ICICI Bank · Mid
ICICI Sapphiro
Earns ICICI Bank Rewards (all other cards: 6:1)
Where it ranks across all 187 cards
#62 Education
0.5%
direct
#86 Jewellery & watches
0.5%
direct
#91 Gaming
0.5%
direct
#101 Mobile / broadband
0.5%
direct
#110 Train tickets
0.5%
direct
#116 Cabs & transit
0.5%
direct
#122 Health & pharmacy
0.5%
direct
#125 Other
0.5%
direct
#126 Electronics
0.5%
direct
#128 Flights
0.5%
direct
portal reaches 2.0%
#128 Hotels
0.5%
direct
portal reaches 2.0%
#130 Groceries
0.5%
direct
#130 Movies & events
0.5%
direct
#133 Online shopping
0.5%
direct
#133 Food delivery
0.5%
direct
#133 Fashion
0.5%
direct
#136 Dining out
0.5%
direct
#80 Insurance
0.3%
direct
#93 Utility bills
0.3%
direct
1 Apr 2026
Domestic lounge access now needs ₹75,000 spend a quarter (was free). The BookMyShow offer needs ₹25,000 a quarter.
Get an email if this card changes - sign in.
iShop flights ₹1/pt; vouchers ~₹0.5 post-2026 devaluation; statement ₹0.25
Points valued at ₹0.25/pt - conservative, what rankings use · transfers reach up to ₹0.30/pt via Air India Maharaja Club at 6:1
Reward rules3 direct
Base rate - everything not covered below
0.50%base rate
2 pts / ₹100
source
Source: ICICI Sapphiro (icici.bank.in) - icici.bank.in - read 20 Aug 2026
1 pt/₹100 on utility & insurance (half rate, not zero)
0.25%this rule
1 pt / ₹100
source
Source: ICICI Sapphiro page - icicibank.com - read 22 Aug 2026
2X international spends
1.00%this rule
4 pts / ₹100
source
Source: ICICI Sapphiro (icici.bank.in) - icici.bank.in - read 20 Aug 2026
Via portals & vouchersdisplay, never ranks
iShop flight redemption boost
via ishop
source
Source: ICICI iShop T&C - icicibank.com - read 20 Aug 2026
2.0%
iShop vouchers (devalued to ~2%)
voucher route via ishop
source & note
2026: iShop voucher value cut sharply, PLUS 3.5%+GST processing fee on Flipkart/Swiggy/Amazon Pay vouchers - usually not worth it now. Brand list harvested from the public iShop catalog.
Source: iShop shopping-vouchers catalog (public) - ishoprewards.com - read 22 Aug 2026
2.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Air India Maharaja Club
6:1 ratio · All other ICICI credit/debit cards; min 2,000 RP per conversion.
1,666 ptsworth ₹1,000-₹2,999
Weak 6:1 route available on every ICICI card (Sapphiro, Coral etc.) - catalogue redemptions usually beat it; useful only to top up a Maharaja balance.
Earns nothing on4 exclusions
Fuel
earns nothing
No points on fuel (program MITC).
→ use FIRST Private here (6.6%)
detail & source
Bank marks its MCC list indicative, not exhaustive.
categories: Fuel · MCCs: 1361, 3851, 5172, 5541, 5542, 5983, 9752, 5555
Source: ICICI Credit Card MITC (bank PDF, updated 2 Aug 2026) - icicibank.com - read 22 Aug 2026
Rent
earns nothing
Rent earns nothing on all ICICI cards (1% fee applies).
→ use FIRST Private here (6.6%)
detail & source
categories: Rent · MCCs: 7014, 7407, 5271, 6513
Source: ICICI Credit Card MITC (bank PDF, updated 2 Aug 2026) - icicibank.com - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loads excluded (program MITC).
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: ICICI Credit Card MITC (bank PDF, updated 2 Aug 2026) - icicibank.com - read 22 Aug 2026
EMI
earns nothing
EMI excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: ICICI Credit Card MITC (bank PDF, updated 2 Aug 2026) - icicibank.com - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.