Powerful Rewards Plan

Payback rewards

Your ICICI Bank Credit Card entitles you to earn PAYBACK Points on your transactions. PAYBACK, India’s largest Reward Programme, has powered ICICI Bank Rewards to bring you a suite of exciting rewards from your everyday spending.


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.


You can redeem your PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more. With your ICICI Bank Credit Card and PAYBACK, shopping is truly rewarding!

Earn bonus rewards of up to 6 PAYBACK Points on every Rs. 100 spent

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
(except fuel)
2 3
International spends 4 6


  • Under the new Milestone Rewards program, get 4,000 PAYBACK Points on spending Rs. 4,00,000 on your card and 2,000 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 20,000 PAYBACK Points per year.
  • Get 1 PAYBACK Points on every Rs. 100 spent on fuel, utilities and insurance categories.
  • Earn 50% more rewards on your ICICI Bank Sapphiro American Express® Credit Card.

To redeem your PAYBACK Points:

To redeem your PAYBACK Points in cashTo redeem your PAYBACK Points for gifts
Each PAYBACK Points is equivalent to Rs. 0.25. Please call on 080-40146444* to redeem. The equivalent cash amount will be credited to your credit card account within 7 working days. Please call PAYBACK on 1860-258-5000*, or place an online request for redemption at www.payback.in. You will receive the gift of your choice within 10 working days**.


*Standard call charges apply


**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.