Emirates Skywards ICICI Bank Sapphiro Credit Card

The Emirates Skywards ICICI Bank Sapphiro Credit Card is a premium co-branded travel and lifestyle credit card offered by ICICI Bank in partnership with Emirates Skywards. This card is designed for frequent travellers and lifestyle-oriented consumers who seek to earn Skywards Miles on everyday and travel spends while enjoying lounge access and other travel-centric benefits. ICICI Bank Offering a blend of travel perks and lifestyle privileges, the card provides complimentary Emirates Skywards Silver Tier membership and access to domestic and international airport lounges, making it appealing to globetrotters and aspirational spenders.

Emirates Skywards ICICI Bank Sapphiro Credit Card

Joining Fees	₹5,000 + GST
Annual Fees	₹5,000 + GST
Card Type	Travel, Rewards
Network Type	Rupay

Rewards & Benifits

Earn up to 2 Skywards Miles per ₹100 spent on most categories including dining, travel and entertainment.
Complimentary Emirates Skywards Silver Tier membership on joining.
Domestic airport lounge access — 2 visits per quarter for primary cardholder.
International airport lounge access — 2 visits per year for primary cardholder.

Fees & Charges

Joining Fee: ₹5,000 + GST.
Annual Fee: ₹5,000 + GST.
Interest on ATM cash withdrawal: 3.75% per month.
Late payment fee ranges from ₹100 to ₹1,300.

Card Details

Travel-focused co-branded card with Emirates Skywards.
Skywards Miles can be redeemed for flights, upgrades, hotel stays and more.
Priority Pass or DreamFolks lounge access depending on onboarding date.
Reward redemption subject to Emirates Skywards programme terms.

Pros & Cons

Strong travel rewards with Skywards Miles earnings.
Complimentary Silver Tier membership.
Domestic and international lounge access benefits.
Good for frequent travellers and lifestyle spenders.

Higher joining and annual fees.
Reward redemption largely tied to Emirates Skywards ecosystem.
Not clearly specified network type on official page.
Some benefits may depend on spend thresholds or onboarding date.

ELIGIBILITY CRITERIA
Not specified on the official page.

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4️⃣ WELCOME BENEFITS
• 5,000 Skywards Miles on joining.
• Complimentary Emirates Skywards Silver Tier membership.

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5️⃣ CARD REVIEW
The Emirates Skywards ICICI Bank Sapphiro Credit Card is best suited for frequent flyers and lifestyle-centric consumers who value travel perks alongside everyday rewards. Its ability to earn elevated Skywards Miles on varied spends and the inclusion of complimentary Silver Tier status and lounge access add meaningful travel value. However, with relatively high joining and annual fees, the card’s value is more compelling for those who regularly redeem Skywards Miles through Emirates and can maximize lounge visits. Reward redemption is predominantly within the Emirates ecosystem, which may limit flexibility for some users. Overall, it’s a solid option for loyal Emirates travellers with substantial annual spend.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

Emirates Skywards ICICI Bank Sapphiro Credit Card