Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • ICICI Bank Credit Cards

    ICICI Credit Card
     3.5 / 5.0   by 2366 users
    Used this product? Write a review >>

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card
    Annual Fee
    Reward type
    ICICI Bank Rubyx Credit Cards
     
    4.0 / 5.0
    by 6 users
    Annual Fee:
    1st year: 3,000 + ST
    2nd year onwards: 2,000 + ST (waived if spend ≥ 2,50,000 in prev. year)
    Reward type:
    Premium
    ICICI Bank Coral VISA Credit Card
     
    3.5 / 5.0
    by 204 users
    Annual Fee:
    1st year: 1000 500 + ST
    2nd year onwards: 500 + ST (waived if prev. year spend over 1,25,000)
    Reward type:
    Lifestyle
    Jet Airways ICICI Bank Sapphiro VISA Credit Card
    Annual Fee:
    1st year: 5000 2500
    2nd year onwards: 5000 + Service Tax
    Reward type:
    Airline
    Jet Airways ICICI Bank Rubyx VISA Credit Card
     
    0.0 / 5.0
    by 0 users
    Annual Fee:
    1st year: 2500
    2nd year onwards: 2500 + Service Tax
    Reward type:
    Airline
    ICICI Bank Platinum Chip VISA Credit Card
     
    3.5 / 5.0
    by 272 users
    Annual Fee:
    1st year: Nil
    2nd year onwards: 99 + ST (waived if prev. year spend over 50,000)
    Reward type:
    Shopping and Cashback
    ICICI Bank Sapphiro Credit Cards
    Annual Fee:
    1st year: 6,000 + ST
    2nd year onwards: 3500 + ST (waived if spend ≥ 5,00,000 in prev. year)
    Reward type:
    Premium
    Jet Airways ICICI Bank Coral VISA Credit Card
     
    3.5 / 5.0
    by 9 users
    Annual Fee:
    1st year: 1250 500
    2nd year onwards: 1250 + Service Tax
    Reward type:
    Airline
    ICICI Bank HPCL Coral VISA Credit Card
     
    3.5 / 5.0
    by 86 users
    Annual Fee:
    1st year: 199 + ST NIL (Fee of 199 will be levied if spend < 5,000 within 60 days)
    2nd year onwards:199 + ST (waived if prev. year spend > 50,000)
    Reward type:
    Fuel

    *Check eligibility to see cards you are eligible for

    ICICI Bank Credit Card Overview:

    ICICI Bank, India’s second largest bank in terms of assets, has a long and memorable history in the annals of Indian banking. An influential part of the fabled ‘Big Four’ banks in India, ICICI boasts of a competent network of 4,050+ branches, 12,642+ ATMs and presence in 20 countries worldwide (including India). Highly regarded for its brand of customer service, technologically sound procedures, transparent workings and sheer variety and popularity of the products on offer, the line of Credit Cards from this iconic bank have been well received, and regarded highly. When it comes to credit cards in India, ICICI Bank offers some of the premier options.

    Why Choose ICICI Bank Credit Cards?

    In terms of expertise, ICICI Bank can be called a pack-leader when it comes to credit cards in India - its promotion, user base and profitability. Why should you choose an ICICI Bank Credit Card? The following reasons summarize the advantages of subscribing to credit cards from ICICI Bank-

    1. Variety- The range of credit cards offered by ICICI are segmented into 6 types- The Gemstone Collection, Contactless Payment Cards, Fuel Cards, Airline Cards, Unifare Metro Cards and Others. There is a credit card for everyone, and sorting for the one that best suits your needs is child’s play on the ICICI website, as well as on BankBazaar.com.
    2. Fully Loaded Benefits- Every credit card on offer from ICICI is loaded to the brim with features and benefits. From offers on Fine Dining, Wellness, Holidays, Hotel, Airlines, Movies and such, to reward points and cashback benefits. There is something for everyone!!
    3. Easy to Apply- Get on-board with online signup, or walk into the nearest ICICI Bank branch. The process of getting your own ICICI Credit Card is simple, transparent, fast and immensely customer centric.
    4. Robust Customer Support- Backing this line of attractive products in its portfolio, is a competent customer support initiative. Have a query or concern? Help is a phone call, email or chat box away.

    Thus, choosing a credit card from ICICI Bank puts you in line for great features and impeccable service- an awesome combination, indeed!

    Features & Benefits of ICICI Bank Credit Cards:

    The term ‘comprehensive’ is used very lightly these days, however, the credit card offerings from ICICI Bank are indeed, comprehensive. Rich in features, each card may address a specific demographic, or express individual needs. We shall examine the important features of the various credit cards offered by ICICI Bank in the compilation herein-

    The Gemstone Collection- Includes, ICICI Bank Coral Credit Card, ICICI Bank Coral American Express Credit Card, ICICI Bank Rubyx Credit Cards, ICICI Bank Sapphiro Credit Cards and ICICI Bank Diamant Credit Card (By invitation only).

    1. Offers exclusive lifestyle benefits- Discounts on fine dining, movies, leisure etc.
    2. Travel Benefits- Avail complimentary access to select airport lounges.
    3. Enjoy cash rewards on all you spends with any of the credit cards in the Gemstone collection.
    4. Lightning fast online application and instant approval.

    Contactless Payment Card- Includes, ICICI Bank Coral Contactless Credit Card.

    1. Enjoy the revolutionary MasterCard contactless technology by simply tapping the card to make payments at retail outlets.
    2. Earn 2X reward points on fine dining, supermarket spends and groceries.
    3. Enjoy a complimentary Provogue tie when signing up, two complimentary passes to airport lounges per quarter across India, two complimentary movies per month under the ‘Buy One Get One’ offer from BookMyShow.com.
    4. Save from 15% onwards on fine dining bills at 800+ restaurants pan India, through the ‘Culinary Treats’ program.
    5. Easy online application process.

    Fuel Cards- Includes, ICICI Bank HPCL Coral American Express Credit Card, ICICI Bank HPCL Coral Visa/MasterCard Credit Cards and ICICI Bank HPCL Platinum Credit Card. These cards offer benefits on spends at the fuel station.

    1. Earn guaranteed cashback on spends for fuel.
    2. Accelerated reward points on fuel spends.
    3. 100% waiver of fuel surcharge.

    Airline Cards- Includes, Jet Airways ICICI Bank Coral Credit Cards, Jet Airways ICICI Bank Rubyx Credit Cards, Jet Airways ICICI Bank Sapphiro Credit Cards and British Airways Premium Credit Card Account. The principal features include-

    1. Avail complimentary access to select airport lounges.
    2. On all spends, earn JP miles/ Avios. These reward points can be redeemed against free flights or upgrades.
    3. Except the British Airways Card, the rest can be easily applied for online with instant approval.

    Unifare Metro Cards- Includes, ICICI Bank Unifare Mumbai Metro Credit Card, ICICI Bank Unifare Delhi Metro Credit Card and ICICI Bank Unifare Bangalore Metro Credit Card. As the name specifies, this card can be used to the fullest when commuting by the fine metro rail systems established in Mumbai, Delhi and Bangalore, respectively.

    1. Earn sizable discounts on the applicable Metro fare.
    2. These credit cards double up as a Metro Smart Card and of course, a fully packed credit card.
    3. The Metro Smart Card Chip embedded in the credit card is subject to auto recharge.

    More Cards- A selection of all-weather, fully loaded, versatile credit cards that come in handy in a number of financial emergencies and casual requirements. This line includes, ICICI Bank Platinum Chip Credit Card, ICICI Bank Instant Platinum Credit Card and ICICI Bank Coral Credit Card Against Fixed Deposit.

    Why Apply for an ICICI Bank Credit Card on BankBazaar?

    Applying for an ICICI Bank Credit Card on BankBazaar.com offers the following unbeatable advantages-

    1. Massively Time Saving- Check out the various features, the documentation, applying online and receiving confirmation for the same, everything happens quickly and smoothly- thanks to BankBazaar’s interactive and informative approach.
    2. Information Oriented- From the basic terms and conditions, the facets that set your eligibility, interest rates and innumerable other details that help you make an informed decision, find everything you need, here!
    3. Compare and Review- Compare the ICICI Bank Credit Card of your choice against other choices from the bank or other banks. Read reviews from your peers about their own credit card experiences, clear queries by contacting BankBazaar’s expert customer support team.
    4. Simple and Transparent Application Process- No hidden charges, no red-tape, not too technical that only a rocket scientist can understand, highly interactive with quick turnaround times, active help at all stages of the application and approval process, and importantly, immense respect for your requirements and limitations.
    5. 100% Safe- Your personal information is treated with the maximum care, never shared with anyone other than ICICI and passed through robust, encrypted systems that have 0% tolerance towards malicious intent.

    How to Apply for ICICI Bank Credit Cards through BankBazaar?

    Applying for the ICICI Bank Credit Cards on BankBazaar is a simple 3 steps. The same are listed below-

    1. On the BankBazaar homepage, look for the navigation panel at the top. Here, choose the second menu item, ‘Credit Cards’. A drop-down with categorization based on ‘By Bank’ is spread before you. Select, ‘ICICI Bank Credit Card’ here.
    2. The resultant page lists all the credit cards as offered by ICICI Bank. Also displayed predominantly are the two buttons- ‘Check Eligibility’ and ‘Explore Card’. As these tags specify, the latter helps you understand the various features and benefits of the card better, while the former helps you ascertain your eligibility via a simple, interactive wizard.
    3. The ‘Apply’ button is prominently displayed at the end of these qualification procedures. Clicking on the same will churn the wheels into motion. Your application will next be forwarded to ICICI Bank for further processing.
    4. The applicant will receive an instant e-approval from BankBazaar.com after the successful submission of the application. Next, the bank gets in touch with you directly. You can also check the status of your application through SMS alerts and timely emails.

    Eligibility and Documentation:

    In order to avail any of the ICICI credit cards, the applicant must satisfy the following conditions:
    • He/she must be an Indian national citizen.
    • The applicant must not be younger than 23 years at the time of application. The minimum age for an add-on card holder is 18 years.
    • He/she must have a minimum monthly salary of Rs. 20,000.
    • If the applicant is self-employed, the minimum annual income must be not lesser than Rs.3 lakhs, as listed on the last IT returns document.
    • The applicant must have a clean credit record, with no obvious red flags.
    After confirming upon the eligibility, the following documents need be supplied at the time of application:
    • Identity proof (PAN Card, Voter’s ID, DL, Aadhaar Card, etc.)
    • Address proof (Any official document that displays current place of residence).
    • PAN Card.
    • IT Returns and/or Salary slips for the latest 2 months.
    • 1 Passport sized photograph.

    List of ICICI Bank Credit Cards:

    Credit Cards Type Annual Fee/ Joining Fee
    ICICI Bank Coral Credit Card Gemstone Collection Nil / Rs.6,000
    ICICI Bank Coral American Express Credit Card Gemstone Collection Nil / Rs.1,250
    ICICI Bank Rubyx Credit Cards Gemstone Collection Nil / Rs.3,000
    ICICI Bank Sapphiro Credit Cards Gemstone Collection Nil / Rs.6,000
    ICICI Bank Diamant Credit Card Gemstone Collection  
    ICICI Bank Coral Contactless Credit Card Contactless Card  
    ICICI Bank HPCL Coral American Express Credit Card Fuel Card  
    ICICI Bank HPCL Coral Visa/MasterCard Credit Cards Fuel Card Rs.199 / Nil
    ICICI Bank HPCL Platinum Credit Card Fuel Card Rs.199 / Nil
    Jet Airways ICICI Bank Coral Credit Cards Airline Card Nil / Rs.1,250
    Jet Airways ICICI Bank Rubyx Credit Cards Airline Card Nil / Rs.2,500
    Jet Airways ICICI Bank Sapphiro Credit Cards Airline Card Nil / Rs.5,000
    British Airways Premium Credit Card Account Airline Card Rs.7,000 / Nil
    ICICI Bank Unifare Mumbai Metro Credit Card Unifare Metro Cards  
    ICICI Bank Unifare Delhi Metro Credit Card Unifare Metro Cards  
    ICICI Bank Unifare Bangalore Metro Credit Card Unifare Metro Cards  
    ICICI Bank Platinum Chip Credit Card N/A Rs.199 / Nil
    ICICI Bank Instant Platinum Credit Card N/A  
    ICICI Bank Coral Credit Card Against Fixed Deposit N/A  

    ICICI Bank Credit Card FAQs:

    1. How long does it take from application submission to actually receiving my credit card?

      Usually, processing of a new credit card application to actual dispatch to the customer takes about 21 working days.

    2. What is a ‘Self-Set Limit’?

      This is a safety feature that helps you keep your credit card spends in check. Set a monthly spending limit on your main/supplementary card and any spends above this limit will be respectfully declined.

    3. I just lost my card. What must I do next?

      Intimate the ICICI Bank Customer Care immediately to block the card and avoid its misuse. This is a time-intensive step, hence must be hurried. Next, the bank will talk to you about a replacement card.

    4. How long does the ‘interest free’ period last?

      Customers who make payments of their total due amount before the payment due date are free of any interest charges. Thus, patrons can enjoy interest free durations from the date of purchase of a product/service till the payment due date. This usually ranges from 18 to 48 days.

    5. What is Auto-Debit facility?

      Auto debit is a convenient option that allows customers to issue standing instructions to clear their outstanding credit card bills directly from their ICICI Bank Accounts. The deducted amount could be set for the minimum due payment or total amount due. This facility helps the customers be prompt with their payments and avoid the incurred interest charges.

    News About ICICI Bank Credit Cards

    • Maharashtra tops the list of states with the highest demand for retail loans

      Maharashtra topped the lists of states with the highest demand for retail loans in the country. In the last financial year, there was increase in the demand for home loans in Mumbai. The demand for retail loans was also very high in the southern states of Tamil Nadu, Andhra Pradesh and Telangana. This information was disclosed in the report released by the Credit Information Bureau (India) Ltd (CIBIL).

      The CIBIL report further talks about the growth of credit cards and home loans in the country. It also mentions that there has been a significant decrease in credit card delinquency in the fiscal year 2014-15. HDFC Bank, one of the largest private sector banks in India, saw an increase in the number of credit cards issued in the last fiscal year. This was fuelled by an increase in the demand for credit cards in Mumbai, Bangalore and Pune.

      25th June 2015

    Credit Card Reviews

  • Page 1 of 50 1 2 3 4 5
    • Credit Card
      "One Card With Multiple Offers "
      ICICI BANK
      0.5 4.5/5 "Excellent!"
      I am using a ICICI bank Coral Visa Credit Card for the last two years. Every month I will be getting two movie tickets from Book My Show website and also 20% discount on dinning and hotels. Per year the annual fee is rupees 500 only.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 03, 2015
    • Credit Card
      "Best offers"
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      I am really happy with the credit card service provided by ICICI Bank.They do apply special offers on restaurants and movie tickets.I do have a coral visa card with ICICI Bank.The charges applied for the card is quite nominal but I would suggest it will be good if they waive off the same.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 03, 2015
    • Credit Card
      "I am not satisfied..."
      ICICI BANK
      0.5 1.0/5 "Really Bad"
      Got this platinum credit card one year ago but not even used once but paying annual charge as planning to close the card. I guess annual charge is of 500. I was forced to apply for the ICICI bank credit card and so took it. Frankly speaking I havenâ??t received the pin number so far. I have contacted n number of times the bank people for the pin number but no response so I left that issue.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 03, 2015
    • Credit Card
      "Good one"
      ICICI BANK
      0.5 4.5/5 "Excellent!"
      ICICI Bank credit card is really good. Name of the credit card is Coral Visa card the best part is I am getting offers on book my show movie ticket. I am holding this card for a period of 3 months. They have provided tie as the welcome gift. I am happy with the rewards points scheme and I am getting the information about ongoing offers through mailers.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 03, 2015
    • Credit Card
      "Its good"
      ICICI BANK
      0.5 4.0/5 "Great!"
      I would rate ICICI Credit card as 4. Name of the credit card is Platinum visa chip card the best part is I am getting waiver on petrol transactions. I am holding this card for a period of 6 years and I am getting waiver on all the transactions. Happy with the limit offered on this card as its the same right from day one.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 03, 2015
    • Credit Card
      "Have all the features on one card"
      ICICI BANK
      0.5 4.0/5 "Great!"
      I use a platinum chip visa credit card from ICICI Bank. The services has been good with them. The response also is good. It would be good if they have all the features together on one card. Instead of having various cards with different features. Not sure on the rate of interest offered by the card. There is a annual fee for the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 03, 2015
    • Credit Card
      "Satisfied.."
      ICICI BANK
      0.5 3.0/5 "Satisfactory"
      Not aware about the benefits on the platinum credit card but satisfied with the provided credit limit. My credit limit is of 20k but no cash limit on this card. Response from ICICI bank is very good. Not received joining bonus but I got health insurance with this credit card.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Sep 02, 2015
    • Credit Card
      "Its good"
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      My opinion about ICICI Credit card is fine. Name of the credit card is Platinum chip visa card I am holding this card for more than 10 months . Its a normal card and I am getting good rewards points and every rs 100 is equal to 2 bonus points. I only use this card for retail purchase.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 02, 2015
    • Credit Card
      "Need High Limit "
      ICICI BANK
      0.5 4.0/5 "Great!"
      Using a ICICI bank Chip Platinum Master credit card is a very good experience to me. For every 100 rupees spending I will be getting 2 rewards on the card. I personally taken this card from them since I am holding my savings account with ICICI. I am not happy with credit limit where I already given a request to them to increase that.
      Was this review helpful? 0
      , faridabad
      Reviewed on Sep 02, 2015
    • Credit Card
      "excellent"
      ICICI BANK
      0.5 4.0/5 "Great!"
      For the last 6 to 7 years am using the ICICI bank credit card. The services are good with them. They are not giving any offers and the credit limit is 41000 Rupees and I would like to increase it. Customer service is good with them. The annual maintenance and the EMI conversion charges are really high with them.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 02, 2015
    • Credit Card
      "Lot Of Offers..."
      ICICI BANK
      0.5 4.0/5 "Great!"
      I am getting waiver for purchase of fuel using this platinum card. The charges are less. I use this card more than 8 years., 3 years back icici bank they increased my credit limit. Now they have given me an option to upgrade my card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 02, 2015
    • Credit Card
      "Quick process"
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      I recently got my coral visa credit card from ICICI Bank. The process was very quick. They have given me cash back offers. Buy one get one free offer. They have 10% to 20% discount on dining. The annual fee is of 2K. The rate of interest is reasonable. Overall I am happy with the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 02, 2015
    • Credit Card
      "Equally Good "
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      I am using a ICICI bank Platinum Chip Visa credit card for the last three years. I will be getting cash on end offer where I can convert my credit limit into cash at the end of every year. Since I got this card through online website got some gift vouchers from E-zone which is really good.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 02, 2015
    • Credit Card
      "Happy with my coral card"
      ICICI BANK
      0.5 5.0/5 "Blown Away!"
      My ICICI Bank Coral visa credit card is around 6-7 months old. There is an annual fees of 500/- on the card and that is waived off if a stipulated amount is used on the card. Special benefits like free movie tickets every month is offered from ICICI Bank on this card. I have online access to my credit card account so I can check my card status any time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 02, 2015
    • Credit Card
      "Excellent services"
      ICICI BANK
      0.5 3.0/5 "Satisfactory"
      I got good options for my coral visa credit card with ICICI Bank. The services has been excellent and the response was always good from the bank. They have a good reward point system and a EMI facility. I am not satisfied with the credit limit. The rate of interest is okay. I need to pay a annual fee for the card.
      Was this review helpful? 2
      , bangalore
      Reviewed on Sep 02, 2015
    • Credit Card
      "Okay "
      ICICI BANK
      0.5 3.0/5 "Satisfactory"
      Credit limit is less with the ICICI bank and the services are nice with them. Offers with the ICICI bank credit card are payback points and the rewards points. Billing procedures are good with them. Customer service is good with them and the call connectivity time with them is also nominal with them. ICICI credit card is not having any offers in the e commerce website while compare with the HDFC bank credit card as per my experience.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 02, 2015
    • Credit Card
      "Good one"
      ICICI BANK
      0.5 4.0/5 "Great!"
      Interest rate offered by ICICI Bank credit card was good. Name of the credit card is Platinum card. I was holding this credit card for a period from 2008 and 2009 and it was before 3 or 4 years I have closed the card and no issues with them and the limit was one and the same right from the start.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 02, 2015
    • Credit Card
      "Existing customers can be treated nicely"
      ICICI BANK
      0.5 4.0/5 "Great!"
      I am having the good experience with the ICICI bank credit card. They are having the good tie ups with the fuel station, So we can get the good reimbursement from them. From the credit limit perspective they are good. They are technically good and while it comes to the customer service they need to work a lot.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 02, 2015
    • Credit Card
      "Charges can be reduced.."
      ICICI BANK
      0.5 4.0/5 "Great!"
      I have used this visa coral credit card in airports to get free launches and at time I get movie ticket offer but that too available in particular time. Interest rate depends on how we pay the payment and if we donâ??t pay it on time the charges would be heavy. ICICI bank not charging for annual maintenance. I advise people to take the card but not to go for card protection service as the banks start charging high.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 02, 2015
    • Credit Card
      "Need One More.."
      ICICI BANK
      0.5 3.0/5 "Satisfactory"
      This is my first credit card and ICICI bank provided the same. I have a smart shoppers card. I use this rarely, not looking for any benefits. I have done EMI conversions, the interest rate is high. When my salary increased neither they increased my credit limit nor they gave me another card when I applied. So I thought I can go for any other cards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 02, 2015
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