Sapphiro Debit Card. Presenting “ICICI Bank Sapphiro Debit Card” on RuPay platform designed to deliver superior value through its on-going benefits like built in concierge service, spa benefits, card protection plan and road-side assistance programme. This card comes with unparalleled features and privileges for our customers. But when you shop online how do you make the payment? Is it cash on delivery or card? And if card, is it debit card or credit? If your answer is debit card, you need to stop doing so now. Ideally, you should NEVER use a debit card to make purchases on the web. No, it's not that the online shopping is not safe. It is safe. Your debit card makes it easy to use your checking account, and debit cards are accepted almost everywhere credit cards are accepted. But, if you have the option to use a credit card, it’s probably safer to use credit—especially when shopping online.