ICICI Credit Card

ICICI Bank Credit Cards are one of the most sought-after credit cards in the industry. The bank provides a wide variety of credit cards customised to meet the needs of different categories of individuals. It 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 corporate credit cards provide tailored solutions to small and mid-sized enterprises as well as big corporates.

With a tagline ‘A credit card for every need’, the bank has been doing an impressive job in introducing new credit cards to reach individuals in every nook and corner. Let’s explore further to know about different categories of cards offered by ICICI Bank, their fees and benefits, eligibility and other details to have a comprehensive idea about the bank’s credit card portfolio.

Features and Benefits of Top ICICI Bank Credit Cards

ICICI Bank Coral Contactless Credit Card

• Exclusive offer through BankBazaar: Spend Rs.2,000 or more on retail purchases within the first 60 days from the date of issuance of the card to get a waiver on the joining fee
• Pay for 1 movie ticket and get a second ticket free on BookMyShow
• 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 domestic airport and railway lounges

ICICI Bank Sapphiro Credit Cards

• On payment of joining fees, cardholders get welcome vouchers worth Rs.10,000 which can be used for shopping and travel.
• Cardholders also get Rs.20,000 PAYBACK points on every anniversary year.
• As a courtesy from Mastercard and American Express, customers with ICICI Bank Sapphiro Credit Card get 4 complimentary domestic airport lounge visits every quarter.
• Cardholders also get a Dreamfolks DragonPass Lounge Access Programme membership under which they get 2 complimentary international airport lounge visits every calepndar year and 2 complimentary domestic airport spa visits per calendar year.
• Based on the eligible spends on the ICICI Bank Sapphiro Credit Card, customers also get to enjoy up to 4 complimentary rounds of golf every month at any gold course of their choice.
• Under the Culinary Treats Programme, customers also get a minimum 15% savings on dining bills which is applicable at over 2,500 plus restaurants across the country.
• Up to 6 PAYBACK points on every Rs.100 spent on the card. Reward points can be redeemed for 600 gifts and rewards from the PAYBACK catalogue.

Fees and Charges Associated with Top ICICI Bank Credit Cards

ICICI Gem Collection Credit Cards

ICICI Bank Coral American Express Credit Card

• Up to 10,000 PAYBACK points on every renewal
• One free airport lounge visit and railway lounge visit
• 50% more reward points on online spends
• Exclusive offers on movies and dining
• Wide range of offers on travel, dining, retail through Amex Connect programme

ICICI Bank Coral Master/Visa Credit Card

• Up to 10,000 PAYBACK points on every renewal
• One free airport lounge visit and railway lounge visit
• Two free movie tickets every month
• 15% discount on dining spends
• Two payback points on every Rs.100 spent on the card. The reward points can be redeemed for cash or gifts

ICICI Bank Sapphiro American Express Credit Card

• Welcome vouchers worth Rs.10,000 on paying the joining fee
• Up to 20,000 PAYBACK points on every renewal
• Amex Card privileges include 2 complimentary international lounge visits per year
• Free golf rounds every month

ICICI Bank Sapphiro MasterCard Credit Card

• Welcome vouchers worth Rs.10,000 on paying the joining fee
• Up to 20,000 PAYBACK points on every renewal
• Free golf rounds every month
• MasterCard privileges include 4 free domestic airport lounges per quarter

ICICI Bank Rubyx American Express Credit Card

• Welcome gift includes a gift voucher worth Rs.5,000
• Up to 15,000 payback points on every renewal
• Complimentary golf rounds every month
• American Express Privileges include 2 complimentary railway lounge visits and airport lounge access per quarter

ICICI Bank Rubyx MasterCard Credit Card

• Welcome gift includes a gift voucher worth Rs.5,000
• Up to 15,000 payback points on every renewal
• Complimentary golf rounds every month
• MasterCard privileges include 2 complimentary airport lounge visits and railway lounge visits in India per quarter

ICICI Bank Fuel Credit Cards

ICICI Bank HPCL Coral American Express Credit Card

• 6 rewards points on every Rs.100 spent on fuel at HPCL petrol pumps
• Rs.100 discount on up to 2 movie tickets booked on Book My Show app per month
• 15% discount on dining spends
• Amex privileges include 8 complimentary visits of domestic airport lounges per calendar year and special offers on various categories through Amex Connect

ICICI Bank HPCL Coral Visa/ MasterCard Credit Card

• 2.5% cash back on fuel spends at all HPCL petrol stations
• 1% fuel surcharge waiver
• 2 reward points on every Rs.100 spent on the card. Reward points can be redeemed instantly at HPCL outlets for fuel purchases
• Special discounts on movie tickets booked through Book My Show app
• 15% discount on dining spends at participating restaurants

ICICI Bank HPCL Platinum Credit Card

• Rs.100 cashback on fuel spends at HP petrol pumps
• 2 reward points on every Rs.100 spent on the card. Reward points can be redeemed instantly at HPCL outlets for fuel purchases
• 1% fuel surcharge waiver
• Spend Rs.50,000 in a year and avail annual fee reversal for the next year
• 15% discount on dining spends at participating restaurants

ICICI Bank Unifare Metro Cards

ICICI Bank Unifare Mumbai Metro Credit Card

• A Mumbai Metro Smartcard coupled with the advantages of a credit card
• Welcome gift includes a preloaded Mumbai Metro wallet worth Rs.100
• Auto recharge facility that recharges the metro card automatically with Rs.200 whenever the balance on the chip card drops below Rs.50
• Up to 12.5% discount on Mumbai Metro travel fare
• Every auto recharge transaction will earn 8 PAYBACK points
• A minimum discount of 15% on dining spends at leading hotels and restaurants in India
• Fuel surcharge waiver valid at all HP petrol pumps

ICICI Bank Unifare Delhi Metro Credit Card

• Welcome gift includes a preloaded amount of Rs.100 on Delhi Metro Transit chip
• Auto top-up facility that recharges the metro card automatically with Rs.200 whenever the balance on the chip card drops below Rs.100
• 10% discount on Delhi Metro travel fare
• Every auto top-up transaction will earn 8 PAYBACK points
• A minimum discount of 15% on dining spends at 2,500 leading hotels and restaurants located in 12 major cities across India
• 1% fuel surcharge waiver valid at all HP petrol pumps
• Annual fee for the next year will be reversed if the total credit card spend in the current year is equal to Rs.50,000 or more

ICICI Bank Unifare Bangalore Metro Credit Card

• An ICICI credit card combined with a Namma Metro Smartcard
• A new card comes preloaded with an amount of Rs.100 that can be used to purchase tickets at Namma Metro
• Auto recharge facility that recharges the metro card automatically with Rs.200 whenever the balance on the chip card drops below Rs.100 using the credit balance on the card
• Get up to 15% discount on Namma Metro travel fare
• Every auto recharge transaction will earn 8 PAYBACK points
• 1% fuel surcharge waiver valid at all HP petrol pumps

ICICI Bank Featured Credit Cards

ICICI Bank Platinum Chip Credit Card

• Built-in contactless technology that enables contactless payments
• 15% discount on dining at over 800 restaurants
• 2 payback points on every Rs.100 spent on the card
• Spends Rs.50,000 and get annual fee waiver in the subsequent year
• 1% fuel surcharge waiver on fuel spends at HPCL petrol pumps

ICICI Bank Expressions Credit Card

• 3 reward points on every Rs.100 spent on the card
• Discount on movie tickets booked through Book My Show app
• One free domestic lounge visit at Indian airports
• 15% savings on dining at select hotels and restaurants
• 1% fuel surcharge waiver at all HPCL petrol stations

Eligibility To Apply For ICICI Bank Credit Card

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.

Documents Required to Apply for ICICI Credit Cards

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.

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-

• 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.

• 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!!

• 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.

• 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!

Apply for ICICI Bank Credit Card through ICICI Bank website

• Visit the official website of ICICI Bank (https://www.icicibank.com/card/credit-cards/credit-card.page)
• 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.

ICICI Bank Credit Card FAQs:

1. How long does it take from application submission to actually 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 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. This facility helps the customers be prompt with their payments and avoid the incurred interest charges.

6. What is the best credit card from ICICI Bank?

Since ICICI Bank offers a wide range of credit cards to choose from across a range of categories, the best credit card for a person will be according to what the credit card will be used for. If the primary expenditure of the cardholder is on travel, then any one of the travel credit cards would be the best. Similarly, across other categories such as fuel, dining or entertainment, the cards under these categories and offering the best features and benefits will be adequate.

7. How can I avail an ICICI Bank credit card?

You can apply for a credit card from ICICI Bank through various methods. You can either visit the website of the bank and apply for a credit card of your choosing by submitting your primary details such as your name, phone number, e-mail ID, primary documents, etc. Or you can also call the bank through the customer care number and apply for a credit card. If not, you can walk into any of the branches of the bank and apply for the card.

8. 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 utilisation ratio, the credit score, your credit report along with any kind of defaults in payment.

9. 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.

10. 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 taking a number of factors into consideration 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.