SwipeYield Review
A multi-faceted premium card designed for individuals who prioritize travel, fine dining, and elite lifestyle experiences.
PremiumTravelMoviesGolfLifestyle
ICICI Bank Sapphiro Credit Card
By ICICI Bank
3.9SwipeYield Rating
Joining Fee₹6,500 + GST
Annual Fee₹3,500 + GST
Fee Waiver:
Annual fee waived if spends in the previous year exceed ₹6 Lakh
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Reward TypeReward Points
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NetworkVisa, Mastercard, RuPay, Amex
Rewards
Base
0.50% (2 Points per ₹100 on domestic spends; 1 Point = ₹0.25)
Accelerated
1.00% (4 Points per ₹100 on international spends); 4,000 pts milestone on ₹4L spend
Lounge Access
4 domestic visits per quarter (requires ₹75,000 spend in prev. quarter); 2 international visits per year
Pros
- High-value welcome vouchers (worth over ₹13,000)
- Comprehensive golf and concierge services
Cons
- High spend threshold for domestic lounge access
- Low base reward yield
Eligibility
- Salaried: ₹75,000 monthly income
- Self-employed: ₹9 Lakh annual income
- Age 21-65