MyLoanCare is a FREE of cost service for borrowers

Get Cashback of ₹ 100* on Credit Card

MyLoanCare Customer Ratings - 4.5/5.0

ICICI Credit Card

ICICI Credit Card Online

Last Updated 18th Jan 2021
Best ICICI Cards Interest Rate Annual Fee (₹)
Coral Card 3.40% 500
Rubyx Visa Credit Card 3.40% 3,000
Sapphiro Card 3.40% 6,500
HPCL Coral Card 3.40% 199
HPCL Platinum Card 3.40% 199
Platinum Chip Credit Card 3.40% NIL
MakeMyTrip Platinum Card 3.35% 500
Amazon Pay Credit Card 3.50% NIL
Emeralde Credit Card 1.99% 12,000
Apply for Credit Card

Best ICICI Credit Card Online

ICICI Bank Credit Cards Category Joining Fee Monthly Interest Charge
Amazon Pay Credit Card Shopping NIL 3.50%
Coral Card Lifestyle, Shopping ₹ 500 3.40%
Diamant Card Premium ₹ 1,25,000 3.40%
Emeralde Credit Card Cashback, Lifestyle ₹ 12,000 1.99%
HPCL Coral American Express Card Premium ₹ 500 3.40%
HPCL Coral Card Cashback, Fuel ₹ 199 3.40%
HPCL Platinum Card Cashback, Fuel ₹ 199 3.40%
Instant Platinum Card Low Fee ₹ 199 2.49%
MakeMyTrip Platinum Card Shopping, Travel and Airline ₹ 500 3.35%
MakeMyTrip Signature Card Travel and Airline ₹ 2,500 3.35%
Manchester United Platinum Card Sports ₹ 499 3.35%
Manchester United Signature Card Sports ₹ 2,499 3.35%
Platinum Chip Credit Card Low Fee, Rewards NIL 3.40%
Rubyx Visa Credit Card Lifestyle, Premium, Shopping ₹ 3,000 3.40%
Sapphiro Card Lifestyle, Premium, Shopping ₹ 6,500 3.40%
Unifare Metro Cards Travel and Airline ₹ 299 3.40%

Why choose ICICI Bank Credit Cards?

Being one of the largest private sector lender in the country, ICICI has a great assortment of credit cards that serve all needs of a customer. ICICI was also the first in the market to launch contactless credit cards, besides standing up to what it promises with its exclusive features, benefits, rewards and cashbacks.

ICICI Bank Credit Card Eligibility

In order to apply for ICICI Credit card offers one needs to meet the following eligibility criterias, as listed below:

Income: The minimum income of the applicant should be ₹ 12,000 for salaried employees and annual income after tax deduction should be ₹ 2.50 Lakh for self employed. Usually, ICICI Bank gives a credit limit of 2 to 3 times of the monthly income you earn. For salaried individuals, it is based on the net monthly salary and in case of self-employed individuals, it is based on the income declared in IT return filed for the last financial year. In case you have an existing credit card from ICICI Bank or from any other bank, then ICICI Bank will not check your income and your credit card eligibility will be checked based on existing credit card's transaction history.

CIBIL Score: Most banks, including ICICI Bank prefer a credit score of 700 and above before sanctioning a credit card as your credit history defines your repayment capacity. A lower score reduces your chance of getting credit card approval. A high credit score would allow you to get an easy approval on credit card. If you already have a credit card then ICICI Bank checks your existing credit card's transaction and payment history to ensure that you are capable to make repayments on time.

Existing Relationship with ICICI Bank: If you already have an account with ICICI Bank, you have a higher chance of getting a credit card and you can easily opt to apply for ICICI Bank credit card. The bank comes with special credit card offers for its existing bank holders which would mean higher credit limit, waiver or discount on joining fees and annual fees and special promotional offers as a joining pack. In addition, if you have been maintaining a good balance in your account consistently over the past few years, you are more likely to secure a higher credit limit on your card.

Age: Bank has different credit cards targeted at different age groups and income groups of borrowers. You can apply for a ICICI credit card online or from any ICICI Bank branch if you are at least 21 years old upto maximum age group of 58 years. However, the minimum age to get a ICICI Bank credit card online or from the bank varies by various schemes depending on the card you choose to apply for.

How to Apply ICICI Bank Credit Card?

If you are an existing customer you can apply for ICICI Bank Credit Card by visiting the nearest bank branch or can apply online by following the below-mentioned procedure:

  • Visit ICICI Bank official web portal and on the ICICI Bank Credit Card page, find the list of ICICI Bank credit cards on the top.
  • Now, choose a card as per your choice and click on the 'Check Eligibility' button.
  • You will now be redirected to the application page if you are eligible for the card.
  • Next, fill all the required fields and click on 'Submit'.
  • Finally, upload the essential documents and click on 'Submit.'
  • As you have successfully submitted all the documents and application, you will receive an acknowledgement message with the 'Application ID'. You can use the same ID to track your application status.

If you are a new customer, you can visit the bank branch or follow the below-mentioned procedure to apply for ICICI Bank Credit Cards:

  • Visit ICICI Bank official web portal and on the ICICI Bank Credit Card page, find the list of ICICI Bank credit cards on the top.
  • Now, enter your personal and contact details.
  • Next, the representative of the bank will contact you and guide you about the process of applying for ICICI Bank Credit Cards.

Top ICICI Bank Credit Cards

Coral Card: The Coral Card is high on rewards and benefits. It comes with annual bonus points and 50% more rewards on online spends. The ICICI Credit card offers the most exclusive lifestyle privileges and the instant approval facility.

Rubyx Visa Credit Card: The ICICI Rubyx Visa Credit Card is a dual platinum credit card. The card offers exclusive privileges on dining, entertainment, and travel. Card users can enjoy two complimentary golf rounds monthly and can enjoy access to two domestic railway and airplanes lounges on a quarterly basis. Further, on every foreign transaction, you earn 2X points.

Sapphiro Card: ICICI Sapphiro credit card provides the benefits of two accounts clubbed in one. The card offers welcome gift vouchers worth Rs 10,000 on shopping and travel brands. Also, the card users are awarded access to two international and two domestic airport lounges per year. Further, discount coupons on dining, across 2500+ restaurants in India, and on popular brands like BookMyShow.

HPCL Coral Card: ICICI Bank launched HPCL Coral Card in partnership with Hindustan Petroleum. The card offers plethora of benefits like fuel surcharge waiver for up to Rs 4000 at all Hindustan Petroleum fuel stations. Also, get 2.5% cashback on fuel transactions.

HPCL Platinum Card: ICICI Bank came up with HPCL Platinum Card in partnership with Hindustan Petroleum. The HPCL Platinum cardholder can save on 1% fuel surcharge and they get a cashback for up to Rs 100 at HPCL pumps month on month, year on year.

Platinum Chip Credit Card: The ICICI Bank Platinum Chip Credit Card offers you great value as a no-frills, and easy to manage the card. The card offers generous rewards, redeemable for exciting gifts and vouchers. Besides this, you also get to save through fuel surcharge waiver and a minimum of 15% savings on dining.

MakeMyTrip Platinum Card: This credit card is exclusively designed to meet the needs of avid travellers.Credit card users can avail unparalleled benefits on the expenses incurred for their travelling purposes.

Amazon Pay Credit Card: ICICI bank offers amazon pay credit card to the customers to add more to their lifestyle by providing affordable and exclusive offers on shopping at Amazon. Apart from that, one can also avail cashback up to 2% on 100+ Amazon Pay partner merchants.

Emeralde Credit Card: ICICI Emeralde credit card is a package of tons of benefits and rewards. It is specially designed for premium customers who love to travel, dine and shop. The card comes as an American Express and MasterCard Elite Credit Card.

Documents required for ICICI Bank Credit Card

The type of credit card documents required differ for new and existing card holders to apply for ICICI credit card. Existing credit card holders are those who already own a credit card either from ICICI Bank or from any other bank. In this case, income documents are not required.

Document Type For New Card Holders For Existing Card Holders
Identity Proof PAN card, Driving License, Voter ID card, Passport PAN card, Driving License, Voter ID card, Passport
Address Proof Bank statement, Rent agreement, Voter ID card, Ration card, Passport, Driving License, Postpaid Number Bank statement, Rent agreement, Voter ID card, Ration card, Passport, Driving License, Postpaid Number
Income Proof
  • In case of salaried Individual- Last 3 months salary slips, 6 months bank statement for salary account
  • In case of self-employed- Latest IT returns with computation of income or certified financial documents, Proof of business continuity
Not Required
Existing Card Proof Not Required Front copy of card, 1 latest statement within 15 days

How to check ICICI Credit Card Status?

The process of tracking the status of the ICICI credit card application is simple and can be done through online and offline modes. You can follow the credit card application once you have received the confirmation SMS post acknowledging your credit card application.

Track the Status of ICICI Credit Card Online

  • To check the status of ICICI credit card applications online, you need to visit the official website of ICICI bank.
  • After visiting the website, find the 'Track your Credit Card Application Status' option under the Credit Card tab and fill required information such as the Date of Birth, Application Reference Number, Application Form Number and Mobile Number.

Track the Status of ICICI Credit Card Offline

ICICI credit card application can also be tracked offline by calling the 24*7 customer care number and by visiting the nearest ICICI Bank branch. You need to provide an application reference number and application form number to know the status of your credit card application.

FAQs

How will I know my ICICI Credit Card bill?

You can check your bill for ICICI credit card online easily through net banking by following some simple steps:

Step 1: Login with your user ID and password

Step 2: Click 'Credit Cards' from the left navigation menu

Step 3: Click on the credit card number to view and download the credit card bill.

Which is the best ICICI Credit Card?

ICICI credit card comes with a range of offers and benefits for its customers. However, the best ICICI Credit Cards are Instant Platinum Card and Platinum Chip Credit Card with NIL joining fee and no annual fees for lifetime. These cards also come with many attractive offers and schemes for the users with attractive cashbacks and discounts making them one of the most sought-after cards in India.

What is the eligibility of taking ICICI Credit Card?

ICICI Bank will check if a customer is eligible or not as per the bank's pre-defined eligibility criteria before giving the credit card. Net take home salary is the basic eligibility criteria for getting ICICI credit card, salaried applicants must have a minimum monthly salary of Rs. 20,000, while self-employed applicants should have a minimum annual income of Rs. 3 lakhs.

How can I be updated on the latest offers and privileges?

You may update your registered email ID and your contact details on our website myloancare.in to receive updates on latest offers and privileges offered on ICICI Bank Credit Card within no time. MyLoanCare.in also sends alerts to its customers on new offers and credit cards schemes.

What is ICICI Bank Credit Cards Experience?

ICICI Bank Credit Cards Experience is a Rewards Program offered by ICICI Bank. This programme is exclusively designed for selected ICICI Bank Credit Card members to ensure each moment of their life becomes a memorable experience for them. This program gives the option to earn reward points on entertainment, assurance and travel services.

What is the minimum salary for ICICI Bank credit card?

The minimum salary required is Rs. 12,000 per month. Thus individuals with the eligible salary can go for ICICI credit card apply.

Which ICICI Bank credit card is free annual fee?

The cards with no annual fee are; Instant Platinum Card, and Platinum Chip Credit Card.

What is ICICI Bank credit card charges?

Some of the important ICICI Bank credit card charges that you should know are;

  • Foreign Transaction Fee - 3.5%
  • Card replacement fee - Rs. 100 (Rs. 199 for Bank
  • Expressions Credit Card)
  • Cash payment charge - Rs. 100
  • Late payment charges - Rs. 100 to 750
  • Cash advance fee - 2.5% of transaction (minimum Rs. 300)
  • Over limit fee - 2.5% of over limit amount (minimum Rs. 500).


Credit Card Reviews 3.5/5  by 1 customers
MyLoanCare Service
4/5.0
Banks Service
3/5.0
Apurv , Gandhinagar
Reviewed on 29th May 2019
3.5 / 5 stars
ICICI Bank Credit Card Availed in Nov 2018

It was great. Excellent customer service.
Quick responseRead more...

Notification ×
  • Home Loan

    Home Loan starting at 7.45%. Cashback of up to ₹ 1,000 plus Free COVID Insurance of ₹ 1 lakh.

    Apply Now
  • Personal Loan

    Instant Personal Loan with Cashback of up to ₹ 1,000 or Free Corona Insurance Cover of up to ₹ 5 Lakhs.

    Check Offers
  • Fixed Deposit

    AAA rated FDs with returns as high as 6.95%.

    Invest Now
  • Demat Account

    Open Instant Demat Account and Get Cashback of ₹ 500*. *T&C Apply

    Apply Now
  • DBS Savings Account

    Open Account Online and Cashback of up to ₹ 4,800.

    Open Account
  • Gold Loan

    Instant Gold Loan starting at 10.00% with Cashback of up to ₹ 500 or Free Corona Health Cover of upto ₹ 1 Lakh.

    Apply Now
  • Loan Against Property

    Best Loan Against Property Offers starting @ 8.90%. Cashback of up to ₹ 1,000*.

    Apply Now
  • Credit Card

    Get amazing offers, discounts and welcome gift vouchers on SBI Credit Cards.

    Apply Now
ICICI Bank Credit Card News - Jan 2021
  • 2021-01-18 : ICICI Bank launched new year campaign
    ICICI Bank introduced iDelights New Year Bonanza. It is a new year campaign which offers several benefits brands and e-commerce platforms. It is a customised bouquet of offers for its customers to celebrate the beginning of 2021.
  • 2020-12-08 : ICICI Bank launched interoperable banking app
    ICICI Bank launched a new version of its mobile payment app which is interoperable and allows payments and other banking services to customers of any other bank. The new app will allow customers to link their bank accounts, generate a UPI ID and avail services such as online transactions, opening savings accounts, making investments, applying for loans and credit cards without being an ICICI Bank account holder.
  • 2020-11-25 : ICICI Bank launches Cardless EMI facility
    The bank has launched a fully automated, cardless EMI facility for retail stores in collaboration with PineLabs. Instead of wallet or cards, this Cardless EMI helps consumers to purchase any commodity such as electronics, home appliances only by using their cell phone and PAN.
  • 2020-11-06 : ICICI Bank introduced banking stack for millennial customers
    ICICI Bank launched a comprehensive banking programme known as ICICI Bank Mine ICICI Bank Mine, for millennial customers, in the age bracket of 18 years to 35 years called. It offers an instant savings account, a feature-driven iMobile application that offers investment guidance and curated credit and debit card. In addition to this, it is will also offer instant personal loans and overdrafts, and an experiential branch with social engagement space.
  • 2020-11-03 : New charges and fees by ICICI Bank
    Effective November 1, 2020, ICICI Bank will charge Rs 50 as a convenience fee on its customers for every such transaction done on bank holidays and between 6:00 pm and 8:00 am on working days. Further, The bank will charge a convenience fee if the cash deposit in the cash acceptor/recycler machines exceeds Rs 10,000 per month either as a single transaction or multiple transactions.
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. Read More
Loader
Please wait while your information is being processed...