ICICI Bank Credit Card

ICICI Bank offers a diverse range of credit cards. They are designed to meet different financial needs. Today, they're India’s top credit card issuers with over 10 million cards in circulation.

ICICI Bank Credit Card benefits you with reward points, cashback, fuel waivers & other travel perks. Also, provide complimentary airport lounge access. ICICI Bank credit cards are customized for specific user groups, including frequent travellers, online shoppers, and those looking for lifestyle rewards.

ICICI Top Credit Cards like the ICICI Coral Credit Card & ICICI Amazon Pay Credit Card offer benefit you with minimal fees. Here, know more about ICICI Bank credit cards their key features, eligibility requirements, and more. Save on everyday purchases while availing of premium advantage.

Table of Contents:

• ⇾ Best ICICI Bank Credit Cards in India
• ⇾ ICICI Bank Credit Card Eligibility
• ⇾ Documents Required to Apply For ICICI Bank Credit Card
• ⇾ Other Types of ICICI Credit Cards In India
• ⇾ Features & Benefits of ICICI Bank Credit Cards
• ⇾ Understanding ICICI Credit Card
• ⇾ Limitations of ICICI Bank Credit Card
• ⇾ How to Apply for ICICI Credit Card
• ⇾ Frequently Asked Questions

Best ICICI Bank Credit Cards in India

Here is what ICICI Bank's Top credit cards categorized with annual fees.

Note: The above values are subject to change with change in economy and bank policies & stakes. Please refer to the respective resource for updated information

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ICICI Emeralde Credit Card

This card offers luxurious travel perks, including unlimited access to airport lounges worldwide and spa access, and complimentary travel insurance. It also provides exclusive discounts at luxury hotels and restaurants.
Rewards: Shopping vouchers worth ₹5000 from TATA CliQ, complimentary rounds of golf, movies and events.
Perks: ₹0/- cancellation charges on travel and hotel bookings

ICICI Sapphiro Credit Card

Cardholders enjoy domestic and international lounge access, complimentary golf games, and extensive travel insurance. Additionally, the card offers reward points on all transactions and discounts on travel bookings, such as,

Rewards: Re-imburse your joining fee with a welcome voucher worth ₹9000/- + Fuel surcharges for savings, and gain reward points on every every ₹100/- spent.

Perks: Enjoy your movie mania with ₹500/- off on second ticket (twice a month)

ICICI Rubyx Credit Card

The Rubyx card provides multiple lifestyle benefits, including movie ticket discounts, dining rewards, and access to airport lounges. It also offers a range of insurance covers and reward points on everyday spending

Rewards: On every ₹100 spent gain reward points on domestic, international and utilities & Insurance spends.

Perks: Gain vouchers worth ₹5000 on joining and additional discounts up to ₹150 on BookMyshow and Inox

ICICI Coral Credit Card

Aimed at entry-level users, this card provides dining discounts at partnered restaurants, movie ticket offers, and a fuel surcharge waiver. It also features a loyalty rewards program for additional points on spends

Rewards: More points then more security as every transaction becomes safer and easier, get up to ₹100 off on movie on 2 tickets.

Perks: complete fee waiver on spending over ₹1,36,000 in the year before acclaiming rewards.

Amazon Pay ICICI Bank Credit Card

It is one of the all time accessible credit cards that is co-branded & offers cashback rewards on Amazon purchases, which are credited as Amazon Pay balance. It also provides rewards on other online shopping and utility bill payments

Rewards: You get exclusive privileges like fuel charge waivers along with Amazon Pay Card

Perks: Get 3% cashback on your spends and 1% on spends like dining, shopping, insurance payments and travel.

MakeMyTrip ICICI Bank Credit Card

Ideal for frequent travelers booking through MakeMyTrip, this card allows users to earn unlimited reward points on travel bookings. You can avail a waiver on the annual fee upon reaching a certain spending threshold, along with other travel-related perks of 8 complimentary lounge accesses and an additional lounge access every year.

Rewards: Make the unlimited myCash rewards all yours on 2 networks Mastercard and Rupay.

ICICI Bank Credit Card Eligibility

Here are the eligibility criteria for applying for a Credit Card, rephrased in point form:

Age: 18 to 60 years

Annual Salary: Typically, a net annual income of ₹2.5 lakh is required to qualify for a Credit Card, although some banks have stricter income requirements.

Nationality:

• Both domestic and foreign banks offer Credit Cards in India.
• Citizens, residents, and non-residents can apply, but certain banks may restrict Credit Card issuance to Indian nationals only.
• It is important to verify specific bank eligibility requirements before applying.

Documents Required to Apply For ICICI Bank Credit Card

Here are some of the documents Required for a Credit Card:

1. KYC Documents: Aadhaar Card, Voter ID, Passport, Driving License, etc.
2. PAN Card: Or Form 60 if the PAN Card is not available.
3. Income Proof: Salary slips, Form 16, or ITR records.
4. Bank Statements: Last six months’ bank statements.

If you have a low credit score or lack income proof, you can still apply for an ICICI Bank Instant Platinum Credit Card or ICICI Bank Coral Credit Card by meeting the following criteria:

1. Active Fixed Deposit: You must have an active Fixed Deposit with ICICI Bank, which will act as collateral for the credit card.
2. Minimum Balance: The Fixed Deposit should have at least ₹50,000.
3. Tenure Requirement: The Fixed Deposit must have been active for at least 180 days.

Other Types of ICICI Credit Cards In India

Here’s a more detailed explanation of each ICICI Bank Credit Card, highlighting their key features and specialities:

1. ICICI Bank Coral Credit Card

Speciality : Ideal for everyday spending.

Features: Offers 2X reward points on grocery and dining purchases, discounts on movie tickets through BookMyShow, and complimentary access to airport lounges. Provides dining privileges with Culinary Treats.

Annual Fee: ₹500 (reversible on spending ₹1.5 lakh annually).

2. Amazon Pay ICICI Credit Card

Speciality: Best for frequent Amazon shoppers.

Features: Earn up to 5% cashback on Amazon purchases for Prime members and 3% for non-Prime members. Get 1% cashback on other spends with no joining or annual fees. Cashback is auto-credited to your Amazon Pay balance.

Annual Fee: No fees.

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3. HPCL Super Saver Credit Card

Speciality: Excellent for fuel savings at HPCL stations.

Features: Get 5% cashback on fuel purchases at HPCL pumps, 5% cashback on utility bills, and 2.5% cashback on groceries and dining. Earn reward points on all other purchases.

Annual Fee: ₹500 (waived on spending ₹1.5 lakh annually).

4. Rubyx Credit Card

Speciality : Premium card with lifestyle rewards.

Features: Earn 2X rewards on international and dining transactions. Complimentary airport lounge access, movie discounts, and golf privileges. Dual rewards program offering points on domestic and international spending.

Annual Fee: ₹3,000.

5. ICICI Platinum Chip Credit Card

Speciality: Simple, secure, and no-frills card.

Features: EMV chip technology for secure transactions, no annual fee, and reward points on every transaction. Offers dining discounts and fuel surcharge waivers.

Annual Fee: Free for life.

6. MakeMyTrip ICICI Bank Platinum Credit Card

Speciality : Designed for travelers using MakeMyTrip.

Features: Earn My Cash on every spend, redeemable on MakeMyTrip for flight and hotel bookings. Get discounts on international and domestic flights, hotels, and holiday packages, plus access to exclusive travel deals.

Annual Fee: ₹500 (waived on spending ₹2 lakh annually).

7. Manchester United Signature Credit Card

Speciality: Perfect for Manchester United fans.

Features: Earn reward points on every transaction, discounts on Manchester United merchandise, and opportunities for VIP match tickets. Enjoy dining offers, airport lounge access, and special privileges for Manchester United enthusiasts.

Annual Fee: ₹2,499.

8. Chennai Super Kings Credit Card

Speciality : Specially made for Chennai Super Kings cricket fans.

Features: Earn exclusive rewards and discounts on CSK merchandise, priority access to match tickets, and other fan-centric perks. Includes standard benefits like reward points, dining discounts, and lounge access.

Annual Fee: ₹500.

9. Emirates ICICI Bank Credit Card

Speciality : Designed for frequent Emirates flyers.

Features: Earn Skywards miles on Emirates flights, hotel stays, and everyday purchases. Complimentary airport lounge access, priority check-in, and extra baggage allowance for Emirates travellers.

Annual Fee: ₹10,000.

10. Fuel Payment HPCL Credit Cards

Speciality : Best for fuel purchases at HPCL stations.

Features: Get cashback and reward points on fuel transactions at HPCL outlets. Enjoy benefits such as fuel surcharge waivers and special offers on fuel expenses.

Annual Fee: ₹199 (waived on spending ₹50,000 annually).

11. ICICI Bank Card Variant (Accelero Credit Card):

Speciality : Great for automobile enthusiasts.

Features: Earn rewards on fuel purchases, vehicle maintenance, and car accessories. Cashback on auto-related spending and savings on fuel purchases.

Annual Fee: Varies by card type.

12. Travel Expressions Credit Card:

Speciality : Customizable card for travel enthusiasts.

Features: Offers reward points on travel bookings, dining, and more. Get complimentary lounge access and personalize your card design. Special travel offers and discounts.

Annual Fee: ₹500.

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Features & Benefits of ICICI Bank Credit Cards

Here’s a detailed overview of the common features and benefits of ICICI Credit Cards:

1. Rewards Program: Earn points on purchases in categories like shopping, dining, travel, and utilities, redeemable for discounts or vouchers.
2. Cashback Offers: Cards like the Amazon Pay ICICI Card provide cashback on specific purchases, including fuel and groceries and dining.
3. Travel Benefits: Enjoy complimentary access to airport lounges and travel perks, including rewards on flight bookings with cards like the Emirates ICICI Credit Card.
4. Fuel Surcharge Waiver: Cards like the HPCL Super Saver waive fuel surcharges, saving you money at the pump.
5. Dining Discounts: Get exclusive dining discounts at partnered restaurants through the Culinary Treats program.
6. EMI Conversion: Convert large purchases into easy monthly installments (EMIs).
7. Contactless Payments: Use contactless payment for quick and secure transactions.
8. Insurance Coverage: Includes coverage for accidental death and purchase protection.
9. Zero Lost Card Liability: Report a lost card to avoid liability for unauthorized transactions.
10. Customized Card Designs: Personalize your card design with options like the Expressions Credit Card.
11. Global Acceptance: Widely accepted for domestic and international transactions.
12. Balance Transfer Facility: Transfer balances from other cards at lower interest rates.
13. No Annual Fees on Select Cards: Some cards, like the Amazon Pay ICICI Card, have no annual fees.
14. Easy Management: Access card management through ICICI’s online banking portal and mobile app.

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Understanding ICICI Credit Card

ICICI Credit Cards offer a wide range of functionalities designed to meet the financial needs of cardholders, from earning rewards and managing debt to making payments and securing insurance benefits. Understanding these features can help you use your card effectively and get the most out of your financial transactions.

Here's a breakdown of their key functionalities:

1. Credit Limit:
   Every ICICI Credit Card comes with a pre-determined credit limit based on your income, credit history, and eligibility. This limit represents the maximum amount you can spend using the card.
2. Interest-Free Period:
   ICICI offers an interest-free period of up to 48-50 days on purchases if you clear the full outstanding balance by the due date. No interest is charged within this period.
3. Interest Rates:
   If you do not pay the full outstanding amount by the due date, interest will be charged on the unpaid balance. The interest rate can vary from 2.5% to 3.6% per month, depending on the card and usage.
4. Reward Points and Cashback:
   Every eligible transaction made with ICICI Credit Cards earns reward points or cashback, depending on the card. These can be redeemed for discounts, vouchers, or other benefits through the ICICI rewards catalog or specific platforms like Amazon Pay.
5. EMI Conversion:
   ICICI allows you to convert large purchases into easy monthly installments (EMIs), reducing the financial burden of paying large amounts in one go. This feature is available at flexible tenures with applicable interest.
6. Balance Transfer:
   You can transfer outstanding balances from other credit cards to your ICICI Credit Card. This allows you to consolidate debt and take advantage of lower interest rates, helping you manage payments more effectively.
7. Contactless Payments:
   ICICI Credit Cards come equipped with contactless technology, enabling you to make secure transactions by simply tapping the card at enabled terminals without needing to swipe or insert it.
8. ATM Withdrawals:
   ICICI Credit Cards offer cash withdrawal options at ATMs, allowing you to access instant cash in case of emergencies. However, cash withdrawals incur fees and interest from the date of withdrawal.
9. Statement and Bill Payments:
   ICICI issues a monthly statement detailing all transactions made with your card, due payments, and the minimum amount required. You can pay your credit card bills online, via mobile app, through NEFT, or by depositing cash/cheque at an ICICI Bank branch.
10. Fuel Surcharge Waivers:
    ICICI cards, such as the HPCL Super Saver Card, offer fuel surcharge waivers on fuel purchases at specific fuel stations, helping you save money on fuel transactions.
11. Utility Bill Payments:
    ICICI Credit Cards can be used to pay utility bills like electricity, mobile, or broadband through Auto Pay or manual payments. You can also earn reward points or cashback on these payments, depending on the card.
12. Global Acceptance:
    ICICI Credit Cards are accepted globally at millions of merchants and ATMs, allowing you to make purchases and withdraw cash while traveling abroad.
13. Insurance Coverage:
    Most ICICI cards come with insurance benefits, including accidental death coverage, lost card protection, and purchase protection, providing financial security in case of emergencies.
14. Online Access and Mobile App:
    You can manage your card online through ICICI’s website or mobile app, where you can check your balance, view statements, pay bills, and track rewards.

Limitations of ICICI Bank Credit Card

Here’s a more detailed and expanded version of the provided information:

• Credit Limit:
  The credit limit on your ICICI Credit Card is determined by the bank at the time of application. It is based on several factors, including your credit score, monthly income, existing liabilities, age, and credit history. It’s essential to use your credit within this limit to maintain a good credit score and avoid overutilization.
• Late Payment Penalties:
  If you fail to pay at least the minimum amount due by the specified payment due date, the bank will impose late payment penalties. These penalties are designed to encourage timely payments and can significantly add to your overall debt if not addressed promptly. Regularly paying your credit card bills in full helps avoid these extra charges.
• Fees:
  ICICI Credit Cards come with various types of fees, including:

-Annual Fees: This is a yearly charge for maintaining the credit card account, which may be waived based on your spending.

-Joining Fees:One-time fees charged when you sign up for the card.

-Processing Fees:These are applicable for services like EMI conversion or balance transfers.

-Renewal Fees:Charged when your card is renewed after its validity period.

• Fraud:
  Credit card fraud is a potential risk for cardholders. Fraudulent transactions can occur if your card details are compromised. To reduce the risk of credit card fraud, it’s crucial to regularly check your monthly statements for any unfamiliar or suspicious transactions.
• Overspending:
  Credit cards offer convenience and flexibility, but they can also lead to overspending if not managed responsibly. The ease of swiping or tapping a credit card can make it tempting to spend beyond your means, especially if you’re not keeping track of your expenses.
  Overspending can negatively impact your credit score and lead to financial stress.

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How to Apply for ICICI Credit Card

Here’s a step-by-step guide on how to apply for an ICICI Credit Card:

1.Check Your Eligibility

• Age: You must be at least 21 years old (for salaried individuals) and no older than 65.
• Income: Minimum monthly income of ₹15,000 for salaried individuals or proof of stable income for self-employed individuals.
• CIBIL Score: A good credit score (generally 700+).
• Nationality: Must be an Indian resident or Non-Resident Indian (NRI) with valid documents.

2.Choose the Right Card

• Visit ICICI Bank’s website or a branch to explore the range of credit cards.
• Choose a card based on your spending needs—whether for rewards, travel, fuel, or shopping benefits.

3.Gather Required Documents

• KYC Documents: Aadhaar Card, Passport, Voter ID, or Driving License for identity proof.
• PAN Card: Required for tax identification and to verify creditworthiness
• Income Proof: Latest salary slips (1-2), Form 16, or IT returns for salaried/self-employed individuals.
• Bank Statements: Last 3-6 months’ bank statements showing income deposits and financial transactions.

4. Apply Online or Offline

• Online Application:

-Visit the official ICICI Bank website.

-Select the credit card that suits your requirements.

-Fill out the online application form with personal, financial, and employment details.

-Upload scanned copies of required documents.

-Submit the application for processing.

• Offline Application:

-Visit the nearest ICICI Bank branch.

-Request an application form for your chosen credit card.

-Fill out the form and submit it along with photocopies of the required documents.

5.Document Verification

• ICICI Bank will verify the submitted documents, including your credit score, income proof, and identity documents.
• You may receive a call from the bank’s representatives to confirm or request additional information.

6.Approval Process

• Once the verification is complete, ICICI Bank will evaluate your creditworthiness based on your income, CIBIL score, and financial history.
• If approved, you will receive a confirmation via SMS or email, followed by the dispatch of your credit card.

7. Receive and Activate Your Card

• The ICICI Credit Card will be delivered to your registered address within 7-10 working days.
• Once you receive it, activate the card by following the instructions provided by the bank, such as setting up your PIN via the ICICI mobile app or customer service.

By following these steps, you can easily apply for an ICICI Credit Card and start enjoying the benefits once your application is approved.

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