🏦 ICICI Bank · India's #1 Private Bank · Official Guide
Best ICICI Bank Credit Cards – Features, Benefits, Fees & Apply Online
ICICI Bank offers 25+ credit cards spanning cashback, travel, rewards, shopping, and lifestyle. Compare every card, check free eligibility, and apply instantly at MyBankingTips — India's most trusted financial advisory platform.
ICICI Bank Credit Cards — Trusted by 1.5 Crore+ Indians
ICICI Bank is one of India's most innovative and customer-centric credit card issuers. With a diverse portfolio of 25+ credit cards, ICICI Bank caters to every lifestyle — from the cashback-focused Amazon Pay ICICI Card to the ultra-premium ICICI Bank Emeralde Private Metal Card. At MyBankingTips, you can compare all ICICI credit cards side by side, check eligibility in seconds, and apply online without affecting your CIBIL score.
ICICI Bank, India's largest private sector bank by total assets, has been a pioneer in the Indian credit card space. Its cards are known for generous welcome bonuses, extensive co-brand partnerships (Amazon, MakeMyTrip, InterMiles, Manchester United), and one of the most rewarding UPI-linked credit card programmes in India.
Whether you want 5% cashback on Amazon, unlimited lounge access, fuel savings, or airline miles — ICICI Bank has a card designed specifically for your needs. Our experts have reviewed each ICICI card in detail to help you pick the right one.
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Key Highlight: The Amazon Pay ICICI Credit Card is one of India's most popular lifetime-free credit cards with over 50 lakh cardholders. It offers 5% cashback on Amazon and 1% on all other spends — no restrictions, no expiry on cashback.
Best ICICI Credit Cards in India 2026
Here are the best-rated ICICI Bank credit cards across all major categories. Compare and apply for the one that suits your lifestyle:
ICICI Card
ICICI Coral Credit Card
4.2/ 5
Entertainment
Reward
Utility bill payment
Rewards
- Get 25% discount at BookMyShow and Inox, twice every month.
- Earn up to 3,000 bonus reward points.
Apply Now →
ICICI Bank Credit Cards Comparison Table
| Card Name |
Annual Fee |
Best For |
Reward Rate |
Lounge |
Fee Waiver |
Apply |
| Amazon Pay ICICI |
₹0 Free |
Cashback |
5% Amazon / 1% all |
None |
Lifetime free |
Apply → |
| Emeralde Private Metal |
₹12,499 |
Premium |
6 pts/₹100 |
Unlimited |
₹10L spend |
Apply → |
| ICICI Sapphiro |
₹3,500 |
Travel |
4 pts/₹100 |
16/year |
₹6L spend |
Apply → |
| MakeMyTrip Signature |
₹2,500 |
Travel |
10% on MMT |
16/year |
₹3L spend |
Apply → |
| ICICI Coral |
₹500 |
Entry Level |
2 pts/₹100 |
None |
₹1.5L spend |
Apply → |
| InterMiles Signature |
₹2,499 |
Air Miles |
6 miles/₹100 |
8/year |
₹3L spend |
Apply → |
| ICICI Rubyx |
₹2,000 |
Mid-Range |
2 pts/₹100 |
8/year |
₹3L spend |
Apply → |
| ICICI Coral RuPay |
₹500 |
UPI Rewards |
2 pts/₹100 + UPI |
None |
₹1.5L spend |
Apply → |
How to Apply for an ICICI Bank Credit Card Online at MyBankingTips
Applying for an ICICI Bank credit card online through MyBankingTips is fast, paperless, and completely free. Follow these steps:
1
Compare ICICI Cards on MyBankingTips
Browse all ICICI credit cards, filter by your spending category (cashback, travel, shopping, lifestyle), and compare features, fees, and rewards side by side to find the best match.
2
Free Eligibility Check — No CIBIL Impact
Enter your income, employment type, and city for an instant soft eligibility check. This has zero impact on your CIBIL score and shows you which ICICI cards you pre-qualify for.
3
Click Apply Now & Fill the Form
You'll be redirected to the official ICICI Bank or partner portal. Fill in your personal details (name, PAN, DOB, address), employment type, and income information accurately.
4
Upload KYC & Income Documents
Submit PAN card, Aadhaar, last 3 months' salary slips, and 6-month bank statement digitally. ICICI Bank supports full Aadhaar OTP-based eKYC — no physical documents needed in most cases.
5
Instant Approval & Verification
ICICI Bank processes your application digitally. Many eligible applicants — especially existing ICICI account holders — receive in-principle approval within minutes.
6
Card Delivery & Activation
Physical card dispatched within 5–7 working days. An instant virtual card may be issued immediately through the iMobile Pay app for online transactions.
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Existing ICICI Customers: Log in to the iMobile Pay app or ICICI Net Banking and check for pre-approved credit card offers under the "Cards" section. These typically require no income documents and are approved instantly.
ICICI Bank Credit Card Fees & Charges
A full breakdown of all applicable ICICI credit card fees to help you make a well-informed decision:
| Fee / Charge Type |
ICICI Card Amount |
Notes |
| Joining / Annual Fee |
₹0 – ₹12,499 + GST |
Varies by card. Amazon Pay ICICI is lifetime free. |
| Finance Charges (Interest) |
3.4% per month (40.8% p.a.) |
On revolving balance; ICICI has slightly lower rate than HDFC/Axis |
| Late Payment Fee |
₹100 – ₹1,200 |
Slab-based on total amount due |
| Cash Advance Fee |
2.5% or ₹300 (whichever higher) |
Interest charged from date of withdrawal, no grace period |
| Foreign Transaction Fee |
3.5% + GST |
Emeralde Private Metal charges lower forex markup of 1.5% |
| Over-Limit Charge |
2.5% of over-limit amount |
Minimum ₹500 per statement cycle |
| Fuel Surcharge |
1% (max ₹4,000/month) |
Surcharge waiver at HPCL on select ICICI cards |
| Card Replacement Fee |
₹199 – ₹500 |
For lost/stolen card; waived in some cases |
| Cheque Return Fee |
₹500 per instance |
For dishonoured payment instruments |
| Reward Redemption Fee |
₹99 + GST |
For statement credit redemptions on select cards |
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Note: All ICICI Bank credit card fees are subject to 18% GST. ICICI Bank's interest rate of 3.4%/month is slightly lower than HDFC (3.6%) and Axis (3.6%), making it marginally more affordable if you carry a balance — though the best strategy is always to pay in full.
ICICI Bank Credit Card Eligibility Criteria
Meet these standard ICICI credit card eligibility requirements before applying to ensure the best chance of approval:
Age: 21 – 60 Years
Primary cardholder must be 21–60. Add-on cardholders from 18 years. Self-employed applicants up to 65 years.
Income: ₹20,000+/month
Salaried: ₹20,000–₹25,000/month for entry-level. Premium cards need ₹75,000–₹1.5L+/month. Self-employed: ₹2.5L+ annual ITR.
CIBIL Score: 700+
Minimum 700 CIBIL score for most ICICI cards. Premium cards (Sapphiro, Emeralde) need 750+. Amazon Pay ICICI can be approved with lower scores.
Residency: Indian Citizen / NRI
Indian residents and select NRIs qualify. Minimum 1 year at current address preferred for address stability score.
Employment: Salaried or Self-employed
Both salaried professionals and self-employed individuals qualify. ICICI also has co-branded cards for business owners and entrepreneurs.
ICICI Account Advantage
Existing ICICI savings, salary, or FD account holders get priority approval and often receive pre-approved, instant credit card offers.
Documents Required for ICICI Bank Credit Card
Prepare these documents for a smooth and fast ICICI credit card application. Most submissions are fully digital:
| Document Type |
Accepted Documents |
| Identity Proof (KYC) |
PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, Driving Licence |
| Address Proof |
Aadhaar Card, Passport, Voter ID, Latest utility bill (within 3 months), Registered rent agreement |
| Income Proof – Salaried |
Last 3 months' salary slips, Latest Form 16, Last 6 months' bank statement |
| Income Proof – Self-employed |
Latest 2 years' ITR with computation, Business continuity proof, Last 6 months' bank statement |
| Photograph |
Recent passport-size photograph (digital via Aadhaar OTP eKYC accepted for most applications) |
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Fast Track: For the Amazon Pay ICICI Card, the entire application is processed through Amazon's platform with Aadhaar eKYC. You can get approved in under 2 minutes with no physical documents if you're an existing Amazon Prime member.
ICICI Bank Credit Card Features & Benefits
ICICI Bank credit cards come loaded with exclusive privileges across multiple lifestyle and financial categories:
PAYBACK Reward Points
Earn PAYBACK points on every transaction, redeemable across 50+ partner brands including Flipkart, BookMyShow and more
Airport Lounge Access
Complimentary access to 1,000+ domestic and international lounges — up to 16 visits/year on premium ICICI cards
Welcome & Milestone Bonus
Rich welcome gifts on joining — reward points, e-vouchers, or cashback worth up to ₹12,500 on premium card activation
UPI Credit Card (RuPay)
ICICI Coral RuPay can be linked to UPI apps like Google Pay and PhonePe — earn reward points even on UPI transactions
EMI on All Purchases
Convert any purchase above ₹2,500 to easy 3–24 month EMIs instantly via the iMobile Pay app or website
Zero Liability Fraud Cover
100% protection against unauthorized transactions reported within 7 days. Instant card block via SMS or iMobile Pay
Additional ICICI card perks include: Buy 1 Get 1 movie offers on BookMyShow, fuel surcharge waiver at HPCL, complimentary golf rounds (Emeralde), concierge services, dining discounts at 2,500+ partner restaurants, and spend-based annual fee waivers.
ICICI Bank Credit Card Bill Payment Methods
Paying your ICICI credit card bill on time is the single most important habit for financial health. Use any of these convenient options:
| Payment Method |
Platform |
Time to Reflect |
| ICICI iMobile Pay App |
iOS / Android |
Instant |
| ICICI Internet Banking |
icicibank.com |
Instant |
| NEFT / IMPS / RTGS |
Any bank |
Instant – 2 hours |
| Auto Pay / ECS Mandate |
ICICI or other bank |
Auto-deducted on due date |
| Google Pay / PhonePe / Paytm (UPI) |
UPI apps |
Instant |
| ICICI Bank ATM |
ICICI ATMs |
Same day |
| Cheque at Drop Box |
ICICI Bank Branch |
3–5 working days |
| ICICI Bank Branch |
Counter payment |
Same day |
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Best Practice: Set up ECS auto-debit for the full outstanding amount through the iMobile Pay app or icicibank.com. This ensures you always pay on time, avoids late fees, and protects your CIBIL score — even if you forget the due date.
How to Activate Your ICICI Bank Credit Card
Your new ICICI credit card must be activated before you can use it. Here are all the available activation methods:
1
Via ICICI iMobile Pay App
Download iMobile Pay, log in, go to "Cards" → "Credit Cards" → Select your new card → "Activate Card". Verify with OTP on registered mobile number.
2
Via ICICI Internet Banking
Log in to icicibank.com → Cards → Credit Cards → Select new card → "Activate Credit Card". OTP verification required from registered mobile number.
3
Via Customer Care IVR
Call ICICI Bank helpline 1800-1020-123 (toll-free). Follow the IVR prompts for "Credit Card Activation". Verify with card details and DOB.
4
Via First ATM Transaction
Visit any ICICI or Visa/Mastercard ATM, use your new card with the PIN received separately, and complete a balance enquiry to activate the card automatically.
ICICI Credit Card Login & Net Banking
Access and manage your ICICI credit card account 24×7 through these official digital platforms:
Through ICICI's digital platforms you can: view real-time transactions, pay bills, set card controls, convert to EMI, check PAYBACK points, dispute transactions, block/unblock card, apply for limit enhancement, and manage add-on cards all from one place.
How to Check ICICI Credit Card Application Status
After applying, track your ICICI credit card application status through any of these methods:
| Method |
How to Check |
| ICICI Bank Website |
Visit icicibank.com → Cards → "Track Credit Card Application" → Enter Application Reference Number + DOB |
| iMobile Pay App |
Open iMobile Pay → Cards → "Application Status" → View real-time update |
| Customer Care |
Call 1800-1020-123 with your Application Reference Number |
| SMS |
SMS "TRACK <Ref No.>" to 5676766 from your registered mobile number |
| Email Alert |
Automatic status updates are sent to your registered email address at every processing stage |
ICICI Bank Credit Card Rewards Program — PAYBACK Points
ICICI Bank credit cards run on the PAYBACK loyalty programme — India's largest multi-brand rewards programme with 100+ redemption partners:
| Card |
Base Earning Rate |
Accelerated Rate |
Points Validity |
| Amazon Pay ICICI |
1% cashback all spends |
5% on Amazon (Prime) / 3% (non-Prime) |
Direct cashback; no expiry |
| Emeralde Private Metal |
6 pts/₹100 |
10X on weekends |
3 years |
| ICICI Sapphiro |
4 pts/₹100 |
6X on select categories |
2 years |
| ICICI Coral |
2 pts/₹100 |
4X on select merchants |
2 years |
| InterMiles Signature |
6 InterMiles/₹100 |
10X on InterMiles bookings |
3 years |
| ICICI Rubyx |
2 pts/₹100 |
4X on groceries, movies |
2 years |
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PAYBACK Point Value: 1 PAYBACK point = ₹0.25 for statement credit. For Flipkart, Amazon vouchers or travel bookings, the value can be up to ₹0.50–₹1 per point. The Amazon Pay ICICI Card skips points entirely and gives you direct cashback — making it easier to track value.
How to Redeem ICICI Credit Card Reward Points
ICICI PAYBACK points offer flexible redemption options across 50+ partner brands:
1
PAYBACK Portal / iMobile Pay
Visit payback.in or use the iMobile Pay app → PAYBACK Rewards → Select category → Choose product, voucher, or travel booking. Instant confirmation.
2
Statement Credit
Log in to icicibank.com or iMobile Pay → Rewards → Redeem for Statement Credit. Minimum 500 points; worth ₹0.25/point. Applied to next billing statement.
3
InterMiles Conversion (InterMiles Card)
For InterMiles ICICI cardholders, points convert directly to InterMiles at 1:1 ratio, redeemable for IndiGo, Air India, Vistara, and hotel bookings.
4
Partner Brand Vouchers
Redeem PAYBACK points for gift vouchers from Flipkart, Big Bazaar, HPCL, Shoppers Stop, Lifestyle, and 100+ more brands through the PAYBACK catalogue.
ICICI Bank Credit Card Balance Transfer
Transfer high-interest outstanding balances from other credit cards to your ICICI card and save significantly on interest costs:
| Feature |
Details |
| Minimum Transfer Amount |
₹5,000 |
| Maximum Transfer Amount |
Up to 75% of available ICICI credit limit |
| Balance Transfer Interest Rate |
0.99% – 1.5% per month (promotional rate) |
| Repayment Tenure |
3, 6, 9, or 12 months EMI |
| Processing Fee |
1.5% of transfer amount + GST (minimum ₹200) |
| Eligibility |
Active ICICI credit card with 6+ months usage and good repayment history |
| Processing Time |
3–7 working days; payment directly to the other bank via NEFT |
To apply for a balance transfer, log in to iMobile Pay → Cards → "Balance Transfer" or call ICICI Bank credit card helpline 1800-1020-123.
When is Interest Charged on an ICICI Credit Card?
Understanding ICICI Bank's credit card interest policy helps you avoid the 40.8% annual finance charges:
✅ When Interest is NOT Charged
- ✓When you pay 100% of the outstanding balance by the due date each month
- ✓During the interest-free grace period on retail purchases
- ✓On EMI transactions — only the EMI interest rate applies
- ✓On reward redemptions or annual fee reversal credits
❌ When Interest IS Charged
- ✗On any balance carried forward beyond the payment due date
- ✗On cash advances — interest starts from the exact withdrawal date
- ✗On the entire outstanding — not just the unpaid portion
- ✗When you pay only the minimum due (partial payment loses grace period)
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Critical: ICICI charges 3.4% per month (40.8% annually). Even paying ₹1 less than the full outstanding triggers interest on the ENTIRE balance from the statement date — not just from the due date. Always pay the complete total outstanding.
ICICI Credit Card Interest-Free Period
The ICICI Bank credit card grace period gives you up to 48 days of interest-free borrowing on retail purchases:
| Detail |
ICICI Card Policy |
| Maximum Interest-Free Period |
Up to 48 days |
| Billing Cycle Duration |
30 days |
| Payment Due Date |
18 days after statement generation date |
| Condition for Zero Interest |
Full total outstanding (not minimum due) paid before due date |
| Applicable on |
Retail purchases only — NOT on cash advances or quasi-cash transactions |
| Period lost if |
Any outstanding balance from previous billing cycle is carried forward |
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Maximize the Grace Period: Make large purchases on the first day after your ICICI billing date to get the maximum 48-day interest-free window. Check your statement date in the iMobile Pay app under "Card Details".
ICICI Credit Card EMI & Easy Pay Facility
ICICI Bank's Easy Pay and EMI on Call facility lets you convert large purchases or outstanding balances into convenient monthly instalments:
| Feature |
Details |
| Minimum Transaction for EMI |
₹2,500 |
| EMI Tenure Options |
3, 6, 9, 12, 18, or 24 months |
| EMI Interest Rate |
12% – 18% p.a. depending on tenure and offer |
| No-Cost EMI |
Available at 5,000+ partner merchants including Amazon, Flipkart, Croma, Samsung, Apple |
| Outstanding to EMI (Easy Pay) |
Convert full outstanding to EMI; min ₹2,500; 3–60 months tenure |
| Foreclosure Charges |
3% on outstanding principal + GST |
To convert to EMI, open the iMobile Pay app → Cards → Select transaction → "Convert to EMI". You can also call 1800-1020-123 within 30 days of the purchase date.
ICICI Bank Credit Card Customer Care — 24×7 Support
ICICI Bank offers extensive customer support channels for all credit card needs, disputes, and queries:
| Channel |
Contact Details |
Availability |
| Toll-Free Helpline |
1800-1020-123 |
24×7 |
| Alternate Number |
1800-200-3344 |
24×7 |
| From Abroad |
+91-22-3366-7777 |
24×7 |
| iPal AI Chatbot |
icicibank.com or iMobile Pay |
24×7 |
| Email Support |
customer.care@icicibank.com |
Response within 48 hours |
| Twitter / X |
@ICICIBank_Care |
Mon–Sat 8AM–8PM |
| Branch Visit |
Nearest ICICI Bank Branch |
Branch banking hours |
| MyBankingTips Expert |
business@mybankingtips.com |
Reply within 48 hours |
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Emergency Card Block: SMS "BLOCK <last 4 digits>" to 5676766, or call 1800-1020-123 immediately if your ICICI card is lost or stolen. Card is blocked within seconds and a replacement is dispatched within 3–5 working days.
Quick Links to Manage Your ICICI Bank Credit Card
Frequently Asked Questions About ICICI Bank Credit Cards
Which is the best ICICI Bank credit card in 2026?
For cashback & free card: Amazon Pay ICICI Card (5% on Amazon, lifetime free). For travel: MakeMyTrip ICICI Signature (10% on MMT). For air miles: InterMiles ICICI Signature. For premium lifestyle: ICICI Sapphiro. For ultra-premium: ICICI Emeralde Private Metal. For entry-level: ICICI Coral.
Is the Amazon Pay ICICI Credit Card really free?
Yes, the Amazon Pay ICICI Credit Card is 100% lifetime free — no joining fee, no annual fee, ever. It's issued by ICICI Bank and managed through the Amazon app. You earn 5% cashback on Amazon (Prime members) or 3% (non-Prime), plus 1% on all other spends. Cashback is credited as Amazon Pay balance with no minimum redemption and no expiry.
What is the minimum salary for an ICICI credit card?
For the Amazon Pay ICICI Card, the minimum income requirement is relatively flexible (₹15,000–₹20,000/month). For the ICICI Coral card, ₹20,000/month is needed. For Rubyx/Sapphiro, ₹40,000–₹60,000/month. For Emeralde Private Metal, ₹1.5–₹2 lakh/month or by invite based on existing ICICI relationship.
How do I check my ICICI credit card statement?
You can check your ICICI credit card statement via: (1) iMobile Pay app → Cards → Statement, (2) ICICI Internet Banking → Cards, (3) Monthly email statement sent automatically, (4) SMS "STMT" to 5676766, or (5) Call 1800-1020-123. Statements are also available as downloadable PDFs for up to 24 months.
Can I use my ICICI credit card for international transactions?
Yes. ICICI Visa and Mastercard credit cards are accepted internationally. A foreign transaction fee of 3.5% + GST applies on international spends for most cards. The Emeralde Private Metal Card charges a lower 1.5% forex markup. Before travelling abroad, enable international usage via iMobile Pay app → Cards → "Enable International Transactions".
What are ICICI PAYBACK points worth?
1 ICICI PAYBACK point = ₹0.25 for statement credit or cash redemption. For partner brand vouchers (Flipkart, Big Bazaar, HPCL), the value ranges from ₹0.25–₹0.50 per point. The best redemption value is through travel bookings or InterMiles conversion, where the effective value can reach ₹0.50–₹1 per point. Points expire after 2–3 years depending on the card variant.
How do I increase my ICICI credit card limit?
Request a credit limit increase through: (1) iMobile Pay app → Cards → "Increase Limit", (2) ICICI Net Banking → Cards → "Credit Limit Enhancement", or (3) Call 1800-1020-123. Submit updated income proof for better chances. Best to apply after 12+ months of regular usage and zero defaults. ICICI also auto-enhances limits for consistently good payers.
Is it safe to apply for an ICICI card through MyBankingTips?
Absolutely yes. MyBankingTips is a registered and authorized financial advisory platform. We redirect you only to official ICICI Bank pages or authorized partner portals (like mymoneymantra.com) for the actual application. We never store your card details, banking credentials, or OTPs. Your data is always processed under strict privacy and security standards.
Best ICICI Credit Cards for Rewards
MakeMyTrip ICICI Bank Credit Card
Joining Fee: ₹999
✈ Travel 🏆 Reward
- Earn unlimited 6% myCash (12 myCash per Rs. 200) on hotel bookings via MakeMyTrip
- Earn unlimited 3% myCash (6 myCash per Rs. 200) on flights, holiday packages, cabs, and bus bookings via MakeMyTrip
ICICI Coral Credit Card
Joining Fee: ₹500
🎥 Entertainment 🏆 Reward Utility bill payment
Emirates Skywards ICICI Bank Emeralde
Joining Fee: ₹10000
✈ Travel 🏆 Reward 👑 Premium
- Earn 2.5 Skywards Miles for every Rs. 100 spent
- Earn 1 Skywards Mile for every Rs. 100 spent on insurance and utility payments
Best ICICI Credit Cards for Shopping
Adani One ICICI Platinum Credit Card
Joining Fee: ₹750
🛒 Shopping
Best ICICI Credit Cards for Travel
Emirates Skywards ICICI Bank Emeralde
Joining Fee: ₹10000
✈ Travel 🏆 Reward 👑 Premium
- Earn 2.5 Skywards Miles for every Rs. 100 spent
- Earn 1 Skywards Mile for every Rs. 100 spent on insurance and utility payments
MakeMyTrip ICICI Bank Credit Card
Joining Fee: ₹999
✈ Travel 🏆 Reward
- Get MMT voucher worth Rs. 1,000 and MMTBLACK Gold Membership for the first year
- Get MMT voucher worth Rs. 1,000 on payment of annual fee
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⚠️ Disclaimer
MyBankingTips is a loan aggregator and is authorized to provide services on behalf of its partners. *Applicable for selected customers. ICICI Bank credit card features, fees, interest rates, and reward programmes mentioned on this page are indicative and subject to change at ICICI Bank's discretion. All credit card applications and approvals are subject to ICICI Bank's underwriting criteria and the applicant's creditworthiness. MyBankingTips does not guarantee approval of any application. Please read the Most Important Terms & Conditions (MITC) document carefully before applying. This content is for educational and informational purposes only and does not constitute financial advice.