Emirates Skywards ICICI Bank Sapphiro Credit Card
Designed for international flyers frequenting routes to Dubai, Europe, and North America, this co-branded aviation card includes complimentary Emirates Skywards Silver Tier status. It unlocks business-class check-in counters, extra baggage allowances, a reduced 1.99% forex markup, and direct Skywards Miles accrual.
Why We Recommend The Emirates Skywards ICICI Bank Sapphiro Credit Card
An elite aviation card whose Silver airline tier upgrade and low 1.99% forex markup make long-haul international travel seamless.
Frequent long-haul international flyers traveling to Dubai, Europe, and the Americas on Emirates.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Emirates Skywards ICICI Bank Sapphiro Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: Up to ₹1.25 (on international Emirates flight seat awards and class upgrades) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Emirates Skywards ICICI Bank Sapphiro Credit Card
Zero hidden costs. Complete fee schedule verified with ICICI Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Emirates Skywards ICICI Bank Sapphiro Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
8 complimentary domestic airport lounge visits per calendar year (2 per quarter) + 4 railway lounge visits
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
4 complimentary international airport lounge visits per calendar year via DreamFolks
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Emirates Skywards ICICI Bank Sapphiro Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Direct accumulation of Skywards Miles into Emirates frequent flyer account without conversion loss.
Complimentary Emirates Skywards Silver tier status providing priority check-in and extra baggage allowance.
Subsidized 1.99% foreign exchange markup fee for global travel.
Pros & Cons of the Emirates Skywards ICICI Bank Sapphiro Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Silver tier status unlocks Emirates business-class check-in counters and complimentary Dubai lounge access.
- Subsidized 1.99% forex fee saves on overseas spending.
- 10,000 welcome miles compensate the upfront joining fee when used for flight upgrades.
Things to Consider (Cons)
- High annual fee of ₹10,000 + GST with no spend-based waiver.
- Domestic lounge visits require meeting the ₹75,000 quarterly spend threshold.
- Miles value is locked strictly inside the Emirates and flydubai airline ecosystem.
Who Can Apply for the Emirates Skywards ICICI Bank Sapphiro Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
750+ Score Recommended
Applicants with a credit score of 750 or higher enjoy fast-tracked approval and preferential credit limits from ICICI Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Emirates Skywards ICICI Bank Sapphiro Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Emirates Skywards ICICI Bank Sapphiro Credit Card?
Check your pre-approved credit limit and instant approval eligibility across ICICI Bank with 100% paperless verification and zero score impact.