ICICI Credit Card

ICICI Bank Credit Cards are among the most sought-after financial products offered by the bank and among the best in the industry. The bank offers a wide range of credit cards under different categories which are specifically curated to meet the needs of the customers.

The bank offers both personal credit cards and commercial credit cards. While ICICI’s personal credit cards offer a wide range of benefits and features related to lifestyle, travel, rewards, services and lot more, ICICI’s corporate credit cards provide tailored solutions to small and mid-sized enterprises as well as big corporates.

Due to the COVID-19 pandemic, to ensure safety, ICICI Bank contactless credit cards have been introduced for customers to minimise any contact during transactions.

All About ICICI Bank Credit Cards

Features and Benefits of Top 10 ICICI Bank Credit Cards

ICICI Bank Coral Contactless Credit Card

Key Highlights: ICICI Coral Contactless credit card which comes with a wide range of shopping, lifestyle and entertainment benefits.

Joining Fee: Rs.500

Renewal Fee: Rs.500. Waived off if annual spends exceed Rs.1.5 lakh.

Joining Bonus: Joining fee waived if applied through BankBazaar and Rs.2,000 is spent within the first 60 days of card issuance.

Reward Redemption: Can be converted into cash or redeemed to purchase different vouchers.

Suitable for: Shopping and travel

Features and Benefits:

• Pay for 1 movie ticket and get a second ticket free on BookMyShow.
• 2 PAYBACK points for every Rs.100 spent on the card.
• Get up to 10,000 additional reward points at the end of every anniversary year.
• Submit required documents to avail vouchers from Spykar, GrabOn, and Lenskart.
• One complimentary visit per quarter to the domestic airport and railway lounges.

ICICI Bank Platinum Chip Credit Card

Key Highlights: This ICICI Platinum Chip Credit Card is best suitable for online shopping and regular expenses.

Joining Fee: Nil

Renewal Fee: Nil

Features and Benefits:

Reward Redemption: Can be redeemed to purchase movie and travel vouchers.

Suitable for: Lifestyle expenses and shopping.

• 2 PAYBACK points given on every Rs.100 spent on retail purchases.
• For every Rs.100 spent on other expenses, 1 PAYBACK point given.
• A discount of 15% on dining at participating restaurants.

MakeMyTrip ICICI Bank Platinum Credit Card

Key Highlights: Co-partnered with MakeMyTrip, the MakeMyTrip ICICI Bank Platinum Credit Card offers best-in-class travel features along with benefits across other categories.

Joining Fee: Rs.500

Annual Fee: Nil

Rewards Redemption: My Cash can be redeemed for bookings on MakeMyTrip or vouchers across other categories.

Suitable for: Travel expenses.

Features and Benefits:

• Get a cashback of up to Rs.1,400 and up to Rs.200 additional cashback on credit card EMI bookings of domestic flights.
• Discount of up to Rs.12,500 on international flight bookings on MakeMyTrip.
• Up to Rs.10,000 discount on international hotel bookings through the MakeMyTrip website or mobile application.
• Welcome offer of Rs.500 My Cash and a Rs.2,000 voucher for LemonTree Hotels on payment of joining fee.

ICICI Bank HPCL Coral Credit Card

Key Highlights: Co-partnered with Hindustan Petroleum, the ICICI HPCL Coral Credit Card offers a wide range of benefits on fuel expenses and other categories.

Joining Fee: Rs.199

Annual Fee: Rs.199 (2nd year onwards)

Rewards Redemption: PAYBACK points can be redeemed to purchase vouchers from ICICI Bank Rewards across various categories.

Suitable for: Domestic Travel and Entertainment

Features and Benefits:

• 2.5% cashback and savings of 1% on fuel purchases made at HP petrol pumps.
• Up to Rs.100 discount on up to 2 movie tickets booked on BookMyShow app per month.
• 15% discount on dining spends.
• 2 PAYBACK points given for every Rs.100 spent on retail purchases except fuel.

ICICI Bank Amazon Pay Credit Card

Key Highlights: Co-partnered with Amazon, this ICICI Amazon Pay credit card offers top-class benefits on shopping expenses and other categories.

Joining Fee: Nil

Annual Fee: Nil

Rewards Redemption: Reward points can be used to purchase items at Amazon.in.

Suitable for: Shopping

Features and Benefits:

• With ICICI Amazon Pay Shopping Credit Card get 5% cashback on online spends for Amazon Prime customers.
• Cashback of 3% given on online purchases for non-Amazon Prime customers.
• 1% cashback given on all other spends.
• No annual fee.

ICICI Bank Manchester United Platinum Credit Card

Key Highlights: Shopping credit card in partnership with Manchester United Football Club.

Joining fee: Rs.499

Annual fee: Rs.499 (Waived off if annual spends exceed Rs.1.25 lakh.

Rewards Redemption: N/A

Suitable for: Shopping and Entertainment

Features and Benefits:

• 2 PAYBACK points for every Rs.100 spent on ICICI Manchester United Platinum Credit Card.
• Branded Manchester United football as a welcome gift.
• 10% discount on purchases at stores at the Manchester United stadium and museum.
• Private tour of Manchester United Stadium and museum (for top spenders).
• 10% discount at Red Café, Old Trafford, Manchester.
• 25% discount up to Rs.100 on movie ticket purchases.
• 1 complimentary access to the domestic airport lounge in a year.

ICICI Bank Coral American Express Credit Card

Key highlights: ICICI Bank Coral American Express credit card with top benefits across all various categories.

Joining fee: Rs.500

Annual fee: Rs.500

Rewards Redemption: PAYBACK points can be redeemed for movie vouchers, lifestyle and dining vouchers.

Suitable for: Shopping, entertainment and dining.

Features and Benefits:

• 1 complimentary access to participating domestic airport lounges by spending a minimum of Rs 5,000.
• Get a 25% discount, up to Rs.100 on purchase of minimum 2 movie tickets per transaction.
• 2 PAYBACK points on every Rs.100 spent on the card.
• 4 PAYBACK points given on every Rs.100 spent on online purchases.
• Access to a wide range of offers across various categories with American Express Connect.
• Avail discounts on dining at partner restaurants with ICICI Bank Culinary Treats program.

ICICI Bank Expressions Credit Card

Key Highlights: ICICI Bank Expressions Credit Card is a personalised credit card offering benefits across categories such as shopping, rewards and dining.

Joining fee: Rs.500

Annual fee: Rs.500 (Waived off if annual spends exceed Rs.1.5 lakh).

Rewards Redemption: PAYBACK reward points can be redeemed for travel and shopping vouchers.

Suitable for: Shopping and dining.

Features and Benefits:

• Cardholders can design their credit card by choosing from a gallery of more than 150 images.
• 3 PAYBACK points for every Rs.100 spent on the card.
• A discount of up to Rs.100 on movie ticket purchases on BookMyShow.
• 1 complimentary lounge access at domestic airports per quarter on spending more than Rs.5,000 in a quarter.
• Avail discounts on dining through the ICICI Bank Culinary Treats Program.

ICICI Bank Unifare Metro Cards

Key highlights: Dual purpose of metro card and a credit card and used for metro travel in Mumbai, Chennai and Delhi.

Joining fee: Rs.299

Annual fee: Rs.299

Rewards Redemption: PAYBACK points can be redeemed for movie or travel vouchers or purchase of lifestyle products, etc.

Suitable for: Domestic Travel

Features and Benefits:

• Auto recharge facility set up after a certain spend limit is crossed.
• Up to 20% discount on the metro fare at Mumbai metro.
• Up to 10% discount on the metro fare at Delhi metro.
• Up to 15% discount on the metro fare at Chennai metro.
• 15% discount on dining at partner restaurants with the Culinary Treats Program.
• 1% fuel surcharge waiver on fuel spends.

Eligibility to Apply for ICICI Bank Credit Card

To avail any of the ICICI credit cards, the applicant must fall under the given eligibility criteria:

• 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 cardholder is 18 years.
• 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.

Documents Required to Apply for ICICI Credit Cards

Apply for ICICI Bank Credit Card through ICICI Bank website

• Visit the official website of ICICI Bank Click on ‘Products’ which is on top of the homepage.
• Choose ‘Credit Cards’ options from the drop-down
• You will be redirected to ICICI Credit Cards main page, where you will find all the credit cards offered by the bank
• Choose a credit card that suits your needs and click on ‘Apply Now’
• You will be redirected to a new page where you need to fill the online application form
• Fill all the required details and click on ‘Get offers’

If the provided details match the eligibility criteria set by ICICI Bank, you will receive a call back from the bank’s representative.

The rest of the credit card application process will be informed to you over the phone.

Apply for ICICI Bank Credit Card Offline

Alternatively, you can also apply for ICICI Bank credit card by visiting the nearest branch of ICICI Bank. Once you visit the branch office and inquire about the process to apply for a credit card you will be handed over with a credit card application form and will be asked to fill the form and submit it along with the required documents.

Once you submit the credit card application, once all the background verification is done your credit card will be processed in 10 to 15 business days.

Additionally, customers can also contact the bank by calling the customer care service that ICICI operates. This service is generally available 24/7 on all days of the week.

Reward Points Offered on Top 10 ICICI Bank Credit Cards

Other ICICI Bank Credit Cards

ICICI Bank Sapphiro Visa Credit Card

Features and Benefits of ICICI Bank Sapphiro Visa Credit Card

• Get 2 reward points for every Rs.100 spent on domestic expenses
• 2 domestic lounge visits and 2 spa sessions at airports across the country.
• Complimentary DragonPass membership.
• Complimentary golf round for every Rs.50,000 spent in the previous calendar month. Maximum of 4 complimentary rounds per month.
• Buy one ticket and get a discount of Rs.500 on the second ticket through BookMyShow.

ICICI Bank Rubyx Visa Credit Card

Features and Benefits of ICICI Bank Rubyx Visa Credit Card

• Earn 2 reward points on every Rs.100 spent on domestic spends and 4 reward points on every Rs.100 spent on international spends.
• Complimentary DragonPass membership worth $99.
• 3,000 reward points on spending Rs.3 lakh on the credit card.
• Complimentary access to railway lounges.
• Up to 2 complimentary golf rounds per month. 1 complimentary round of golf on spending Rs.50,000 in a month.

ICICI Bank Carbon Credit Card

Features and Benefits of ICICI Bank Carbon Credit Card

• Buy one ticket and get the other ticket free through BookMyShow.
• Get 2 PAYBACK points for every Rs.100 spent on the card.
• A discount of 15% on dining at select restaurants with the ICICI Bank Culinary Treats Program.
• Fuel surcharge waiver of 2.5% on all fuel spends.
• 4 complimentary visits to domestic airport lounges per quarter.

ICICI Bank Visa Signature Credit Card

Features and Benefits of ICICI Bank Visa Signature Credit Card

• Welcome benefits of 30,000 Hand Picked Rewards. They can be redeemed against brands available from the Hand-Picked Rewards Catalogue.
• 1 complimentary round of golf if Rs.1 lakh is spent in the previous month.
• Complimentary Priority Pass Membership worth $99.
• Earn up to 10 Hand-Picked Rewards per Rs.100 spent on the card.

ICICI Bank Platinum Identity Credit Card

Features and Benefits of ICICI Bank Platinum Identity Credit Card

• 2 Hand-picked Rewards for every Rs.200 spent on domestic expenses.
• Earn up to 8 Hand-picked Rewards for every Rs.200 as accelerated rewards.
• Complimentary Priority Pass Membership worth $99.
• Fuel surcharge waived off on fuel spends at all petrol pumps.

ICICI Bank Ascent American Express Credit Card

Features and Benefits of ICICI Ascent American Express Credit Card

• Joining benefit of 4,000 Hand-picked Rewards.
• Earn 6 Hand-picked Rewards on every Rs.200 spent on dining and shopping expenses.
• 3 Hand-picked Rewards on every Rs.200 spent on other expenses.
• Earn up to 12 Hand-picked Rewards on every Rs.200 spent as accelerated rewards.

ICICI Bank British Airways Classic Credit Card

Features and Benefits of ICICI British Airways Classic Credit Card

• Welcome bonus of 3500 Avios on the first transaction made with the British Airways Classic Credit Card.
• Get 25,000 Avios on booking a return ticket from England to India through British Airways within the first 3 months of card issuance.
• 2 Avios given on every Rs.100 spent on everyday expenses on American Express credit card.
• 2.5 Avios earned for every Rs.100 spent on tickets from British Airways and in-flight purchases on your Amex card.

ICICI Bank Titanium Credit Card

Features and Benefits of ICICI Bank Titanium Credit Card

• Get 2 PAYBACK points on every Rs.100 spent.
• Fuel surcharge waiver of 2.5% on fuel spends at HP petrol pumps.

FAQs on ICICI Bank Credit Card

1. How long does it take from application submission to receiving my ICICI Bank 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’ on ICICI Bank Credit Cards?

   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 ICICI Bank credit 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 for my ICICI Bank Credit Card?

   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 the Auto-Debit facility offered on ICICI Bank Credit Cards?

   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.

6. Can I have two ICICI Bank credit cards?

   Yes, you can have two or more credit cards of ICICI Bank. However, the bank will deem you financially fit to hold two or more of the credit cards. This will depend on your credit card utilisitation ratio, the credit score, your credit report along with any kind of defaults in payment.

7. Is the ICICI Bank Platinum credit card free?

   No, the ICICI Bank Platinum credit cards are not free of cost. They come with a joining fee of Rs.199 along with a renewal fee/annual fee of Rs.99 from the second year onwards.

8. What is the credit limit for an ICICI Bank credit card?

   The credit limit of your card will be given at the bank’s jurisdiction. ICICI Bank will be considering several factors before assigning the credit limit of your card. Some of the factors are the credit score, credit report, payment defaults, the credit ratio utilisation along with your repayment habits of any past and ongoing debts.