Review on ICICI Bank Sapphiro Credit card

Review of ICICI Bank Sapphiro Credit card

So, ICICI Bank is the only bank that offers a Dragon pass membership with his credit card.

The Railway lounge access feature is also rarely offered in various other credit cards.

 

Eligibility		More than 15 Lakhs annual income
Fees	Joining fees	Rs.6500
	Annual fees	Rs.3500 ( waived if 6k spent in previous year)
Joining reward		Rs. 10000 worth of vouchers for travel,shopping
Variant		Master / AMEX
Yield %		0.5% in Master and 0.75% in Amex
USP		Railway Lounge access                Dragon Pass member ship
Reward points structure		2 Domestic/4 International payback points in Mastercard                             3 Domestic/6 International payback points in Amex
Reward points redemption		Catalog or Cash (1 payback point is 25p
Features	Fuel surcharge	N
	Movie benefits	2 complimentary tickets worth Rs. 500 twice every month
	Milestone benefit	4,000 PAYBACK Points on spending Rs. 4,00,000 on your card and 2,000 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 20,000 PAYBACK Points per year
	Lounge access	4 complimentary domestic airport lounge visits per quarter, courtesy of Mastercard and American Express. 2 complimentary international airport lounge visits per calendar year and 2 complimentary domestic airport spa visits per calendar year, under complimentary membership to Dreamfolks DragonPass Lounge Access Programme.
	Rewards multiplier	N
	Annual fees vs monetary value of points	5000rs (annual fees ) vs Rs.10000( on 3Lakh expenditure annually)
	Extra privileges	Offers Dining privilege to 15%                            4 complimentary golf access per month if 50,000 or more spent in the previous month

The Yield percentage is quite low as compared to other bank premium credit cards, However, the milestone benefit brings the value of this card at par to some extent as com[pared to other premium cards in the industry.

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THANK YOU SO MCUH