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

    ICICI Bank is one of the top credit card issuers in the country, offering cards with exciting benefits such as cashback, reward points, shopping, dining, travel, etc., coupled with competitive interest rates in the market.

    Below is the list of basic eligibility criteria that you should meet to apply for ICICI credit card.

    • You should be between 20 to 60 years years of age.
    • Regular source of monthly income with annual salary of Rs.2.5 lakh.
    • Good credit score.
    • Resident of India or NRI.
    • You should be a salaried or self-employed individual.
    • No existing debt.

    Documents Required to Apply for ICICI Bank Credit Card

    Below is the list of documents required to avail a credit card from ICICI Bank.

    • KYC documents such as Passport, Voter Id card, Driving Licence, etc.
    • Permanent Account Number (PAN) card or Form 60 if PAN is unavailable.
    • Income proof such as salary slips, bank statement, Form 16, and income tax returns.
    • Bank or credit card statements.

    Factors Affecting Your Eligibility Criteria for an ICICI Bank Credit Card

    There are several important factors that affect your ICICI Bank credit card eligibility. Below are a few of the primary factors which you should fulfil to avail an ICICI credit card.

    Age Matters: Age of the applicant is one of the primary factors, which decides the eligibility and the repayment capacity of the applicant.

    Stable Income: Your income plays an important factor and the chances of your credit card application being approved are high when you have a high monthly income.

    Good Credit Score: Credit history is a clear indication of how an individual manages credit-related activities. A high credit score increases your creditworthiness.

    FAQs on ICICI Credit Card Eligibility

    1. How can I increase my credit card limit?

      You can increase your credit card limit after you have completed a year of membership for an ICICI Bank credit card. You can increase the credit card limit by sending CRLIM last 4 digits of Card to 5676766. You can also increase your credit card limit by using the ICICI Bank mobile app where under ‘Credit Card’, click on ‘Manage Limit’, followed by ‘Desired Credit Limit’. You can log in to the ICICI Bank net banking portal, where under ‘Credit Card Account’, click on ‘Manage Credit Limit’. You can also get in touch with an ICICI Bank customer care executive and request for an increase in your credit card limit.

    2. Will my credit score get affected if I delay in paying my credit card bills on time?

      Yes, your credit score will get severely affected if you delay the payment of your credit card bills on a timely basis. Hence, make sure to pay your bills on time to ensure your credit score remains healthy.

    3. What should I do in the event of losing my credit card?

      If you lose your credit card by any chance, immediately inform the bank and get the card blocked to prevent misuse. You may also have to furnish a copy of an FIR stating the loss of your credit card. The bank will then issue you a replacement card.

    4. What is ‘minimum amount due’?

      ‘Minimum amount due’ as the name suggests is the minimum amount bill amount you will have to pay to the bank to keep your credit card active and prevent the bank from charging the bank any late payment fee on your total credit card bill. On paying the minimum amount due, you ensure that you will only pay the interest rate chargeable on the outstanding amount and no other fee.

    5. How can I cancel my credit card account?

      If you wish to cancel your credit card account, get in touch with an ICICI Bank customer care executive who will help you with the process of cancelling your credit card account. However, before getting your credit card account cancelled, ensure to clear your outstanding credit card dues.

    6. Can I apply for a new credit card without a salary slip?

      Yes, you can apply for a credit card without salary slip by submitting your tax return acknowledgement.

    7. Can a housewife apply for credit card?

      Yes, housewives can apply for credit cards such as secured credit card or an Add-on credit card. A housewife will be issued with a Secured credit card against her fixed deposits. A housewife can be issued with an Add-on credit cards if she is an immediate family member of the primary card holder.

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