ICICI Bank

M E M B E R S H I P G U I D E

TWO CARDS. ONE ACCOUNT. ONE JOINING FEE.

THE PERFECT COMPLEMENT
FOR A LIFE LESS ORDINARY

A tribute to the brilliant and dynamic nature of

the sapphire gemstone. A gateway to the finest
experiences in the world. With a selection of
privileges and rewards hand-picked for the true
connoisseur of life.

Welcome to the next level of Credit Card privilege.

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 THE LINE-UP OF PRIVILEGES

WELCOME PRIVILEGES .......................... 04 PRIVILEGES OF YOUR ICICI BANK

BENEFITS OF TWO CARDS SAPPHIRO AMERICAN EXPRESS ®/
IN ONE ACCOUNT................................... 05 MASTERCARD CREDIT CARD.................. 17
ICICI BANK REWARDS.............................. 06 ICICI BANK CULINARY TREATS ............... 18
ICICI BANK CREDIT CARDS BILL PAYMENT OPTIONS......................... 19
EXPERIENCE............................................ 09
BENEFITS FOR YOUR CONVENIENCE...... 20
TRAVEL..................................................... 10
AT YOUR SERVICE.................................... 22
ENTERTAINMENT ................................... 11
GOLF........................................................ 12
ASSURANCE........................................... 14
CONCIERGE............................................ 16

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EXCLUSIVE GIFTS TO SUIT YOUR LIFESTYLE

Receive Welcome vouchers on Shopping and Travel worth

`10,000 with your ICICI Bank Sapphiro Credit Card upon
payment of joining fee of ` 6,500

JOINING FEES AND PRIVILEGES

Joining Fee: ` 6,500 + Goods and Service Tax

Annual Fee (From 2nd year): ` 3,500 + Goods and Service Tax
If the spends on your ICICI Bank Sapphiro Credit Card are
` 6,00,000 or more during an anniversary year, the Annual Fee
for the subsequent year shall be reversed.

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TWO CARDS FOR ONE EXTRAORDINARY LIFE

We know you never settle for anything but the best. That’s
why we bring to you an extensive range of privileges from
two of the world's finest Credit Card networks - American
Express® and Mastercard.

PRIVILEGES OF TWO CARDS

Advantage of two networks
Access to exclusive programmes including:

CONVENIENCE OF ONE
One card account One monthly statement
One line of credit One joining fee

UNIQUE IN MORE WAYS THAN ONE

Designed by acclaimed international designers, the ICICI Bank

Sapphiro incorporates a unique metal membrane technology for the
first time in India. The embedded metal construct defining the name
‘Sapphiro’ as well as the ICICI Bank logo greatly improves the
longevity and durability of the lettering on the card surface. So your
cards continue to look as unique always.

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A REWARDS PLAN
THAT KNOWS NO LIMITS

The ICICI Bank Sapphiro has been specifically designed to deliver

higher rewards catering to your lifestyle.
Enjoy limitless ICICI Bank Rewards – India’s largest and Europe’s
most popular loyalty programme.

Earn everyday
With rewards up to 6 reward points for every `100 spent, make
every purchase count.

Reward Points on the Reward Points on the

ICICI Bank Sapphiro ICICI Bank Sapphiro
Mastercard Credit Card American Express Credit
(per ` 100 spent) Card (per ` 100 spent)

Domestic
spends* 2 3

I n te r na t i ona l 4 6
spends

Earn 50% more reward points on your ICICI Bank Sapphiro American
Express® Platinum Credit Card.
Earn 1 reward point for every `100 spent on utilities and
insurance categories.
*No reward points will accrue on fuel transactions.

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 REWARDS THAT PLEASE

When it's time for you to redeem your reward points we have
ensured a worthy selection of rewards for you to choose from.

Merchandise
The finest brands await your indulgence.

Gift Vouchers
The gift of choice is said to be the best one of all. Redeem your
points for gift vouchers.

Air Miles
Convert your reward points into air miles on Jet Airways and
Miles and More.

Convert to cash
When redeemed for cash, each reward point is equivalent to ` 0.25.

*Rewards are subject to availability.

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A ONCE-IN-A-LIFETIME EXPERIENCE
EVERY TIME

A truly acclaimed life is rarely about what you own but

more about what you have experienced.

We present to you ‘ICICI Bank Credit Cards Experience’,

an exclusive programme designed to provide superior
value and benefits relevant to your lifestyle choices.
With a selection of offerings across categories
including golf, travel, entertainment and spa, this
programme is crafted to ensure that every
moment of your life is a memorable experience.

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 ICICI Bank Credit Cards

Tr a v e l & S t a y s

YOUR FIRST CLASS EXPERIENCE BEGINS EVEN BEFORE THE

FLIGHT DOES

We know your travel schedule tends to be hectic. The ICICI Bank Sapphiro
Credit Card allows you to unwind and relax with lounge access privileges at
airports.
Enjoy the unmatched advantage of your complimentary DragonPass, the
world’s first all-in-one Digital Airport platform.
As a DragonPass member, you can relax at more than 450 comfortable and
luxurious airport lounges across 115 countries around the world, regardless
of the class or airline you fly with, or whether or not you are a member of an
airline frequent flyer club.
Enhance your airport lounge experience with the all new feature of 2
international airport lounge visits and 2 spa sessions at selected airports in
India every year, through complimentary Dreamfolks DragonPass membership
Discover a new way to experience the airport with exciting offers from
shopping, restaurants to limos on DragonPass app.

• The USD 99 annual membership fee for DragonPass is complimentary.

• You will need to pay for the lounge visit charges for visits done over and
above the complimentary accesses.
• For more details on DragonPass, please visit
www.en. dragonpass.com.cn.
• For updates on lounge visit charges and programme Terms and
Conditions, please log on to www.icicibank.com.

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 ICICI Bank Credit Cards

Entertainment

It's entertainment like never before. With complimentary To book, Log on to www.bookmyshow.com
movie and event tickets, experience the privilege which
is truly worth the red carpet.

COMPLIMENTARY MOVIE/SPORTS/THEATRE/ *Book up to 2 complimentary tickets in a month on

MUSIC EVENT TICKETS w w w.bookmyshow.com, not exceeding ` 500 each.
Buy one, get one free movie and event tickets at For of fer det ails and Terms and Conditions, please visit
www.bookmyshow.com. Book up to 2 complimentary tickets in a w w w.icicibank.com
month not exceeding `500 each.
Successful booking is on first come first serve basis and
is subject to daily stock availability. For offer details and
Terms and Conditions, please visit www.icicibank.com

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 ICICI Bank Credit Cards

Golf

Gear up for a golfing experience like no other. Perfect your

swing with exclusive access to over 100 of the most celebrated
golfing greens in India and around the world.

As an ICICI Bank Sapphiro Credit Card member, you are entitled to a

complimentary round/ lesson of golf every month for every ` 50,000
retail spend on your card in the previous calendar month, maximum
up to 4 rounds/lessons per month.

To book your game:

• Simply visit teetimes.golftripz.com and create a Golftripz

account using the same email ID as registered with ICICI Bank
Credit Cards.

• The complimentary round of golf will be visible in your Golftripz

account after the 10th day of the next month. This will be
available for you to play anytime in the next 2 months.

• Explore available tee time slots at leisure and make your

preferred booking.

• Track all your bookings online.

You may also call i-Assist, our 24x7 concierge service at 1800-26-70731
(toll free for MTNL/BSNL lines) or 022-67872016 (standard call charges
applicable), for assistance with online booking.
*For detailed Terms & Conditions, please visit the Credit Cards section at www.icicibank.com.

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SELECTION OF GOLF COURSES IN INDIA AND ABROAD

Arabella, South Africa Ahmedabad : Kensville Golf Club

Ranked among the top 5 golf courses in South Africa.
Bengaluru : Clover Greens; Champion Reef Golf
Danang Golf Club, Vietnam County; Prestige Golfshire
A UNESCO World Heritage Site and a Links Style Course
rolled into one. Designed by Greg Norman. Chennai : Cosmo TNGF Golf Club
Delhi NCR : Golden Greens Golf Club; Jaypee
Angkor Golf Resort Siem Reap, Cambodia Greens Golf Club; Classic Golf Club
Designed by Sir Nick Faldo. An exceptionally challenging
course where water comes into play on all holes. Pune : Oxford Golf and Country Club; Pune
Golf Club; Aamby Valley Golf Club
Spring City Lake Course, China Hyderabad : Boulder Hills.
A well-designed course perched at an altitude of 2100
metres, near Kunming in South West China. *For complete list of golf courses, please visit the Credit Cards section at www.icicibank.com.
This service is provided by a third party engaged by ICICI Bank. Terms and Conditions of ICICI
Bank and third party apply.

Abu Dhabi Golf Club

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 ICICI Bank Credit Cards

Assurance

While the ICICI Bank Sapphiro gives you access to the finest that • Chip Card: A unique microchip embedded in your Credit
life has to offer, it is also equipped with enhanced security features Card protects against counterfeiting and duplication.
and insurance cover to ensure complete peace of mind.
• Counterfeit Card Liability: Protect yourself against fraudulent
• Comprehensive insurance cover: You are entitled to an Air transactions or misuse.
Accident Insurance cover of ` 3 crore. The following table gives a
look at the insurance benefits: • Account Takeover Cover: Remain protected in the event of
your personal details being accessed and misused by a third
person.
Type of insurance Cover
Personal Accident Insurance (Air) ` 3 crore
Credit shield ` 50,000
Baggage insurance* Up to ` 25,000
Loss of travel documents* $ 500
This insurance cover comes to you at no extra cost. All insurance benefits
Loss of checked-in baggage* $ 1200 will be applicable only in case the ICICI Bank Sapphiro has been used at
least once in the last 60 days prior to the event. All insurance benefits are
Delay in receipt of checked-in baggage* $ 300 in excess of available on the Primary Card only. There is no insurance cover on
12 hours Supplementary Cards. Please ensure that the minimum amount due on
your Credit Card is paid at all times to avail of insurance benefits.
Missing flight due to trans-shipment* $ 300 *Applicable for international travel only and not for domestic travel and
only when the tickets are purchased on the ICICI Bank Sapphiro. Travel
Plane hijacking* $ 25 0 p e r h o u r u p t o insurance covers international travel only. Insurance is the subject matter
max of 12 hours of solicitation. The insurer for the cover as aforesaid is ICICI Lombard
General Insurance Co. Ltd. The policy is governed by the Terms and
D e l ay i n f l i g h t * $ 250 in excess of Conditions laid down by ICICI Lombard General Insurance Co. Ltd.
12 hours ICICI Bank is not responsible for processing of claims and all claim
related queries need to be taken up directly on ICICI Lombard General
Lost Card Liability ` 50,000 - 2 days toll-free number: 1800 209 8888. For more details on the Terms and
(pre-repor ting) and Conditions of the insurance cover on ICICI Bank Credit Cards, please
7 days (post-repor ting) visit www.icicibank.com

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 ICICI Bank Credit Cards

Concierge

A sudden business lunch? The perfect gift for your wife? Or Car rental and limousine service: i-Assist can make sure you travel
even a last-minute reservation at your favourite restaurant? in style with a chauffeur-driven car at your disposal.
Sit back, relax and experience the joy of leaving it all to Booking and delivery of movie tickets: Don't want to stand in that
somebody else. queue? The i-Assist team can make sure movie tickets are bought
Our team of service professionals at i-Assist, the 24x7 and delivered at your doorstep. This service is currently available
concierge service takes care of your every need right from in New Delhi, Mumbai, Bengaluru and Chennai.
finding the right gift and making restaurant reservations to Medical concierge privileges: In case of any unforseen situation
travel and hotel reservations, even delivering movie tickets should you need to be moved to a place where appropriate
at your doorstep. medical care is available, the i-Assist team can arrange for air
and/or surface transportation and communication to move you to
The services include: the required hospital.
Restaurant referral and reservation: From entertaining i-Assist can also put you in touch with physicians, hospitals,
your client to celebrating your child’s birthday, i-Assist can clinics, dentists and dental clinics on request. You can also ask to
suggest the perfect restaurant for every occasion. set up appointments with local doctors.
Flower and gift assistance: i-Assist will send gifts of your Emergency auto assistance across India: A host of emergency
choice to your loved ones, even selecting the choicest auto assistance services including towing, repair and alternative
flowers and presents to make your loved ones feel extra travel assistance across New Delhi, Mumbai, Kolkata, Hyderabad,
special. Bengaluru and Chennai are available for you.

Hotel referral and reservation: Experience the luxury of

attentive service even before your holiday begins. Simply To contact i-Assist, please call 1800-26-70731 (toll free for
call i-Assist to take care of all your arrangements at the MTNL/BSNL lines) or 022-6787-2016 (standard call charges
finest hotels across India. applicable). Available 24 hours a day, 365 days a year.
Flight referral and reservation: Booking tickets the
conventional way is a thing of the past. Call i-Assist for This service is provided by a third party engaged by ICICI Bank.
speedy flight reservations. Terms and Conditions apply.

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THE GOOD LIFE PUTTING THE PRICELESS IN
NEVER LOOKED SO GOOD EACH MOMENT

PRIVILEGES OF THE ICICI BANK SAPPHIRO PRIVILEGES OF THE ICICI BANK SAPPHIRO
AMERICAN EXPRESS ® CREDIT CARD MASTERCARD CREDIT CARD
With your ICICI Bank Sapphiro American Express Credit Card, The finer things in life invite you to spend more time with
you not only get accelerated rewards, but also a world of them courtesy the ICICI Bank Sapphiro MasterCard Credit
privileges, rewards and savings exclusive only to American Card. An assortment of privileges await your pleasure.
Express Card members. Take a moment to discover more about
some of the exciting benefits of your card. LOUNGE ACCESS
LOUNGE ACCESS Enjoy complimentary access to select airport lounges in
India with your ICICI Bank Sapphiro Master Credit Card.
Enrich your travel experience with complimentary access* to
select lounges at airports in India with your ICICI Bank Dial MasterCard For You at 1800-102-6263/022-42006396
Sapphiro American Express Credit Card. To avail, please for more information.
present your Card at the lounge reception.
To view the updated list of lounges and complete details on * To avail, please present your Credit Card at the lounge.
the programme with the associated Terms and Conditions, For the most updated list of lounges, please visit
please visit www.icicibank.com www.icicibank.com

• To view the full list of offers, visit • To view the full list of offers, visit
www.amexnetwork.com/selects www.mastercardmoments.com
• To enjoy Selects offers, please present your ICICI Bank • Dial MasterCard For You at
Sapphiro American Express Credit Card while settling the bill. 1800-102-6263/022-42006396 for more information.

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 Shower your taste buds with delicious treats at
leading restaurants across India and get great
discounts too.
Save a minimum of 15% on your dining bill at all
participating restaurants. To view the complete list of
TO YOUR HEART’S CONTENT restaurants visit www.culinarytreats.com. You can also
download the ICICI Bank Culinary Treats mobile app
from or

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 Online Payment: Make your Credit Card payment online through the Bill Pay
(for ICICI Bank Savings Account) or Click to Pay (non ICICI Bank Savings
Account holders) options. ICICI Bank Savings Account holders can also make
PAY, YOUR WAY the Credit Card payment through our Customer Care.

Auto-debit: Control when and how you make payments without ever missing
one! ICICI Bank Savings Account holders have the convenience of an
Bill Payment Options auto-debit facility to pay your Credit Card payment directly.

Cheque/Draft: You may also deposit your cheque or bank draft favouring your
ICICI Bank Sapphiro Credit Card No. 3747 xxxx xxxx xxx at any of the ICICI
Bank branch drop boxes. Please note that an ICICI Bank cheque will take 3 days
to clear and a non-ICICI Bank cheque will take a minimum of 5 days to clear.

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THERE’S ALWAYS AN EASIER WAY

BENEFITS FOR YOUR CONVENIENCE

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Fuel surcharge waiver across all pumps: The ICICI Bank your monthly statement, follow payment status and make bill
Sapphiro Credit Card gives you a waiver of 1% on the payments along with a host of other online services.
fuel surcharge every time you refuel. This is valid across
all pumps. ATM withdrawals: In times of urgency in India or while travelling
overseas, you can withdraw cash* from ATMs bearing American
Utility bill payment: Use your ICICI Bank Sapphiro to make Express/MasterCard logos up to the available cash limit. For the
utility bill payments from the comfort of your office or home updated list of ICICI Bank ATM locations, please visit
through our Internet Banking Services or our Customer Care. www.icicibank.com. The interest rate for cash withdrawal will be as
per the 'Annualized Percentage Rate' (APR) applicable on your
Supplementary cards: You can also share these card benefits Credit Card. Please refer to the ‘Most Important Terms and
with your family members and present up to two Conditions’ (MITC) to know the APR of your credit card.
supplementary cards to your parents, spouse, children or
siblings above the age of 18 years.

E-mail statements and mobile alerts: E-mail statements and

mobile alerts are faster and more reliable ways to get
information without postal delays and ensure easier access
while on the move! Please join the ICICI Bank Go Green
Initiative. Save time and paper by subscribing to e-mail
statements.

ICICI Bank 3D Secure service: The ICICI Bank 3D Secure

service, MasterCard SecureCode/American Express Safekey
is the second level of authentication for your online card
purchases which protects your card against frauds. As per RBI
rules, you must now also enter your unique verified
MasterCard SecureCode/American Express Safekey besides
the CVV/Expiry date while shopping online. This service is
free and you can register your card on www.icicibank.com.
Please note that each of your ICICI Bank Credit Cards must be
registered individually.

Online banking: Register on www.icicibank.com and view

*Cash withdrawal charges apply.

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AT YOUR SERVICE

CUSTOMER CARE
As an ICICI Bank Sapphiro Credit Card Member, we acknowledge you as our highest priority. Our
toll-free helpline number 1800-103-8181 is accessible from all cities.

SMS ASSIST
As an ICICI Bank Sapphiro Credit Card member, enjoy privileged access to our exclusive Customer
Care service. Just send us an SMS and we will call you back, ensuring that you receive a quick and
informed response at all hours.

If you want ICICI Bank Customer Care to call you, just type ASSIST and send it to us on 5676766.

Each of these convenient modes of contact are serviced by trained professionals ensuring that you
receive a quick and informed response at all times.
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DISCLAIMER: The information provided herein regarding products, services, offers, benefits etc. of ICICI Bank/Merchants/third party are
governed by their detailed Terms and Conditions, internal policy guidelines as specified by ICICI Bank/Merchants/third party from time to
time and are subject to applicable laws and regulations. The information provided hereinabove does not amount to an offer or sponsor or
advice as regards any product or services of ICICI Bank or any of its group companies or third parties and is not intended to create any rights
or obligations. ICICI Bank does not undertake any liability or responsibility for the errors, details, accuracy, completeness or correct
sequence of any content or information provided hereinabove or for any loss or damage incurred by anyone in reliance on anything set out
herein. Any dispute or claim regarding the goods, services brought about by the Merchants/third party must be resolved by the customer
with the Merchants/third party directly without any reference to ICICI Bank. Any reference to service levels in this document are only
indicative and should not be construed to refer to any commitment by ICICI Bank or any other service provider. The use of any information
set out herein is entirely at the recipient's own risk and discretion. The “ICICI Bank” and “I-man” logos are trademark and property of ICICI
Bank Ltd. Misuse of any intellectual property, or any other content displayed herein is strictly prohibited. Images used herein are for
purposes of illustration only.

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