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    ICICI Add-on Credit Cards

    If there is one product that has had a significant impact on the financial world, it is without doubt a credit card. These plastic cards may look small and unassuming but the power they wield is significantly bigger. Introduced in the 1950s, credit cards have changed the financial landscape of global economy. Credit cards are similar to loans that can be availed through a swipe of the card. Unlike debit cards where individuals use their own money to pay for purchases, with a credit card funds are withdrawn on credit and will have to be repaid. Almost all banks and financial institutions today provide credit cards to their customers.

    One of the biggest advantages of credit cards is the convenience offered by them. Instead of having to carry a whole wad of cash, customers can just use their credit cards as it is accepted almost everywhere across the world. Additionally, credit cards, when used have other advantages as well. Each time individuals use their credit card to pay for a product or a service, they will earn Reward Points, dining discount, AirMiles or even waiver of fuel surcharges based on the features of the credit card. These Reward Points can also be exchanged for gifts and other perks from the company’s Rewards Catalogue.

    Who can avail ICICI Add-on Credit Cards?

    Due to its popularity, this financial product can be availed from a number of banks and financial providers as long as the eligibility criteria is met. Not everybody can avail credit cards however, as there are certain conditions that need to be met before one becomes eligible to avail this financial tool. This is due to the fact that credit cards are not free. In addition to joining fee and/or annual fee, customers will have to pay the credit card bill every month during the billing cycle. In case cardholders are unable to pay the bill completely, they can also pay just the minimum amount that is due. However, in case the bill is not paid in full, an interest rate will be imposed on the subsequent payments. If left unchecked, this amount can end being quite hefty resulting in the cardholder falling into a debt trap. Therefore, one must be able to afford a credit card.

    Therefore, only if an individual meets the required eligibility criteria can he/she procure a credit card. Eligibility factors for a credit card varies depending on the age, income and credit score of the applicant, among other factors. However, sometimes individuals may not meet the above criteria for various reasons and these applicants can avail an add-on or supplementary credit card.

    Supplementary credit cards on the other hand can be availed by family members of the primary cardholder only if they meet the required eligibility criteria such as age and if they are related to the primary cardholder.

    What is an ICICI Bank Add-on Credit Card?

    Supplementary or add-on credit cards are additional cards provided under the primary credit card to relatives of the primary cardholder. These cards usually have the same benefits and credit limit as the primary credit card and can be utilised similarly. Additionally, add-on credit cardholders can avail Rewards Points and AirMiles along with other discounts every time they use their credit card to pay for products or services. The number of add-on credit cards that can be availed depends on the credit card issuer but is usually between 3 to 5 cards. Individuals can avail add-on credit cards for their family members such as children who are adults, spouse, siblings and so on.

    One of the most popular and well-known banks in the country, ICICI Bank is known for their customer friendly services and plethora of product offerings. As part of their retail banking portfolio, ICICI Bank provides credit cards and debit cards among other products. Supplementary credit cards can also be availed by family members of the primary cardholder.

    Eligibility for ICICI Bank Add-on Credit Cards

    In order to avail an add-on credit card, the applicant must meet the following eligibility criteria -

    • Applicants must be above the age of 18.
    • Applicants must be an immediate blood relation of the primary cardholder such as his/her children, spouse, parents, parents-in-law, siblings and so on.
    • The primary cardholder must approve the request for the add-on credit card.

    Other criteria may be imposed based on the terms and conditions of ICICI Bank.

    Documents Required for ICICI Bank Add-on Credit Cards

    In case an applicant is eligible to avail an add-on credit card from ICICI Bank, the following documents will have to be furnished so as to complete the application process -

    • Application form that has been completely filled.
      • This form can be downloaded from the ICICI Bank website by scrolling to the bottom of the page wherein there is a section titled ‘Others’. Under this, ‘Form Center’ must be chosen which will then redirect customers to another page.
      • ‘Personal banking’ must be selected next followed by ‘credit cards’ under which the option for ‘supplementary card request’ will have the form.
    • Self attested proof of identity such as PAN card, Aadhaar card or Passport.
    • Self attested proof of address such as Voter ID, Passport or Aadhaar card.

    Additional documents may be asked for based on the requirements of ICICI Bank. It is important to note that add-on credit cards will not be provided unless KYC or Know-Your-Customer documents are not provided.

    How to apply for ICICI Bank Add-on Credit Cards Online

    Individuals can apply for supplementary credit cards from ICICI Bank through the following channels -

    Customer Care

    Applicants can contact the ICICI Bank customer Care Centre that is available at all times on all days of the week from their registered mobile number from 7 a.m. to 9 p.m.

    Additionally, applicants can also write to the ICICI Bank customer care email id at customer.care@icicibank.com.

    ICICI Bank branch

    Applicants can also contact ICICI Bank for an add-on credit card by visiting one of the numerous branches of the bank and apply for the same.

    Features and Benefits of ICICI Bank Add-on Credit Cards

    Supplementary credit cards are usually procured by the primary cardholder for relatives when they are not eligible for it on their own. These credit cards have certain unique features and benefits as listed below -

    • Supplementary credit cards from ICICI Bank come with a number of perks that can be enjoyed by the cardholder. These perks are usually the same as that available on the primary credit card such as AirMiles, Fuel surcharge waiver and so on.
    • Additionally, each time ICICI Bank add-on credit cardholders use their card, they can avail points that can be redeemed at a later date. Apart from this dining and shopping discounts can also be enjoyed.
    • The credit limit of ICICI Bank supplementary credit cards are the same as that of the primary credit card. However, in certain cases the limit on supplementary credit cards may be lower than that of the primary card.
    • The primary cardholder has the option to track the spends made on all add-on credit cards separately. Additionally, the spend limit on each of the cards can also be adjusted.
    • Most of these credit cards can also be used abroad, subject to certain terms and conditions.

    Fees and Charges for ICICI Bank Add-on Credit Cards

    Fees and charges for an ICICI Bank Add-on credit card varies based on the type of credit card chosen.

    ICICI Bank Credit Card Variant Add-on Credit Card fee Annual/One-Time
    ICICI Bank Sapphiro Credit Card Nil Annual
    ICICI Bank Sapphiro Visa Credit Card Nil Annual
    ICICI Bank British Airways Premium Credit Card Account Nil Annual
    ICICI Bank British Airways Classic Credit Card Account Nil Annual
    ICICI Bank Rubyx Credit Card Nil Annual
    ICICI Bank Signature Credit Card Nil Annual
    ICICI Bank Rubyx Visa Credit Card Nil Annual
    Jet Airways ICICI Bank Rubyx American Express Credit Card Rs.250 Annual
    Jet Airways ICICI Bank Sapphiro Visa Credit Card Rs.250 Annual
    Jet Airways ICICI Bank Sapphiro American Express Credit Card Rs.250 Annual
    Jet Airways ICICI Bank Coral Visa Credit Card Rs.250 Annual
    Jet Airways ICICI Bank Rubyx Visa Credit Card Rs.250 Annual
    Jet Airways ICICI Bank Coral American Express Credit Card Rs.250 Annual
    Ferrari Signature Credit Card by ICICI Bank Nil Annual
    Ferrari Platinum Credit Card by ICICI Bank Nil Annual
    ICICI Bank Ascent American Express® Credit Card Nil Annual
    ICICI Bank Platinum Identity Credit Card Nil Annual
    ICICI Bank Coral Credit Card Nil Annual
    ICICI Bank Coral American Express Credit Card Nil Annual
    ICICI Bank Carbon Nil Annual
    ICICI Bank HPCL Platinum Credit Card/ICICI Bank HPCL Coral Credit Card/ ICICI Bank HPCL Titanium Credit Card Nil Annual
    ICICI Bank Platinum Chip Credit Card Nil Annual
    ICICI Bank Unifare Credit Card Rs.299 One-time
    ICICI Bank Expressions Credit Card Rs.199 One-time

    ICICI Bank Credit Cards with Add-on Options

    Given below are the list of cards that come with a supplementary credit card option -

    • ICICI Bank Sapphiro Credit Card
    • ICICI Bank Sapphiro Visa Credit Card
    • ICICI Bank British Airways Premium Credit Card Account
    • ICICI Bank British Airways Classic Credit Card Account
    • ICICI Bank Rubyx Credit Card
    • ICICI Bank Signature Credit Card
    • ICICI Bank Rubyx Visa Credit Card
    • Jet Airways ICICI Bank Rubyx American Express Credit Card
    • Jet Airways ICICI Bank Sapphiro Visa Credit Card
    • Jet Airways ICICI Bank Sapphiro American Express Credit Card
    • Jet Airways ICICI Bank Coral Visa Credit Card
    • Jet Airways ICICI Bank Rubyx Visa Credit Card
    • Jet Airways ICICI Bank Coral American Express Credit Card
    • Ferrari Signature Credit Card by ICICI Bank
    • Ferrari Platinum Credit Card by ICICI Bank
    • ICICI Bank Ascent American Express® Credit Card
    • ICICI Bank Platinum Identity Credit Card
    • ICICI Bank Coral Credit Card
    • ICICI Bank Coral American Express Credit Card
    • ICICI Bank Carbon
    • ICICI Bank HPCL Platinum Credit Card/ICICI Bank HPCL Coral Credit Card/ ICICI Bank HPCL Titanium Credit Card
    • ICICI Bank Platinum Chip Credit Card
    • ICICI Bank Unifare Credit Card
    • ICICI Bank Expressions Credit Card

    For other options, customers will have to contact ICICI Bank directly.

    FAQs on ICICI Bank Add-on Credit Cards:

    1. How many add-on credit cards can an individual avail from ICICI Bank?
    2. Customers can procure up to 3 add-on credit cards from ICICI Bank.

    3. Who pays the bills for an add-on credit card?
    4. Credit card bill for a supplementary credit card is paid by the primary cardholder.

    5. How is credit score calculated on a supplementary credit card?
    6. Credit score will not be calculated for a supplementary credit card. Instead all activities will be reflected in the primary cardholder’s credit report. Hence the add-on credit card must be used judiciously.

    7. What is the credit limit applicable for an ICICI Bank add-on credit card?
    8. The credit limit for an ICICI Bank add-on credit card is either the same or lesser than that of the primary credit card based on the terms and conditions of the bank.

    9. Who is eligible to avail an ICICI Bank add-on credit card?
    10. Immediate blood relatives of the primary cardholder can avail an add-on ICICI Bank credit card.

    Know More About Other Bank Add-on Credit Card

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