{
  "id": "icici-sapphiro-credit-card",
  "locale": "en",
  "name": "ICICI Bank Sapphiro Credit Card",
  "bank": "ICICI Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹3,500 + GST",
  "loungeAccess": "2 international/year; 4 domestic/quarter after ₹75,000 eligible preceding-quarter spend",
  "rewardsRate": "4 points/₹100 international; 2 domestic; 1 utility and insurance; point value unverified",
  "bestFor": "Frequent travellers able to meet the lounge and annual-fee spend gates",
  "officialLink": "https://www.icici.bank.in/personal-banking/cards/credit-card/sapphiro-card",
  "aiVerdict": {
    "score": 2.7,
    "summary": "It offers baseline benefits without any standout strength in rewards, fees, or lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹3500) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "icici-sapphiro-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.icici.bank.in/personal-banking/cards/credit-card/sapphiro-card",
    "https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/mitc_cc.pdf"
  ],
  "feeWaiver": "Next annual fee waived after spending over ₹6 lakh; eligible-spend rules pending",
  "networks": [],
  "quickFacts": [
    {
      "key": "Joining fee",
      "value": "₹6,500 + GST"
    },
    {
      "key": "Annual fee",
      "value": "₹3,500 + GST; next year waived after >₹6 lakh spend"
    },
    {
      "key": "Lounge",
      "value": "2 international/year; 4 domestic/quarter after ₹75,000 eligible prior-quarter spend"
    },
    {
      "key": "BookMyShow",
      "value": "BOGO up to ₹500 twice monthly after ₹25,000 eligible prior-quarter spend"
    }
  ],
  "earnRates": [
    {
      "category": "International spend",
      "rate": "4 points / ₹100"
    },
    {
      "category": "Domestic spend",
      "rate": "2 points / ₹100"
    },
    {
      "category": "Utility and insurance",
      "rate": "1 point / ₹100"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [],
  "exclusions": [],
  "feesDetail": [
    {
      "item": "Joining fee",
      "value": "₹6,500 + GST"
    },
    {
      "item": "Annual fee",
      "value": "₹3,500 + GST; next year waived after spend over ₹6 lakh"
    },
    {
      "item": "Forex markup",
      "value": "3.5%; taxes and transaction conditions pending"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age and citizenship",
      "requirement": "Indian citizen over 21"
    },
    {
      "criteria": "Salaried income",
      "requirement": "₹75,000 monthly income stated"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}