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Make Every Day Rewarding

  1. 5,000 Skywards Miles and Emirates Skywards Silver Tier membership* as joining and annual benefits

  2. Earn up to 2 Skywards Miles per ₹100 spent

  3. 2 complimentary domestic lounge access per quarter and 2 complimentary international lounge access per year*

  4. Milestone Reward: Retain Emirates Skywards Silver Tier membership

*T&C Apply, click here view.

Joining Benefits

  • Complimentary Emirates Skywards Silver Tier membership*.
  • 5,000 Skywards Miles*

For more details about Emirates Skywards Silver Tier membership benefits click here

Annual Benefits

  • 5,000 Skywards Miles*
  • 2 Skywards Miles per ₹100 on all categories*
  • 2 complimentary domestic lounge access per quarter and 2 complimentary international lounge per year**
  • Milestone Reward: Retain Emirates Skywards Silver Tier membership

*T&C Apply

Experience Entertainment

  • Buy one ticket and get up to Rs. 500 off on the second ticket up to 2 times every month
  • Successful booking is on first come, first-serve basis and is subject to daily stock availability. This first-come, first-serve’ pool of discounted movie tickets available through our partner BookMyShow has been enhanced
  • For applicable T&C, click here for BookMyShow T&C

Fuel Surcharge

  • 1% fuel surcharge waiver applicable at all HPCL petrol pumps, on transactions starting from Rs. 400 to Rs. 4,000 and monthly maximum capping of Rs. 250.

International Airport Lounge Access

 We understand the importance of seamless travel amidst the hustle and bustle of busy airports. Enjoy 2 complimentary access to international airport lounges with Dreamfolks membership card provided with your ICICI Bank Emirates Sapphiro Credit Card.

As a Dreamfolks member, you can relax at more than 650+ comfortable and luxurious airport lounges across 100+ countries around the world, regardless of the airline or class you fly with, or whether or you are a member of an airline frequent flyer club or not. This feature is available for Primary card members only.

Please present your Dreamfolks membership card to the lounge staff at the entrance of the participating International Lounges, to avail the complimentary benefits.

Click here for a complete list of lounges.

Chip and Pin Security

  • Enjoy peace of mind with enhanced security features.
  • 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. 


  • Joining fee – ₹5,000
  • Annual fee* – ₹5,000 (From Second Year onwards)
Coral+ Debit Cards

Coral+ Debit Cards

Sapphiro Debit Cards

Sapphiro Debit Cards

Rubyx Debit Card

Rubyx Debit Card

Coral Paywave Contactless Debit Card

Coral Paywave Contactless Debit Card

EMI on Debit Card is one of the payment options available across local merchants and online websites. With your ICICI Bank Debit/ATM Cards you can now make payments in easy monthly instalments.

Eligible customers will see this option on the payment page during checkout for online transactions or SMS DCEMI_xxxx(last four digits of yourdebit card) to 5676766.

You have to visit Flipkart/Amazon website or their respective mobile app or mobile site. Select the product and add it to cart. Choose “EMI” option for payment, select “ICICI Bank-Debit Card” under “Easy Instalments”, enter the Debit Card details and complete the transaction.