{
  "id": "icici-emirates-sapphiro-credit-card",
  "locale": "hi",
  "name": "Emirates Skywards ICICI Bank Sapphiro Credit Card",
  "bank": "ICICI Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹5,000 + GST",
  "loungeAccess": "पिछली खर्च तिमाही में ₹75,000 योग्य खर्च पर 2 घरेलू विज़िट/तिमाही; 2 अंतरराष्ट्रीय विज़िट/वर्ष विज्ञापित",
  "rewardsRate": "घरेलू व अंतरराष्ट्रीय खर्च पर 1.5 Skywards Miles/₹100; माइल मूल्य अपुष्ट",
  "bestFor": "Emirates यात्री जो तिमाही लाउंज और मूवी खर्च की शर्त पूरी कर सकें",
  "officialLink": "https://www.icici.bank.in/personal-banking/cards/credit-card/emirates-skywards/emirates-sapphiro",
  "aiVerdict": {
    "score": 1.2,
    "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 (₹5000) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "icici-emirates-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/emirates-skywards/emirates-sapphiro",
    "https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/mitc_cc.pdf"
  ],
  "feeWaiver": "Not established by captured product page",
  "networks": [],
  "quickFacts": [
    {
      "key": "Annual fee",
      "value": "₹5,000 + GST"
    },
    {
      "key": "Joining miles",
      "value": "5,000 Skywards Miles + Silver tier advertised"
    },
    {
      "key": "Domestic lounge",
      "value": "2/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": "Domestic spend",
      "rate": "1.5 Skywards Miles / ₹100"
    },
    {
      "category": "International spend",
      "rate": "1.5 Skywards Miles / ₹100"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [],
  "exclusions": [],
  "feesDetail": [
    {
      "item": "Joining fee",
      "value": "₹5,000 + GST"
    },
    {
      "item": "Annual fee",
      "value": "₹5,000 + GST; waiver not established"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Citizenship and age",
      "requirement": "Indian citizen over 21"
    },
    {
      "criteria": "Salaried income",
      "requirement": "₹1,50,000 monthly income stated"
    },
    {
      "criteria": "Self-employed income",
      "requirement": "At least ₹18,00,000 annually"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}