ICICI Credit Card

Last Updated 16th Dec 2018

ICICI Bank Card Online

Polpular ICICI Cards Interest Rate Annual Fee
Platinum Chip Credit Card 2.95% NIL
Coral Card 3.40% Rs. 500
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Compare ICICI Bank Credit Cards Online, Best ICICI Credit Cards

ICICI Bank Credit Cards Category Joining Fee Monthly Interest Charge
Coral Card Premium Rs. 500 3.40%
Diamant Card Premium Rs. 125,000 3.40%
Ferrari Platinum Credit Card Lifestyle, Travel and Airline Rs. 499 3.40%
Ferrari Signature Credit Card Lifestyle Rs. 3,999 3.40%
HPCL Coral American Express Card Premium Rs. 500 3.40%
HPCL Coral Card Cashback, Fuel Rs. 199 3.40%
HPCL Platinum Card Cashback, Fuel Rs. 199 3.40%
Instant Platinum Card Low Fee NIL 2.49%
JET Airways Coral Card Rewards, Travel and Airline Rs. 1,250 3.40%
JET Airways Rubyx Card Rewards, Travel and Airline Rs. 2,500 3.50%
JET Airways Sapphiro Card Travel and Airline Rs. 5,000 3.50%
Platinum Chip Credit Card Low Fee NIL 2.95%
Rubyx Visa Credit Card Premium Rs. 3,000 3.40%
Sapphiro Card Premium Rs. 6,500 3.40%
Unifare Metro Cards Travel and Airline Rs. 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.

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. Coral Card is powered by most exclusive lifestyle privileges and enjoys the instant approval facility.

Platinum Chip Credit Card: The ICICI Bank Platinum Chip Credit Card offers you great value as a no-frills, and easy to manage card. The cardoffers 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.

ICICI Bank Credit Card Eligibility

Income: The minimum income of the applicant should be Rs. 12,000 for salaried employees and annual income after tax deduction should be Rs. 250,000 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 for you. 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. ICICI Bank comes with special credit card schemes 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 credit card from ICICI Bank if you are at least 21 years old upto maximum age group of 58 years. However, the minimum age to get a credit card from ICICI Bank varies by various schemes depending on the card your choose to apply for.

Documents required for ICICI Bank credit card

The type of documents required differ for new and existing card holders. 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

Frequently Asked Questions

Which ICICI Bank credit cards are best for people who frequently travel abroad?

ICICI Bank offers many travel cards which are attractive from the point of foreign exchange services, airport lounge services and booking tickets. These are Ferrari Platinum Credit Card, JET Airways Coral Card, JET Airways Rubyx Card, JET Airways Sapphiro Card, Unifare Metro Cards.

Which credit cards of ICICI Bank offer the most rewards and cashbacks?

HPCL Coral Card, HPCL Platinum Card, JET Airways Coral Card, JET Airways Rubyx Card are the popular cashback and reward cards. These cards also offer fuel surcharge waivers

What are lifestyle cards? Which are ICICI Bank’s lifestyle cards?

Lifestyle card 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. ICICI Bank offers Ferrari Platinum Credit Card, Ferrari Signature Credit Card as premium lifestyle cards with features exclusive airport lounge access, discounts, frequent flyer benefits and many other lifestyle related rewards.

What happens if I do not make my ICICI Bank credit card payment on time?

If you do not make your ICICI Bank credit card payment on or before due date, then ICICI Bank levies an interest charge of 2.49% to 3.50% on your credit card which has to be paid by you along with the due amount. All the transactions made by you in the credit card period appears in your ICICI credit card statement.

Credit Card News - Dec 2018
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