Fees and Charges

Joining and Annual Fees

  • Joining Fee - ₹ 5,000
  • Annual Fee (First year) - NIL
  • Annual Fee (Second year onwards) – ₹ 5,000
  • Supplementary Card Fee - ₹ 250
  • Overdue interest on extended credit and cash advances - 3.50% a month (42% annualised)


InterMiles ICICI Bank Sapphiro Credit CardsStandard Offer
Joining Fee* INR 5,000
Welcome Bonus InterMiles 10,000 InterMiles
Annual Fee* (2nd year onwards) INR 5,000
Renewal Bonus InterMiles 5,000 InterMiles
*Joining Fee and Annual Fee are waived off for InterMiles Platinum Tier members.

Your card can accumulate a maximum of 60,000 InterMiles against your spends in each anniversary year. When this cap is reached, an InterMiles Uncapping Fee of INR 7,500 will be levied to your Credit Card account.

To continue earning InterMiles, please make this fee payment. Please call our Customer Care to reverse the fee if you choose not to pay it; further InterMiles will not accrue in that anniversary cycle.

The cap will be reset with the start of the next anniversary year and InterMiles will flow to your InterMiles account automatically from the next statement cycle. An anniversary year is one year from the date of your card setup.

Please refer to the Most Important Terms & Conditions ( MITC) for other charges.