ICICI Bank Sapphiro Debit Card- Single card, multiple benefits
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Indialends, 26 Mar 2026

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ICICI Bank Sapphiro Debit Card

The ICICI Bank Sapphiro Debit Card are designed for satisfying each customer’s need and requirements. The best part about using this card is that it enjoys acceptance at 50 million merchant outlets and ATMs across the globe. Read here in detail about the features and benefits of ICICI Bank Sapphiro debit card:

Features and benefits

  • Welcome gift vouchers from Wills Lifestyle, each worth Rs 500.
  • The card offers a Cleartrip Discount voucher worth Rs. 3550.
  • Get a voucher for TheMobileStore flash worth Rs. 1000 and avail the discount.
  • Get a voucher worth Rs 250 from Ethnicity.
  • Use your Sapphiro Debit Card with your PAYBACK Card and avail of 2,000 bonus PAYBACK Reward Points.
  • Your Sapphiro Debit Card comes with a high withdrawal limit and transaction limit
  • ICICI Bank Culinary Treats lets you save a minimum of 15% when you go for a meal out next time at leading restaurants around the country.
  • Free airport lounge access on visiting cities like Delhi, Mumbai, Chennai, Hyderabad, and Bangalore.
  • Comes with the best built-in-card protection plan.
  • For your convenience, this debit card comes with the roadside assistance program.
  • ‘VISA Infinite Blockbuster Weekends’ is a feature that presents customers with two movie tickets at the price of one.
  • Save on petrol the next time you fuel up at select HPCL pumps with the Zero surcharge on fuel purchases.
  • Stay protected with the Personal Accident, Air, and Purchase Protection Cover.

PAYBACK Points

Sapphiro Debit Card customers will be eligible for 2000 Bonus PAYBACK reward points on the first usage of a debit card for any retail or online purchase, and 2 earn transactions through PAYBACK online shops using PAYBACK Card or linked mobile number within 60 days of card issuance.

The eligibility criteria to apply for ICICI Bank Sapphiro Debit Card

All customers holding an account with ICICI bank are eligible for this card. Existing eligible customers can also upgrade their accounts to apply for this card.e

Fee and charges

Joining FeesRs 1999+GST
Annual FeesRs 1499+GST
Re-issuance feesRs 200+GST
POS/Ecom TransactionsNIL

How to apply

  • You can apply online providing the details of your existing debit card to upgrade your card to a Sapphiro debit Card.
  • You can call Customer Care directly and start the process.
  • You can receive a call from the ICICI representative by filling in the contact sheet available on the official ICICI India website.
  • You can step into the nearest ICICI bank branch to apply for the Sapphiro Debit Card.


FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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