ICICI Sapphiro Credit Card

The Gem Collection is a series of ICICI credit cards. This collection offers cardholders a range of rewards and privileges. The ICICI Bank Sapphiro Credit Card is an integral part of the collection.

Features and Benefits of ICICI Bank Sapphiro Credit Cards

1. A cardholder can avail the following rewards on joining:
   1. Vouchers priced at Rs.3,000 and Rs.1,000 on Tata CliQ and Croma respectively.
   2. Four vouchers of Rs.1,000 and Rs.250 each for EaseMyTrip and Uber respectively.
   3. 12 months Membership voucher of Rs.800 on Zomato Pro.
2. PAYBACK Points on card purchases
   1. One can receive only up to 20,000 points in a year.
   2. In case card transactions add up to Rs.4,00,000, one can get 4,000 PAYBACK points as per the Milestone Rewards Program. Following this, transactions above Rs.1,00,000 in an anniversary year will fetch one 2,000 points.
   3. A cardholder can get up to 6 points for transactions worth Rs.100.
   4. If one uses their card to purchase fuel, pay utility bills or insurance, they would receive 1 point per Rs.100.
3. DragonPass membership
   1. A cardholder gets a complimentary membership of the Dreamfolks DragonPass.
   2. The membership enables one to have 2 complimentary airport lounge access along with 2 spa sessions.
4. Access to complimentary golf rounds
   1. Every month, a cardholder can avail up to 4 complimentary golf rounds or lessons.
   2. One can access the offer through GolfTripz post the 10th of the following month.
   3. The offer is valid for next two consecutive months.
   4. 1% is waived off on fuel surcharges for transactions at fuel pumps.
5. Movie ticket offers
   1. If one uses the card to purchase one movie ticket from BookMyShow, they can get Rs.500 off another ticket purchased in the same month.
   2. This offer can availed two times in one month.
6. Dining concessions
   1. A cardholder can get a discount of 15% while dining at select restaurants.
   2. These restaurants must be a part of the ICICI Bank Culinary Treats Program.
   3. i-Assist services offered by the ICICI Bank helps a cardholder in making reservations and referrals for travel, dining, accommodation and other lifestyle amenities.
7. Protection against card misuse
   1. An in-built microchip protects the card from fraudulent transactions.
   2. Every user is given a Personal Identification Number (PIN) which must be entered while making card purchases at retail outlets.
   3. The PIN does not have to be entered for purchases online.
   4. In order to obtain 3D Secure for the card, one needs to register their card in the official website of ICICI Bank.
   5. Features like ‘Counterfeit Card Liability’ and ‘Account Takeover Cover’ act as an added shield against malicious use of the credit cards.
8. Insurance benefits
   1. One can receive up to Rs.3 crore as part of air accident insurance cover.
   2. Insurance cannot be availed by the Add-on cardholder.
   3. It can be claimed only if the card was used at least 60 days before the incident.
   4. In order to avail insurance, the outstanding minimum balance of the card must be cleared out.