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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | -7.1%^ | -2.7%^ | -0.6%^ | 0.7% | 1.2% |
| Est. Monthly Reward (₹) | (355) | (275) | (115) | 355 | 1,155 |
| All-India Rewards Rank* | 350 | 348 | 344 | 192 | 99 |
| Within Bank Rank* | 36 | 36 | 36 | 17 | 5 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The Emirates Skywards ICICI Bank Sapphiro Credit Card gives 0.8% effective reward on insurance & utilities and 1.6% on all other spending.
Overall, we estimate you can earn a net reward yield of 1.2% on spending above ₹1 Lac with this card in a month.
The Mine Credit Card is the best credit card from ICICI Bank for most people.
Sign up for the PRO 49 plan if you are spending less than ₹20,000 a month on your card. The PREMIUM 149 plan is best if you are spending between ₹20,000 – 50,000.
You can earn a net reward yield of 1.4-1.8% on all your spending with this credit card.
If you are spending more than ₹50,000 a month on your card, the Amazon Pay ICICI Bank Credit Card is the best option from ICICI Bank. We estimate you can earn a net reward yield of 1.2% with this card.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Emirates Skywards ICICI Bank Sapphiro Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 2 Skyward Miles / ₹100 on all spends
1 Skyward Miles / ₹100 on: |
| Milestone Rewards | Upgrade to Emirates Skywards Gold Tier Membership on annual spends of ₹5 Lacs |
| Other Rewards | – Complimentary Emirates Skywards Silver Tier membership
– 2 Complimentary Domestic Airport Lounge Visits / Qtr – 2 Complimentary International Airport Lounge Visits / Year – Buy 1 Get 1 Free on movie tickets on weekends at BookMyShow (Capped at 500 p.m.) |
| Rewards Redemption Fee | Nil |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Redeem for travel related bookings on Emirates Skywards Website 1Skyward Mile=₹0.80 |
| Card | Emirates Skywards ICICI Bank Sapphiro Credit Card | |
|---|---|---|
| Joining Fee | ₹5,000 + Taxes | |
| Annual Fee | ₹5,000 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | ₹250 + Taxes | |
| Interest Rate | 40.80% p.a. | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
