5000 or place an online request for redemption on The reward of your choice will be delivered within 10 working days*.

*Rewards are subject to availability

American Express is a trademark of American Express. This card has been issued by ICICI Bank pursuant to a license from American Express.