PointsVista · India · Updated 2026-10-04

Emirates Skywards ICICI Bank Sapphiro

ICICI Bank · Airline

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Mid-tier Emirates co-brand: 1.5 Skywards Miles per ₹100, Silver tier on joining (kept with ₹5 lakh annual spend), 2 Priority Pass visits a year.

Welcome offer
5,000 Skywards Miles and Emirates Skywards Silver tier on joining
Annual fee
₹5,000 + GST a year (₹5,900 incl. GST)
Rewards rate
1.5 Skywards Miles per ₹100 (domestic and international)
Regular APR
Interest is charged monthly; see the bank's fees page
Recommended CIBIL score
CIBIL 700+ (guide: TransUnion CIBIL calls 700+ good; the bank doesn't publish a minimum)
Forex markup
3.5% + GST
Airport lounges
Priority Pass (international) + card network (domestic). International: 2 a year; Domestic: 2 a quarter.
Points go to
Emirates Skywards. Emirates' frequent-flyer programme; ICICI co-brand cards earn Skywards Miles directly.
Apply ↗ See the route map and compare cards

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