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ICICI Credit Card

Best ICICI Credit Card

Last Updated 20th Oct 2021
Best ICICI Cards Interest Rate Annual Fee (₹)
Coral Card 3.40% NIL
Rubyx Visa Credit Card 3.40% 2,000
HPCL Platinum Card 3.40% NIL
Platinum Chip Credit Card 3.40% NIL
MakeMyTrip Platinum Card 3.35% 250
Amazon Pay Credit Card 3.50% NIL
Emeralde Credit Card 1.99% 12,000
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Top Credit Cards Offered by ICICI Bank

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 ₹ 1,25,000 3.40%
Emeralde Credit Card Cashback ₹ 12,000 1.99%
HPCL Platinum Card Cashback, Fuel ₹ 199 3.40%

ICICI Bank Credit Card

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 of making 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 account holders 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.

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

ICICI Bank Credit Card Benefits and Features

ICICI Bank credit card features are:-

  • Get up to 10,000 PAYBACK points every anniversary year
  • Special offers at restaurants in some of the most exciting cities around the world
  • Earn up to 15,000 PAYBACK points every anniversary year
  • Get up to 20,000 PAYBACK points every anniversary year
  • Redeem 2000 payback points for fuel worth ₹500.
ICICI Bank credit card benefits are:-

  • Minimum 15% savings on dining bills at over 2500+ restaurants
  • Save a minimum 15% of dining bill at participating restaurants under ICICI Bank Culinary Treats programme
  • Minimum 15% savings on dining bills at over 2,500+ restaurants across India
  • Save 2.5% on fuel surcharge upto a spend of ₹ 4,000 on HPCL pumps
  • Save upto 15% on dining from 800 restaurants

Types of Credit Card in ICICI Bank

ICICI Bank Credit Card With No Annual Fees

NO FRILLS CARD

Pay negligible or zero joining fees and enjoy the convenience of spending on the credit cards without any add on benefits.

Cards Name Joining Fee (₹) Annual Fee (₹)
ICICI Bank Platinum Chip Credit Card 0 0

ICICI Bank Shopping Cards

GET SMART WITH YOUR SPENDS

Receive attractive cash back or reward points, every time you spend a certain amount on pre-specified categories on the card.

Cards Name Joining Fee (₹) Annual Fee (₹)
ICICI Bank Amazon Pay Credit Card 0 0
ICICI Bank Coral Card 500 0
ICICI Bank MakeMyTrip Platinum Card 500 250
ICICI Bank Rubyx Visa Credit Card 3000 2000

ICICI Bank Travel Cards

TRAVEL WITH COMFORT

Get ease and convenience of travel if you are a regular and a frequent airline business traveler in India and to international destinations.

Cards Name Joining Fee (₹) Annual Fee (₹)
ICICI Bank MakeMyTrip Platinum Card 500 250
ICICI Bank MakeMyTrip Signature Card 2499 2499

ICICI Bank Fuel Cards

REDUCE THE COST OF YOUR RIDE

Use as a payment card for purchase of gasoline, diesel, and other fuels at gas stations, for vehicle maintenance and repairing and receive attractive cash back offers on your fuel bills.

Cards Name Joining Fee (₹) Annual Fee (₹)
ICICI Bank HPCL Platinum Card 199 0

ICICI Bank Reward Cards

GET REWARDS FOR SPENDING

Receive reward points, every time you spend on pre-specified categories on the card. Get attractive gift vouchers and discount coupons available on accumulated reward points.
Rewards cards are similar to cash back credit cards, but instead of receiving cash when you spend you gain reward points which can be converted into vouchers spendable at a large range of retailers.

Cards Name Joining Fee (₹) Annual Fee (₹)
ICICI Bank Platinum Chip Credit Card 0 0

ICICI Bank Lifestyle Cards Cards

LIVE A DREAM LIFESTYLE

Offers host of upgrades, services and benefits for those who frequently prefer to go on holidays with family/friends and enjoy a luxurious and personalized travel and stay experience.

Cards Name Joining Fee (₹) Annual Fee (₹)
ICICI Bank Coral Card 500 0
ICICI Bank Rubyx Visa Credit Card 3000 2000

How to Apply ICICI Bank Credit Card Online?

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:

ICICI Bank Credit Card Apply Online:-

  • 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.

How to Increase ICICI Bank Credit Card Limits?

There are two different ways through which you can revise credit card limits:-

  • Pre-approved credit limit offer
  • Credit limit increase on request

Pre-Approved Credit Limit Offer: This offer is given to those ICICI Bank customers who pay their dues on time. The ICICI Bank bank will SMS or email about this scheme and they can also find it in their monthly statement. To accept the offer you can visit the official website of ICICI Bank bank or call customer care number.

Credit Limit Increase on Request: You can directly apply for enhancement with ICICI Bank bank. The bank will check the eligibility and if you are eligible then your application will be processed. You will have to submit last two months salary slips, Form 16 and ITR to the bank.

How to Generate ICICI Bank Credit Card PIN?

ICICI Bank credit card pin generation can be done by performing the following steps:-

  • Pin can be generated at an ATM
  • Pin can be generated through net banking
  • Or calling a customer care number

How to Earn and Redeem Reward Points in ICICI Bank Card?

ICICI Bank reward points are earned on every purchase made using a credit card except, E-Wallet loading transactions, cash withdrawal, balance transfer and disputed transactions. Also, reward points depend on card to card.

Reward points can be redeemed through:-

  • Visiting official website
  • Mobile App of ICICI Bank
  • Calling customer care number

How to Check ICICI Bank Credit Card Status?

The process of tracking the status of the ICICI Bank credit card application is simple and can be done through online and offline modes. Track the Status of ICICI Bank Credit Card Online by visting the official webiste of ICICI Bank Bank.

You can track the Status of ICICI Bank Credit Card Offline by calling the 24*7 customer care number and by visiting the nearest ICICI Bank Bank branch.

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.You can avail Instant Platinum card at a joining fee of ₹199, whereas the Platinum Chip credit card does not have any fees.

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).


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ICICI Credit Card News - Oct 2021
  • 2021-10-20 : Avail Discount Using ICICI Bank Card
    ICICI Bank customers can avail discounts on flight tickets on Yatra.com. This offer can be redeemed by a credit card and debit card user till December 31, 2021. The lender is offering flat 12% on flight tickets.
  • 2021-10-07 : ICICI Bank Has Launched Contactless Payment System
    ICICI Bank has launched a contactless payment system through its banking app- iMobile. This new system will enable tap their smartphones to pay at POS (Point of Sale) machines of merchant outlets.
  • 2021-07-14 : Amazon Pay ICICI Bank credit card issuance crosses 20 lakh mark
    ICICI Bank and Amazon Pay announced that the lender had crossed the 20 lakh mark for issuing ‘Amazon Pay ICICI Bank’ credit cards, becoming the first co-branded card to achieve this feat.
  • 2021-05-25 : ICICI Bank launches facility to link UPI ID with digital wallet
    ICICI Bank launched a facility for linking a UPI ID with its digital wallet. This initiative enables users to undertake small-value daily transactions directly from their Pockets wallet using UPI in a safe and secure manner.
  • 2021-03-04 : 10 lakh customers of other bank are using ICICI’s banking app, iMobile Pay
    ICICI Bank reported that 10 lakh customers of other banks have started using its app, ‘iMobile Pay’. The Bank has achieved the feat in three months after it made the app open for all to use, including those not its customers. The bank anticipates that the number is likely to double in two months.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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