Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
ICICI Bank Sapphiro Credit Card Scan & Pay Merchant UPI Rewards Calculator
Calculate ICICI Bank Sapphiro Credit Card cashback on Scan & Pay Merchant UPI. At 0.5% reward rate, earn up to ₹3,000 net value at ₹50,000/mo spend. Check monthly cap saturation and fee waiver rules.
Interactive Category Calculator
Estimate Scan & Pay Merchant UPI Rewards
Simulate monthly spends to check cashback caps, 0% exclusion traps, and competitor switches.
₹30,000
₹1,000/mo₹50,000/mo₹1,00,000/mo
Monthly Cashback₹1500.5% effective rate
Annual Projected Cashback₹1,800on ₹3,60,000/yr spend
Monthly Cap SaturationUncappedNo ceiling
Spend Tier Simulations for Scan & Pay Merchant UPI
| Monthly Spend | Annual Spend | Monthly Cashback | Annual Cashback | Effective Fee | Net Annual Benefit |
|---|---|---|---|---|---|
| ₹15,000 | ₹1,80,000 | ₹75 | ₹900 | ₹4,130 | +-₹3,230 |
| ₹30,000 | ₹3,60,000 | ₹150 | ₹1,800 | ₹4,130 | +-₹2,330 |
| ₹50,000 | ₹6,00,000 | ₹250 | ₹3,000 | ₹0 | +₹3,000 |
| ₹75,000 | ₹9,00,000 | ₹375 | ₹4,500 | ₹0 | +₹4,500 |
| ₹1,00,000 | ₹12,00,000 | ₹500 | ₹6,000 | ₹0 | +₹6,000 |
| ₹1,50,000 | ₹18,00,000 | ₹750 | ₹9,000 | ₹0 | +₹9,000 |
| ₹2,00,000 | ₹24,00,000 | ₹1,000 | ₹12,000 | ₹0 | +₹12,000 |
Frequently Asked Questions
What reward rate does ICICI Bank Sapphiro Credit Card earn on Scan & Pay Merchant UPI?▼
ICICI Bank Sapphiro Credit Card earns an effective reward rate of 0.5% on Scan & Pay Merchant UPI.
What is the monthly cap for Scan & Pay Merchant UPI on ICICI Bank Sapphiro Credit Card?▼
ICICI Bank Sapphiro Credit Card provides uncapped rewards on Scan & Pay Merchant UPI.
Which alternative card is best for Scan & Pay Merchant UPI?▼
The #1 recommended alternative is Axis Bank Atlas Credit Card, offering a 4.0% reward rate delivering ₹18,100 net annual value at ₹50,000/month spend.
How much cashback do I lose at ₹50,000 monthly spend with ICICI Bank Sapphiro Credit Card?▼
At ₹50,000/month, all rewards are fully credited without hitting monthly caps.