Dreamfolks Membership Programme

We know your travel schedule tends to be hectic. The ICICI Bank Sapphiro Credit Card allows you to unwind and relax with lounge access privileges at airports.

Enjoy the unmatched advantage of your complimentary Dreamfolks Pass, the world’s first all-in-one Digital Airport platform.

As a Dreamfolks member, you can relax at more than 450 comfortable and luxurious airport lounges across 115 countries around the world, regardless of the class or airline you fly with, or whether or not you are a member of an airline frequent flyer club.

  • Enhance your airport lounge experience with the all new feature of 2 complimentary airport lounge visits outside India and 2 spa sessions at selected airports in India every year, through complimentary Dreamfolks membership*
  • Discover a new way to experience the airport with exciting offers from shopping, restaurants to limos on Dreamfolks app.

The USD 99 annual membership fee for Dreamfolks Programme is complimentary. You will need to pay for the lounge visit charges for visits done over and above the complimentary accesses.

For more details on Dreamfolks Pass, please visit

For the list of airport lounges, please click here

For the spa list, please click here

For the applicable lounge charges, FAQs and programme Terms & Conditions, click here.

Airport Lounge Access

Important Information:

Upgrade your travel experience with complimentary access to airport and railway lounges in India with your ICICI Bank Sapphiro Visa Credit Card. Take a moment to relax in luxury and enjoy a gourmet meal, unwind in a comfortable seating and make use of free Wi-Fi, widescreen TVs and beverage services.

Simply present your ICICI Bank Sapphiro Visa Credit Card and your boarding pass to enjoy the privileges listed below:

  • Get one complimentary access to select airport lounges in India each quarter. How, you ask? By spending a minimum of ₹5,000 or above on your card in one calendar quarter, you get to avail of this facility in the next calendar quarter. Over and above the permitted number of complimentary access, each subsequent access will be charged as per rates laid out by each lounge service provider.
  • Get one complimentary access to select railway lounges in India each quarter.
  • Experience unrestricted chargeable access for yourself and your accompanying guests. The access to airport lounges and railway lounges will be applicable only for primary cardholders.

Click here for a complete list of lounges.

Click here for FAQ’s on railway lounges.

Complimentary rounds of golf every month

Gear up for a golfing experience like no other. Perfect your swing with exclusive access and privileges at the most iconic golfing greens in India and around the world.

As an ICICI Bank Sapphiro Credit Card member, you are entitled get a complimentary Golf Round / Lesson for every ₹50,000 retail spends in the previous calendar month*, maximum of up to 4 rounds every month

To book your game:

  • Simply visit and create a Golftripz account using the same e-mail ID as registered with ICICI Bank Credit Cards
  • The complimentary round of golf will be visible in your Golftripz account after the 10th day of the next month. This will be available for you to play anytime in the next 2 months
  • Explore available tee time slots at leisure and make your preferred booking
  • Track all your bookings online

To view the updated list of golf courses, please click here.

*For complete details on the Golf Programme and the associated Terms and Conditions, please click here.

You may also call iAssist, our 24x7 concierge service on 1800-26-70731 (toll free for MTNL/ BSNL lines) or 022-67872016 (standard call charges applicable), for assistance with online booking.

Save more on movie and event tickets

  • Buy one ticket and get up to Rs. 500 off on the second ticket, twice every month through BookMyShow.
  • To book your movie ticket and for detailed Terms & Conditions, please click here.

Culinary Treats

  • The finest dining experiences now come with equally impressive savings Exclusive dining offers through ICICI Bank Culinary Treats Programme. For details, visit T&C apply.
  • For more detail please visit
  • You can also download the ICICI Bank Culinary Treats mobile app from Apple iStore or Google Play.

Concierge Services

Our team of service professionals at i-Assist, our 24x7 concierge service takes care of your every need right from finding the right gift and making restaurant reservations to travel and hotel reservations, and even delivering movie tickets at your doorstep.

The services include:

Restaurant referral and reservation

Right from entertaining your client to celebrating your child's birthday, i-Assist can suggest the perfect restaurant for every occasion.

Flower and gift assistance

i-Assist will send gifts of your choice to your loved ones, even selecting the choicest flowers and presents to make them feel extra special.

Hotel referral and reservation

Experience the luxury of attentive service even before your holiday begins. Simply call i-Assist to take care of all your arrangements at the finest hotels across India.

Flight referral and reservation

Booking tickets the conventional way is a thing of the past. Call i-Assist for speedy flight reservations.

Car rental and limousine service

i-Assist can make sure you travel in style with a chauffeur-driven car, available at your disposal.

Booking and delivery of movie tickets

Don't want to stand in that queue? The i-Assist team can make sure movie tickets are bought and delivered at your doorstep. This service is currently available in New Delhi, Mumbai, Bangalore and Chennai.

Medical concierge privileges

In case of any unforeseen situation should you need to be moved to a place where appropriate medical care is available, the i-Assist team can arrange for air and/or surface transportation and communication to move you to the required hospital. i-Assist can also put you in touch with physicians, hospitals, clinics, dentists and dental clinics on request. You can also ask to set up appointments with local doctors.

Emergency auto assistance across India

A host of emergency auto assistance services are available for you in New Delhi, Mumbai, Kolkata, Hyderabad, Bangalore and Chennai including towing, repair and alternative travel assistance.

To contact the i-Assist team please call our numbers 1800 26 70731 (toll free for MTNL/BSNL) or 022 6787 2016 (standard call charges applicable).

Comprehensive insurance cover

You are entitled to an air accident insurance of ₹ 3 crore. The following table gives you an overall look at the insurance benefits:

  Type of insurance Cover
1 Personal Accident Insurance (Air) ₹ 3 crore
2 Credit shield ₹ 50,000
3 Baggage insurance* Up to ₹ 25,000
4 Loss of travel documents* $ 500
5 Loss of checked baggage* $ 1200
6 Delay in receipt of checked baggage* $ 300 in excess of 12 hours
7 Missing flight due to trans-shipment* $ 300
8 Plane hijacking* $ 250 per hour up to max of 12 hours
9 Delay in flight* $ 250 in excess of 12 hours
10 Lost Card Liability ₹ 50,000 - 2 days (pre-reporting) and 7 days (post-reporting)

Disclaimer :
All insurance benefits will be applicable only in case the ICICI Bank Sapphiro Credit Card has been used at least once in the last 60 days prior to the event. All insurance benefits are available on the Primary Card only. There is no insurance cover on Supplementary Cards. Please ensure that the minimum amount due on your Credit Card is paid at all times to avail of insurance benefits.

*Applicable for international travel only and not for domestic travel and only when the tickets are purchased on the ICICI Bank Sapphiro Credit Cards. Travel insurance covers international travel only.

Insurance is the subject matter of solicitation. The insurer for the cover as aforesaid is ICICI Lombard General Insurance Co. Ltd. The policy is governed by the terms and conditions laid down by ICICI Lombard General Insurance Co. Ltd. ICICI Bank is not responsible for processing of claims and all claim related queries need to be taken up directly on ICICI Lombard General toll-free number: 1800-2666. For more details on the terms and conditions of the insurance cover on ICICI Bank Credit Cards, please click here.

Counterfeit Card Liability

Protect yourself against fraudulent transactions or misuse.

Account Takeover Cover

Remain protected in the event of your personal details being accessed and misused by a third person.

Chip and Pin Card

Our Credit Cards come with an embedded microchip which provides additional security against counterfeiting and duplication of cards.

  • The new chip cards have an extra layer of security in the form of a Personal Identification Number (PIN)
  • You will be required to enter your PIN on the terminal for transactions at merchant outlets
  • To know more about Chip and PIN security, please click here
  • This PIN is not required for online transactions.

Fuel Surcharge Waiver

1% fuel surcharge waived off on fuel transactions at any fuel outlet.

Avail amazing welcome vouchers worth ₹ 9,000+ within 45 days of payment of joining fees.
  • Tata CliQ Voucher worth Rs. 3000
  • EaseMyTrip Vouchers worth ₹ 4000 (Four vouchers worth ₹ 1000 each)
  • Uber Vouchers worth ₹ 1000 (Four vouchers worth ₹ 250 each)
  • Zomato Pro 12 Month Membership voucher worth Rs. 800
  • Croma Voucher worth ₹ 1000

To know more about redemption of vouchers and other terms and conditions,click here.

Fees / ChargesAmount
Joining Fee Rs 6,500
Annual Fee Rs 3,500 (waived off on spending more than Rs 6 lakh in the previous year)
Finance Charges 3.40% per month / 40.80% p.a.
Late Payment Fee
  • Nil for amount due less than Rs. 100
  • Rs 100 for amount between Rs 100 and Rs 500
  • Rs 500 for total amount due greater than Rs 501 and up to Rs 10,000
  • Rs 750 for total amount due greater than Rs 10,000
  • You pay a joining fee of ₹ 6,500 + GST and get welcome vouchers of shopping and travel worth ₹ 9,000+ within 45 days of payment of the joining fee.
  • You pay an annual fee of ₹ 3,500 + GST from 2nd year onwards - waived off if you spend more than ₹ 6,00,000 in the previous year.

Other Charges

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Popular FAQs

What is the credit period for credit card?
Credit free period of 48 days depends on your statement date.
How often can I change my Credit Card limits?
There is no cap on the number of times the limit can be changed
What should I do if my Debit Card is not working?
If you are unable to transact on your credit card, you may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. To know the local Customer Care numbers, please click here.

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