ICICI Credit Card

One of the well-known banks in India, ICICI Bank, provides its clients with a large selection of loan products. ICICI Bank is an established brand in the credit market, offering reasonable interest rates on both loans and credit cards. A range of credit cards from ICICI Bank are available to suit different needs and lifestyle.

When you use your ICICI Bank credit card to make purchases for dining, travel, shopping, entertainment, and gas, you can earn reward points and benefits. Finding the ideal ICICI credit card for you might be challenging, because there are so many possibilities available. In order to help with your search for the ideal credit card, The most popular ICICI Bank credit cards, together with their fees & charges and eligibility, are given here to assist you choose the best credit card.

Apply for ICICI Credit Cards Online

ICICI Bank provides credit cards  under multiple categories, such as cashback, travel, rewards, and online shopping. To get the credit card that best suits your spending habits, we suggest comparing the best ICICI credit cards. Here are a few of the most well-liked ICICI credit cards to help you in your search.

How to Apply for ICICI Credit Card Online

To apply for an ICICI Bank credit card online via MybankingTips, follow these steps:

  • Visit MybankingTips ICICI Credit Card Section.
  • Select Your Ideal Credit Card.
  • Click on the ‘ Apply Now’ tab.
  • Fill in the required details to find out if you are eligible to apply for the card.
  • Once you have entered all the necessary information, click on ‘Submit’.
  • After you have successfully provided all the required information, you will receive a message with your application ID.

By following these steps, you can easily apply for an ICICI Bank Credit Card online through MybankingTips.

Online Apply Through The Bank’s Website

Step 1: Visit the official website to apply for a credit card. Step 2: Select "Apply now." Step 3: Fill out the form and select "Receive offers." Step 4: A list of credit cards will be displayed to you. Step 5: Select a credit card by clicking the "Apply Now" button. Step 6: Select 'Confirm.'

You will receive a call from an ICICI Bank representative who will help you finish the process.

Eligibility Criteria to Apply for ICICI Credit Cards

Credit cardholders with good credit (ideally above 750) can apply for credit cards from ICICI Bank. You can, however, still apply for some of the cards if you don't have any credit history.The following list contains the fundamental requirements for eligibility to ICICI Bank credit cards:

  • Nationality: Applicants should be a citizen of India.
  • Income: The bank will assess your eligibility based on your yearly income.
  • Age: For an individual to be eligible for an ICICI credit card, they must be between the ages of 18 and 60.
  • Credit score: A CIBIL score of at least 750 is required.
  • Occupation: Credit cards from ICICI Bank are available to both self-employed and salaried workers.

Required Documents to Apply for ICICI Credit Card

Applicants are required to submit proof of identity, proof of address, and proof of income along with a duly filled application form. The approved documents for each category are included in the list below.

Proof of Identity Passport, Aadhaar card, Voter’s ID, PAN Card, Driver’s License, Overseas Citizen of India Card, Job card issued by NREGA, Person of Indian Origin Card, Letters issued by the UIDAI or any other government approved photo ID proof
Proof of Address Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government approved address proof
Proof of Income

(For salaried)

  • Salary certificate
  • Latest one or 2 month salary slip
  • Last 3 months’ bank statement
  • Employment letter

(For self-employed)

  • Certified financials
  • Latest Form 16
  • Last 3 months’ bank statement
  • Recent ITR (Income Tax Returns)
  • Audited profit and loss statement or balance sheet

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ICICI Credit Card: Fees and Charges

Here are some fees and charges that apply to all ICICI Bank credit cards, listed in the table below:

Fee Type Amount
Joining/Annual Fee Varies from one card to another
Finance Charges Up to 3.67% per month|44% per annum
Over limit fee 2.5%
Card replacement fee Rs.100 to Rs.250
Late Payment Fee For Outstanding Balance Fee
Below Rs.100 Nil
Between Rs. 100 to Rs. 500 Rs. 100
Between Rs. 501 to Rs. 5,000 Rs. 500
Between Rs. 5,001 to Rs. 10,000 Rs. 750
Between Rs. 10,001 to Rs. 25,000 Rs. 900
Between Rs. 25,001 to Rs. 50,000 Rs. 1,000
Above Rs. 50,000 Rs. 1,200

Consider a card's annual fee, joining fee, and best use while reviewing it.

Card Variant Joining Fee Annual Fee Best For
MakeMyTrip ICICI Bank Signature Credit Card ₹ 500 ₹ 500 Travel
Amazon Pay ICICI Credit Card ₹ NIL ₹ NIL Shopping
ICICI Bank Rubyx Credit Card ₹ 3,000 ₹ 2,000 Travel and Shopping
ICICI Bank Sapphiro – A Premium Credit Card ₹ 6,500 ₹ 3,500 Travel and Shopping
ICICI Coral Credit Card ₹ 500 ₹ 500 Rewards
MakeMyTrip ICICI Bank Signature Credit Card ₹ 2,500 ₹ 2,500 Travel
ICICI Platinum Chip Credit Card – Visa ₹ Nil ₹ Nil Shopping
Manchester United Platinum Credit Card ₹ 499 ₹ 499 Shopping
Manchester United Signature Credit Card ₹ 2,499 ₹ 2,499 Shopping
ICICI Bank Emeralde Credit Card ₹ 12,000 ₹ 12,000 Lifestyle
ICICI Bank HPCL Super Saver Credit Card ₹ 500 ₹ 500 Fuel
Suggested Read : Check 25 Best Credit Cards in India in June 2024 and find the right card as per your spending habits.

Features and Benefits of ICICI Bank Credit Cards

ICICI Bank Credit Cards offer the following main features and benefits:

Lifestyle benefits

Get deals on restaurants, shopping, movies, and other things.

Travel benefits

Save money on fuel purchases, receive discounts on fuel purchases, and enjoy free access to airport lounges.

Rewards benefits

Take advantage of ICICI Bank Rewards programs, cash rewards, 24*7 concierge services, and much more.

Welcome Benefits

You receive welcome bonuses when you open an ICICI Bank credit card account. These perks can include gift cards, expedited cashback, premium subscriptions to specific platforms at no cost, additional Reward Points, and more. Following the payment of the joining fee (if applicable), you typically receive welcome gifts.

EMIs on your card

Purchase now and pay with simple EMI on your card later. Take advantage of simple payment options for your purchases to improve your shopping experience.

Loan on Credit Card

With loans up to Rs 20 lakh and low interest rates between 14.99% and 15.99%, you can get quick cash with icici bank personal loans on credit cards.

No joining fee or additional annual fees on select cards

Sign up right now to avoid paying a joining or annual charge. With us, take advantage of special offers and save more.

Other Benefits

You can also receive free cinema tickets, special dining discounts, free insurance, exemptions of fuel surcharges, and many other benefits by using your ICICI bank card.

Features of the Major ICICI Bank Credit Cards

ICICI Bank Rubyx Credit Card

One of ICICI Bank's most well-liked credit cards in the lifestyle category is the mid-level Rubyx credit card. The Rubyx card has an annual fee of Rs. 3,000 and is available in two variants: American Express and MasterCard. With this credit card, you may enjoy a respectable reward rate in addition to other benefits like free domestic airport lounge access, free rounds of golf, and discounted cinema tickets.

Amazon Pay ICICI Bank Credit Card

When the Amazon Pay ICICI Bank Credit Card was introduced in October 2018 in collaboration with Amazon India and Visa, it quickly moved to the top of the list of the nation's most well-liked credit cards for online purchases. Those who shop online, especially those who enjoy Amazon, can take advantage of the card's high reward rate. If you are an Amazon Prime subscriber, the offer stands out then. When you use this credit card, instead of other ICICI bank credit cards, you receive Reward Points. These Reward Points can be used at any online or offline retailer that supports Amazon Pay as a payment method. At the end of each month, the rewards are deposited to your Amazon Pay account.

ICICI Bank Emeralde Credit Card

ICICI Bank's premium credit card is called the Emeralde. There are two versions of the card available: the MasterCard and the American Express versions. With this credit card, ICICI caters to High Net Worth Individuals (HNIs) by providing best-in-class benefits like unlimited access to domestic and international lounges, a lower interest rate and forex markup, air accident insurance worth Rs. 3 crore, and numerous other advantages that one would anticipate from a premium credit card. The Infinia credit card from HDFC is a direct rival of the Emeralde card. This credit card stands out from the majority of other cards on the market due to its special feature of allowing you to choose between a monthly and annual membership plan.

ICICI Bank Coral Credit Card

With an annual charge of just Rs. 500, the bank's entry-level lifestyle credit card is called the Coral credit card. Despite the relatively low reward rate, you receive all the usual perks of an entry-level credit card, such as free domestic airport and train lounge access, savings on movies and restaurants, and the waiver of fuel surcharges.

ICICI Bank Sapphiro Credit Card

The ICICI Sapphiro credit card, which is the second most expensive credit card is available in two versions: a MasterCard and an AmEx version. In contrast to the Emeralde card, the Sapphiro credit card has a regular interest rate of 3.4% p.m. and a 3.5% forex mark-up fee. However, because it's a premium credit card, you do get premium benefits like free golf rounds, access to domestic and international lounges (limited), free air travel insurance, round-the-clock concierge service, and a respectable reward program.

ICICI Mine Credit Card

This credit card offers cashback. This card is special since it has three monthly membership options: a free plan, a plan for Rs. 49, and a plan for Rs. 149. It is marketed by the bank as the first customer-focused Flexi-plan credit card in the nation. The Rs. 49 and Rs. 149 plans provide you 5% cash back on purchases made at specific well-known retailers, while the free plan gives you 1% cashback on all transactions. You also get a few more benefits with the paid versions, such as free access to airport lounges, quick savings at some stores, a greater monthly cashback cap, etc.

MakeMyTrip ICICI Bank Signature Credit Card

The bank is offering a co-branded credit card in association with MakeMyTrip. You will earn reward points, like My Cash, which you can use on MakeMyTrip to pay for hotel stays, plane tickets, and other travel-related costs. You also get additional benefits because it's a travel credit card, such as free domestic and international lounge visits and a free 10-day Airtel worldwide roaming pack valued at Rs. 3,999.

ICICI Bank HPCL Coral Credit Card

This is an additional low-cost fuel credit card available for just Rs. 199 per year. In addition to receiving a 2.5% discount (minus the 1% surcharge waiver) on fuel purchases at HPCL filling stations nationwide, you also receive 2 Reward Points on all card purchases.

ICICI Bank HPCL Super Saver Credit Card

This credit card is the most recent offering from ICICI Bank and Hindustan Petroleum Corporation Limited (HPCL). This credit card is special because, although being a fuel credit card, it also gives you faster reward points on purchases for groceries and utilities, among other categories. This credit card is intended for beginners and has a low annual membership cost of just Rs. 500. In addition to reward points, this card comes with a few extra perks that most other entry-level credit cards don't, such free (limited) domestic lounge access, roadside assistance, and movie and dining bonuses.

InterMiles ICICI Bank Sapphiro Credit Card

The ICICI bank offers a premium travel credit card called the InterMiles Sapphiro credit card. All purchases made with the card earn you InterMiles reward points, and using the InterMiles platform to book tickets for Etihad Airways in particular accelerates your accrual of reward points. The card comes with a plethora of additional benefits in addition to InterMiles, such as free access to local and international airport lounges, discounts on eating and movies, golf privileges, etc. The card is backed by American Express, and it has an annual fee of Rs. 5,000.

ICICI Bank Manchester United Signature Credit Card

With the ICICI Bank Manchester United Signature Credit Card, you can receive a complimentary football and holdall with the Manchester United logo. When you reserve in advance, you will receive a 20% discount for the Manchester United museum and tour. Get 10% off at Red Cafe, Manchester's Old Trafford. Receive a 10% discount at the stadium on all Manchester United Megastore purchases. Get 10% off at United Direct, the Manchester United megastore online. Get two complimentary passes per quarter to domestic airport lounges. Under the Culinary Treats Programme, you may save 15% on your eating expenses at over 2,500 restaurants throughout India.

ICICI Bank Platinum Chip Credit Card

Gift cards and other items can be purchased with ICICI Bank Platinum Chip Credit Card Reward Points. No fuel surcharge applies. You can make payments contactlessly.

How To Activate ICICI Bank Credit Cards?

Customers of ICICI Bank have multiple options for activating their credit cards. Use any of the following online or offline methods to activate your ICICI Bank credit card after you receive it:

  • Through an ICICI Bank ATM, you can also activate your ICICI Bank credit card. To activate your credit card using OTP, simply visit the ATM that is closest to you and select the appropriate option from the main menu.
  • Go into your net banking account to activate your ICICI Bank credit card. By selecting the 'Generate Credit Card PIN Online' option available under the 'Credit Cards' menu, you may quickly activate your card.
  • Reaching out to the ICICI Bank credit card customer service team and requesting assistance from bank representatives to activate your credit card is an additional simple method to do so.
  • You can easily visit your nearest ICICI bank branch and ask the bank employees to help you activate your credit card.

Factors Affecting ICICI Bank Credit Card Eligibility Criteria

When applying for an ICICI Bank credit card, the applicant needs to make sure they have checked all of the following.

Nationality Criteria of the Applicant: The candidate must be an Indian citizen or a non-resident Indian.

Income of the Applicant: While applying for a credit card, your salary is an important factor. The bank will be able to see this as evidence that you can afford to settle the debt on your credit cards. A fixed deposit can also be used as evidence for an ICICI Bank credit card.

Credit History of the Applicant: Credit history is clear evidence of how well a person handles their credit-related actions. The lender will give preference to those with a clean credit history when issuing credit cards.

Age of the Applicant: It becomes quite responsible to use a credit card. A person gets a reliable source of income after a specific number of years. As a result, the banks have strict age requirements when granting credit cards since they depend on receiving payments on time each month.

ICICI Credit Cards Login/Net Banking

To log into your ICICI Bank credit card account, use the instructions below.

Step 1: Visit the ICICI Bank website. Then select LOGIN, which is next to Personal Banking. Step 2: Give the password and user ID. Step 3: The consumer must choose "MY accounts" and then "Credits cards" after logging in. Step 4: Clients may now view all of the card's details as well as their service alternatives.

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ICICI Bank Credit Card Bill Payment

The following options are available to you for paying your credit card bills from ICICI Bank.

Cash payment: Any of the closest ICICI Bank branches will accept cash payments for credit card bills. When you pay your credit card bill, the bank will charge you a processing fee for each payment.

Cheque payment: You can use cheques in the same manner as cash to pay your credit card bills if that is your preferred method of payment. Additionally, you can deposit checks with your credit card number and other necessary information in the drop boxes found at bank ATMs. Three business days will pass before the payment is cleared.

NEFT: Using the NEFT feature, you can pay your credit card bill from any other bank account. To make a payment through NEFT, you usually have to include your credit card number as the payee account number. The instructions may fluctuate somewhat depending on the bank. Weekday payments made during business hours are credited the same day, while payments made outside of business hours are credited the following business day.

Bill Desk: To pay your credit card bills, you can visit the ICICI Bank Bill Desk website. Enter the necessary information, making sure to include the credit card number and the amount of the payment. After that, the clients are sent to the ICICI Bank online banking page to finish paying their credit card bills. After a transaction is successful, the customers will receive a Transaction Reference Number and an online transaction confirmation.

How to Redeem ICICI Bank Credit Card Reward Points

By connecting your credit card to your bank account through net banking, you can use your ICICI Bank Credit Card Reward Points. You will next need to access your account, look through the reward catalog, and select the gift that you want. Your gift will be shipped to the address you registered with after it has been confirmed.

You can also use email or chat with a customer service representative to redeem your reward points if you would rather not link your credit card to your bank account.

When is the ICICI Credit Card Interest Rate Charged

The bank charges interest when you fail to make timely payments or pay off your outstanding balance.

ICICI Bank charges different interest rates based on the type of credit card. The credit cards offered by the bank are mentioned above, together with their annual and monthly percentage rates of interest.

Interest rates on credit cards apply in the following situations:

  • The entire amount due on your credit card is not paid off.
  • You go to an ATM and take out cash using your credit card.
  • A part of your credit card due is paid off.

ICICI Bank Interest-Free Period

All credit cards from ICICI Bank come with a grace period during which there is no interest charged on transactions made with the cards. Therefore, the time period is referred to as an interest-free period.

The time between the transaction date and the payment due date is known as the credit card interest-free period. That's why it differs with every credit card purchase you make.

An interest-free period of 15 to 45 days is usually offered by ICICI. There won't be any interest charged if you pay within the allotted time, which is on or before the due date, provided you don't have any carryover balance from earlier statements.

ICICI Credit Card Application Status

If you've applied for an ICICI Bank credit card and would want to know how your application is doing, you can quickly check the status of your application by providing the necessary information on their site. For more details on the same, get in touch with ICICI Credit Card Customer Service.

ICICI Credit Card Balance Transfer

Any ICICI Bank credit cardholder who wants to move their balance from another bank credit card to their ICICI Bank credit card can do so through the ICICI Credit Card Bank Balance Transfer service.

  • The interest payment to the other bank can be reduced.
  • Up to Rs. 3 lakh can be sent as balance.
  • Installments of three and six months are available for payment.
  • No documentation has to be submitted.
  • If your credit card expenditures, transaction patterns, and payment history with the bank are all in order, you will be eligible for a debt transfer on your credit card. You need to have at least Rs. 15,000 left on your credit card from the other bank.

ICICI Bank Credit Card Customer Care

The following numbers can be used to reach ICICI Bank credit card customer service representatives 24X7.

  • From landlines and mobile devices in India, you can make free calls to 1800 102 4242.
  • You can also submit your credit card-related questions via letter to the zonal offices of ICICI Bank.

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FAQs

Payments for your ICICI Credit Card can be made online as well as offline. You can use services like debit cards, billdesk, ICICI Bank mobile app, net banking, and mobile banking to pay your bills online. If you would prefer to pay your credit card bills offline, you can visit any nearby branch and make a cash or cheque payment.

If the full amount due is not paid by the due date, the customer is responsible for paying interest. In addition to the entire amount due, interest will be charged on any new transactions completed up to this point, as the previous overdue amount must be paid in full.

It is possible to own multiple ICICI Bank credit cards. The capacity to maintain two or more credit cards will be decided by the bank. A number of factors will affect this, including your credit utilization ratio, credit score, credit report, and any payment delays.

ICICI Bank provides a variety of credit cards, including Platinum Credit Card, Sapphire Credit Card, Rubyx Credit Card & Coral Credit Card.

The first thing to do is call ICICI Bank, the card issuer, at their customer service number and report the loss of the card. The bank will automatically block and hotlist your card after learning of its loss before starting the application procedure for a new credit card. You can also carry out the same task via SMS if you are using a mobile device that is linked to your ICICI Bank account.

If you don't fit the bank's eligibility requirements, your application is denied by the bank. Usually, you receive a message on your registered mobile number from the bank informing you of the progress of your application at that moment. In addition, you can use your application number to check the status of your application online. You can contact the bank's customer service number and ask about the status of your application if you would want to check your status offline.

These credit cards from ICICI Bank are available for those who enjoy shopping:

  • ICICI Bank Coral American Express Credit Card
  • ICICI Amazon Pay Credit Card
  • ICICI Bank Platinum Chip Credit Card
  • ICICI Bank Amazon Pay Credit Card
  • ICICI Bank Manchester United Platinum Credit Card

Every application for a new credit card is evaluated based on a number of factors, including the applicant's income, credit score, history of loan repayment, credit history, number of previous bank credit cards, amount of other debt, etc. Before reapplying, confirm that you fulfill the requirements for most of the factors.

If a consumer makes a purchase that is greater than their credit limit, the ICICI bank will decide whether or not to accept the transaction. 2.5% of the amount that exceeds the credit limit is charged as an over-limit fee if the transaction is accepted.

There is no restriction on how many times you can adjust the credit card limit set by the bank.

It is possible for you to own multiple ICICI Bank credit cards. But the bank will decide whether you can afford to carry two or more credit cards. This will be determined by your credit utilization ratio, credit score, credit report, and any payment defaults of any kind.

Interest-free payments are made by customers who pay the whole amount owed before the payment deadline. As a result, customers can benefit from interest-free periods from the time they buy a good or service until the payment deadline. This typically takes between 18 and 48 days.

You can control how much you spend on credit cards with the help of this safety feature. Establish a monthly spending cap on your primary or secondary card; any purchases made in excess of this amount will be politely denied.

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You can access the following links to find detailed information and procedures related to managing your ICICI Bank Credit Card