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HDFC Bank Platinum Times Credit Card Review 2023

Review on ICICI Bank Sapphiro Credit card

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.


EligibilityMore than 15 Lakhs annual income
FeesJoining feesRs.6500
Annual feesRs.3500 ( waived if 6k spent in previous year)
Joining rewardRs. 10000 worth of vouchers for travel,shopping
VariantMaster / AMEX
Yield %0.5% in Master and 0.75% in Amex
USPRailway Lounge access                Dragon Pass member ship
Reward points structure2 Domestic/4 International payback points in Mastercard                             3 Domestic/6 International payback points in Amex
Reward points redemptionCatalog or Cash (1 payback point is 25p
FeaturesFuel surchargeN
Movie benefits 2 complimentary tickets worth Rs. 500 twice every month
Milestone benefit4,000 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 access4 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 multiplierN
Annual fees vs monetary value of points5000rs (annual fees ) vs Rs.10000( on 3Lakh expenditure annually)
Extra privilegesOffers 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.

Also read: IDFC FIRST Classic Credit Card review

Also read: SoFi Credit Card Review 2022 



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