If you want to know about all credit cards like their benefits, features, and how they work? We can clear your all doubts regarding credit cards. Know about any card we can give full information about any credit card. Listen to our audio and visit this link for more details about How To Maximize the Benefits Of Your Axis Credit Card: https://dailygram.com/index.php/blog/1150984/how-to-maximize-the-benefits-of-your-axis-credit-card/

ICICI Bank Sapphiro Credit Card is a premium credit card offered in two network variants- Mastercard and Visa. The card is best suited for both domestic and international travelers and offers premium privileges to the users including Complimentary Dragon Pass Membership, Visa Lounge Access, Golf privileges and more.

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ICICI Bank Sapphiro Credit Card- Features and Benefits

With ICICI Bank Sapphiro Credit Card, you get to enjoy the benefits of 2 cards with the convenience of 1 account. You will get access to premium lifestyle privileges across popular categories like travel, dining, entertainment, golf etc.

Complimentary Airport Lounge Access

The card provides 4 complimentary airport lounge access per quarter (two on each variant) by spending a minimum of Rs 5,000 or above in a calendar quarter on the card to avail this facility in the next calendar quarter. Over and above the allowed number of complimentary visits, each subsequent visit will be charged as per rates applicable to each lounge service provider.

For the list of applicable lounges, please call on 1800 102 6263/ 022-42006396 or click for a complete list of lounges.

Dreamfolks Membership Programme

This is perhaps one of the best benefits that the card offers. As a Dreamfolks 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 you are a member of an airline frequent flyer club. You can avail the following benefits-

2 complimentary airport lounge visits outside India and 2 spa sessions at selected airports in India every year, through complimentary Dreamfolks membership

USD 99 annual membership fee for Dreamfolks Programme is complimentary. You will need to pay for the lounge visit charges for visits done over and above the complimentary accesses

Great offers from shopping, restaurants to limos on Dreamfolks app

Complimentary Rounds of Golf

As an ICICI Bank Sapphiro Credit Cardholder, you will get a complimentary Golf Round / Lesson for every Rs. 50,000 retail spends in the previous calendar month, maximum of up to 4 rounds a month.

To book your game, visit www.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 and track all your bookings online

Who should take ICICI Bank Sapphiro Credit Card?

ICICI Bank Sapphiro Credit Card is indeed a travel-focused credit card, best suited for frequent domestic and international travellers interested in airport lounge access. For instance, the cardholder is eligible for 4 domestic lounge visits per quarter along with 2 annual domestic airport spa visits. Further, the card offers 2 international airport lounge visits per year.

There are various kinds of credit card users. Some use credit cards extensively, snapping up all benefits, while some use them only for emergencies. Some people are always punctual about their credit-card dues, while some people are perpetually late. Some people like to own a number of credit cards while others are satisfied with only one. What kind of user are you? Don't know? Let’s find out!

The Responsible User

These users tend to keep an eye on their bank statements. They know exactly how their statements are going to be, and prepare themselves accordingly. They usually always repay their debts on time and hence save themselves from paying interest. They also try to maximize the benefits and offers that come with their cards, whether it is dining, movies, or shopping.

For more details visit this link: https://creditguide.mystrikingly.com/blog/what-type-of-credit-card-user-are-you

Minimum Payers

These users try to get by without paying their full dues – they tend to only pay ‘the minimum amount. This habit makes them a favorite of credit card companies. Although they don’t make complete payments, they tend to get attracted by the offers and benefits of credit card users. These users end up paying high-interest rates eventually if they are unable to make full payments.

Defaulters

These payers use their credit cards to the hilt, but when it comes to paying dues, they disappear. The banks tag them as defaulters. Most times, these users do not realize that their behavior lowers their credit rating and are usually surprised when they are unable to get loans or credit on good terms from lending institutions.

Flaunters, but non-users

These people flaunt their cards, but will hardly use them. They have either faced some trouble with the terms and conditions of their credit cards or are just not interested in using them. Some ‘collect’ credit cards as status symbols, but don’t really need them.

So do you fit into any of the categories listed above? The first two and the last are relatively harmless, but if you are in the third category, it is time for you to change. Pay your bills on time and avoid credit card debt!

Balance transfer cards with a 0% introductory rate

Out of the four general types of credit cards available in the market, balance transfer cards are the best possible option that can help you cut down your interest rates. It also provides the benefit of switching your balance to another credit card that serves you better terms. Generally, banks charges you with an introductory Annual Percentage Rate on a term of minimum of 6 months up to 21 months as set by the federal government, which is charged on the amount of balance, transferred.

But, relax! Because of the heavy competition in the global market and the debt amount banks are now trying to lure or rather attract customers by giving away free introductory rates or 0% interest rates on their balance transfer cards. Different balance transfer card offers you appealing offers and tenures of about 12 to 18 months to make you easily pay off your debts.

However, you must check into the terms and conditions of each balance transfer card that are available to scrutinize for any additional interest rates that might be applicable for any other unlikely reasons. Know more about the free intro period balance transfer card.