Show Hide
Internet Banking Login Open NRI Account
Apply NRI Account

Open an NRI Account online today. Provide your contact details and get a call back at time convenient to you.

Simply Give Missed Call on +91 7666660000

Click here to get a call back in 15 mins


Disclaimer: Please enter only valid Mobile / Land line number. Do not enter Skype / Internet numbers.

Rates & Charges
Rates & Charges
Savings Account
NRE Savings* 3.00% Apply Now
Fixed Deposit & RD

Know more about interest rates

(5years 1 day upto 10 years)
5.50% Know More
Apply Now
Swift code
Swift code

More Rates       Service Charges 

*Interest rates at 4% per annum for end of day balances equal to or above INR 50 lacs and 3.50% per annum for end of day balances below INR 50 lacs
Offer Zone Get In Touch
ICICI Bank NRI Sapphiro Credit Card

ICICI Bank NRI Sapphiro Credit Card


The Reserve Bank of India (RBI) has, vide order dated July 14, 2021, imposed restrictions on MasterCard Asia/Pacific Pte. Ltd. from on-boarding new domestic customers onto their card networks, with effect from July 22, 2021. Accordingly, ICICI Bank Limited shall be unable to accept further applications for any ICICI Bank Credit Cards on MasterCard network. However, please note that this order does not impact existing customers.


What makes this card work

Key benefits

  • 4 complimentary domestic airport lounge visits per quarter, courtesy of Mastercard.
  • 2 complimentary domestic airport spa visits per calendar year, under complimentary membership to Dreamfolks Membership Programme.
  • Enjoy up to 4 complimentary rounds of golf every month at the golf course of your choice based on eligible spends on your card.
  • Earn 2 PAYBACK Points on every 100 spent on all domestic purchases, except on fuel
  • Buy one movie/event ticket and get up to 500 off on the second ticket, twice every month, through
  • Minimum 15% savings on dining bills at 2,500+ restaurants across India through Culinary Treats Programme.

Usage Terms

  • ICICI Bank NRI Sapphiro Credit Card can be used for doing domestic transactions only.
  • The payment of Credit Card bills should be done by auto-debit to your NRE/NRO Account.



  • Earn 2 PAYBACK Points on every 100 on all domestic purchases. No points will be accrued on fuel.
  • Get 1 PAYBACK Points on every 100 spent on utilities and insurance categories.


To redeem your PAYBACK Points in cash:

  • Each PAYBACK Point is equivalent to 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.

To redeem your PAYBACK Points for gifts:

  • Please call PAYBACK on 1860-258-5000*, or make an online request for redemption at . You will receive the gift of your choice within 10 working days**.

 *Standard call charges apply.
**Rewards are subject to availability.

Dreamfolks Membership Programme


We know your travel schedule tends to be hectic. The ICICI Bank NRI 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.

  • Enhance your airport lounge experience with the all new feature of 2 complimentary spa sessions at selected airports in India every year, through complimentary Dreamfolks membership*

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

For more details on Dreamfolks programme, please visit`/

For the spa list, please click here .

*For the applicable charges, FAQs and programme terms & conditions, click here .


Airport Lounge Access

Use your ICICI Bank NRI Sapphiro Mastercard Credit Card to enjoy exclusive access to premium Mastercard airport lounges in India.

  • Enjoy 4 complimentary access to select lounges at airports in India every quarter with your Mastercard Credit Card.
  • This list of lounges may be changed by Mastercard at its sole discretion and without any notice to ICICI Bank or its Card Members. This offer is provided by a third party and governed by such third party terms and conditions.
  • For the list of applicable lounges, please call on 1800 102 6263 or 022-42006396


Click here for a complete list of lounges.


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.
As an ICICI Bank NRI Sapphiro Credit Card member, you are entitled to get a complimentary Golf Round / Lesson for every 50,000 retail spends in the previous calendar month*, maximum of 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 500 off on the second ticket, twice every month through BookMyShow.
  • To book your movie ticket and for detailed terms & conditions, please click here .


  • Save a minimum of 15% on your dining bill at participating restaurants through the ICICI Bank Culinary Treats Programme.
  • For more details, please visit
  • You can also download the ICICI Bank Culinary Treats mobile app from Apple iStore or Google Play.


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.

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

Simply call i-Assist to take care of all your arrangements at the finest hotels across India.


Flight referral and reservation

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

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



Personal Accident Insurance (Air)

3 crore


Credit shield



Baggage insurance*

Up to 25,000


Loss of travel documents*

USD 500


Loss of checked baggage*

USD 1,200


Delay in receipt of checked baggage*

USD 300 in excess of 12 hours


Missing flight due to trans-shipment*

USD 300


Plane hijacking*

USD 250 per hour up to 12 hours


Delay in flight*

USD 250 in excess of 12 hours


Lost Card Liability

50,000 - 2 days (pre-reporting) and 7 days (post-reporting)



All insurance benefits will be applicable only in case the ICICI Bank NRI 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 NRI Sapphiro Credit Cards. Travel insurance covers international travel only.

Insurance is the subject matter of solicitation. The insurer for the above cover 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. Please register your card for 3D Secure (Mastercard SecureCode/American Express SafeKey) on our website for online transactions

Savings on Fuel Purchases

1% fuel surcharge will not be applicable on fuel at all petrol pumps.

Fees and Usage Terms


  • Joining Fee of Rs 6,500 + Goods and Services Tax (GST).
  • Annual Fee of Rs 3,500 + GST from 2nd year onwards - waived off if you spend more than Rs 6,00,000 in the previous year.

Other charges