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.
Check Other Banks Credit Card Eligibility
Below is the list of documents required to avail a credit card from ICICI Bank.
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.
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.
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.
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.
‘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.
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.
Yes, you can apply for a credit card without salary slip by submitting your tax return acknowledgement.
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.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.