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ICICI Bank Credit Card Eligibility

ICICI Credit Card Eligibility Criteria

Last Updated 20th Jan 2022

Basic eligibility factors for ICICI Bank credit card are:

Minimum Age21 years
Minimum Income₹ 12,000
Minimum Credit Score650
ITR Months12 months for self employed
ITR Amount₹ 2,50,000 for self employed
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Check Eligibility Criteria for ICICI Credit Card

ICICI offers a number of credit cards that offer a number of benefits to the cardholders such as reward points, high credit limit, and interest rates amongst others. However, in order to avail the best out of ICICI credit card, one is required to fulfil the below-mentioned eligibility factors. These are listed as follows:

Age: The age of the applicant is an important factor to avail ICICI credit card. The age, however, varies across occupation. Salaried applicants are required to have a minimum age of 21 years. However, self-employed applicants must fulfil the minimum age criteria of 23 years to get ICICI credit card.

Income: In order to avail of any of the ICICI credit card, you are required to have a regular source of income with a minimum income requirement of ₹ 12,000. The higher the benefit, the larger is the income requirement.

Credit Score: An applicant must have a good credit score to get a credit card. The credit score required for ICICI credit card is 650 and above with no defaults in payments.

ITR: Putting forth the ITR of a self-employed individual is required to avail ICICI credit card. Different credit card lenders ask for ITR documents for certain months. ICICI requires one to have a minimum ITR of 12 months. In addition to the number of months, one is required to have filled a minimum ITR of ₹ 2,50,000.

Documentation: To get a credit card from ICICI, an applicant must provide the required documents such as age proof, address proof and income proof. However, the documentation may vary if you are an existing customer of the bank.

ICICI Credit Card Eligibility Criteria for New Applicants

The eligibility requirements for ICICI credit card for new applicants varies across the applicant’s occupations. Thereby the ICICI credit card eligibility differs across salary and self-employed applicants.

Eligibility Criteria For Salaried Employees

ICICI credit card eligibility factors for salaried employees are listed as follows:

Minimum Age21 years
Maximum Age58 years
Minimum Banking Months6 months

Eligibility Criteria for Self Employed

ICICI credit card eligibility factors for self-employed applicants is:

Minimum Age23 years
Maximum Age58 years
ITR months12 months
ITR Amount₹ 2,50,000
Minimum Banking Months6 months

Salary Required For Different Credit Card of ICICI

ICICI offers several credit cards to fulfil varying needs across different categories such as lifestyle, travel, fuel, and shopping amongst others. All ICICI credit card, however, can be availed with varying parameters of salary, as listed below:

Credit cardMinimum Salary
Coral Card ₹ 15,000
Emeralde Credit Card ₹ 15,000
MakeMyTrip Platinum Card ₹ 15,000
MakeMyTrip Signature Card ₹ 15,000
Manchester United Platinum Card ₹ 15,000
Manchester United Signature Card ₹ 15,000
Platinum Chip Credit Card ₹ 15,000
Rubyx Visa Credit Card ₹ 15,000

Factors Affecting ICICI Credit Card Eligibility

There are a number of factors that affect ICICI credit card eligibility. These are explained as follows:

Applicant’s credit score: A credit score is a mirror of a person’s financial worth or creditworthiness.‭ ‬Thereby, the lower the score‭ , the ‬lesser is the reliability factor on an applicant.‭ ‬ICICI credit card with higher facilities requires a high credit score to avail ICICI credit card to maintain a minimum credit score of 650.

Age: The age of the applicant is an essential factor for ICICI credit card. The card can be availed only within the prescribed age limit of an individual ranging between 21 to 58 years.

Applicant’s current organization: Current organization is an important factor in consideration for salaried employees. Similar to other credit card lenders, ICICI also have various organizations shortlisted as the trusted companies. Thereby, any applicant working in the reputed, trusted company applies for a ICICI credit card, then the chances of getting a card are easy.

Existing customer relationship: Existing ICICI customers have an easy chance to get ICICI credit card. However, this is possible only when the bank is assured of your financial ability based on criteria such as minimum account balance maintained or the repayment of EMIs. Banks usually keep low-income criteria for existing customers.


Who is eligible for an ICICI credit card?

You can avail the ICICI credit card if you fall between the age bracket of 21 to 58 years. Apart from that, if you are salaried, you need to earn a minimum salary of ₹ 12,000 per month, whereas self-employed individuals are required to earn a minimum of ₹ 2,50,000.

What is the maximum limit of an ICICI credit card?

The maximum limit for ICICI credit card depends on the cardholder’s income and the timely repayment of dues. Apart from that ICICI credit card offers an interest rate of 1.99% on non-repayment of bills on time.

What is the minimum salary required for an ICICI credit card?

The minimum salary required for a ICICI credit card varies across the applicants’ occupation, thereby the salary bar is different for salaried, self-employed and businessman. For salaried, the minimum requirement is ₹ 12,000 and for the non-salaried category, it is ₹ 2,50,000.

What is the minimum credit score for ICICI credit Card?

A good credit score is indicative of one’s financial credibility, thereby one must hold a good credit score. ICICI credit card requires one to have a minimum credit score of 650.

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*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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