ICICI Bank Credit Card

Pinaz Sahnia Ahmed

Author : Pinaz Sahnia Ahmed

Fact Checker : Kushal Arora

Author : Pinaz Sahnia Ahmed

Fact Checker : Kushal Arora

Our website promotes credit card services offered by various banks in India. We are not affiliated with or endorsed by any banks. We receive commissions for referrals. We are committed to your privacy and security, and we do not engage in phishing or fraudulent activities. Please verify all terms and conditions with the respective banks before applying for any credit card. Use the information provided here responsibly and make informed decisions.

Disclosure: Our website promotes credit card services offered by various banks in India. We are not affiliated with or endorsed by any banks. We receive commissions for referrals. We are committed to your privacy and security, and we do not engage in phishing or fraudulent activities. Please verify all terms and conditions with the respective banks before applying for any credit card. Use the information provided here responsibly and make informed decisions.

Millions of Indians rely on ICICI Bank Credit Cards due to their wide customer base and financial necessities. ICICI Bank serves a wide range of customers by providing a varied selection of cards designed for different spending categories, such as eating, travel, and shopping. With the recent launch of the special ICICI Rewards Program, the bank improves cardholders’ rewards experience.

With a wide range of cards, from extremely premium to entry level, ICICI Bank makes sure there’s a card that works for everyone. ICICI Bank, which is well known for having credit cards with no annual fees, such as the Amazon Pay ICICI Bank Credit Card, is still popular with consumers. 
ICICI Bank Credit cards are your one-stop shop for examining the finest credit cards. ICICI Bank provides credit cards that are customised to meet your needs, whether you’re searching for easy payment alternatives, special privileges, or attractive incentives. Find the ideal ICICI Bank credit card for you and submit an easy online application right now!

Table of Contents
best-icici-bank-credit-card

List of Top ICICI Bank Credit Cards

1. Amazon Pay ICICI Bank Credit Card

With its appealing advantages designed specifically for frequent shoppers, the Amazon Pay ICICI Bank Credit Card stands out. There are no joining or renewal costs, so using it is hassle-free. Perfect for regular Amazon shoppers, it offers tempting discounts and cashback offers in addition to a free three-month Prime subscription. This card rewards your spending with cashback advantages and unique savings on Amazon purchases, whether you’re stocking up on necessities or treating yourself to a luxurious purchase.

Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Bank Credit Card
Apply Now

Joining Fee:

Nil

Best Suited:

Amazon Shopping

Renewal Fee:

Nil

Reward Type:

Reward Points

Welcome Benefits:

Cashback and Discounts Up to Rs. 2,000 and Free 3 Month Prime Membership

Apply Now
Read More

Key Features

2. ICICI Coral Credit Card

Fuel economy is a top priority for frequent drivers who use the ICICI Coral Credit Card. It is reasonably priced and comes with fuel-related perks, with a small joining and renewal cost. Regular commuters find it appealing despite its lack of special welcome advantages, as it focuses on accumulating reward points on gasoline expenditures. With reward points, this card optimizes your fuel savings whether you’re filling up for long-distance or regular commutes.

ICICI Coral Credit Card

ICICI-Bank-Coral-Credit-Card
Apply Now

Joining Fee:

₹ 500

Best Suited:

Fuel Purchases

Renewal Fee:

₹ 500 From 2nd Yr.*

Reward Type:

Reward Points

Welcome Benefits:

N/A

Apply Now
Read More

Key Features

3. ICICI Bank Accelero Credit Card

Targeting frequent travellers looking for ease and value-added services is the Accelero ICICI Bank Credit Card. For a low enrollment and renewal fee, it offers affordable travel options. Free automobile services and roadside support are among its pleasant perks, which improve the cardholder experience right away. With its extensive travel aid services, this card guarantees peace of mind whether you’re travelling by automobile or through cities.

ICICI Bank Accelero Credit Card

ICICI Bank Accelero Credit Card
Apply Now

Joining Fee:

₹ 499 + GST

Best Suited:

Travel

Renewal Fee:

₹ 499 + GST

Reward Type:

Reward Points

Welcome Benefits:

Complimentary roadside repair services, car wash, general checkup, etc for the first year.

Apply Now
Read More

Key Features

4. Sapphiro Credit Card from ICICI Bank

The Sapphiro Credit Card from ICICI Bank offers opulence and exclusivity to wealthy tourists. It provides premium travel benefits and privileges for a low joining and renewal charge. Exclusive travel and shopping coupons are among its welcome features, which increase the appeal to prospective new users. With custom incentives and privileges, this card elevates your lifestyle and is the perfect choice for those who enjoy opulent travel experiences or high-end shopping sprees.

ICICI Bank Sapphiro Credit Card
Apply Now

Joining Fee:

₹ 6500

Best Suited:

Luxury Travel Experiences

Renewal Fee:

₹ 3500

Reward Type:

Reward Points

Welcome Benefits:

Exclusive travel & shopping gift vouchers worth more than Rs. 9,000 (From Tata CliQ, EaseMyTrip, Uber, Zomato Pro, Croma) with the Visa & Mastercard variants and get an extra cashback of Rs. 750 on spending Rs 20,000 within 60 days of issuance with the AmEx variant.

Apply Now

Key Features

5. Expressions Credit Card from ICICI Bank

The Expressions Credit Card from ICICI Bank is ideal for stylish shoppers who are fashion-forward. It offers affordability in addition to perks relating to fashion, with a fair joining and renewal charge. Although it doesn’t provide any special welcome perks, trendsetters will find it interesting because of its emphasis on accruing reward points for purchases. This card offers redeemable reward points in exchange for your fashion decisions, whether you’re decorating your outfit or refreshing your wardrobe.

Expressions Credit Card from ICICI Bank

ICICI Bank Expressions Credit Card
Apply Now

Joining Fee:

₹ 500 + GST

Best Suited:

Shopping

Renewal Fee:

₹ 500 + GST

Reward Type:

Reward Points

Welcome Benefits:

N/A

Apply Now
Read More

Key Features

6. MakeMyTrip Platinum Credit Card from ICICI Bank

The MakeMyTrip ICICI Bank Platinum Credit Card caters to those who travel frequently and are looking for flexibility and value. It offers cost and simplicity with a small joining fee and no renewal fee. Holiday vouchers and cashback awards are among its welcome perks, which improve the card’s value proposition for prospective users. With cashback points and seasonal savings, this card enhances your travel experiences—whether you’re planning weekend getaways or all-inclusive trips.

MakeMyTrip Platinum Credit Card from ICICI Bank

MakeMyTrip Platinum Credit Card Icici Bank
Apply Now

Joining Fee:

₹ 500

Best Suited:

Travel Enthusiasts

Renewal Fee:

Nil

Reward Type:

Reward Points

Welcome Benefits:

Rs.500 My Cash and MakeMyTrip holiday voucher worth Rs. 3,000

Apply Now
Read More

Key Features

7. The Emeralde credit card from ICICI Bank

The ICICI Bank Emeralde Credit Card is designed for people who value high-end lifestyle perks. It provides individual services and exclusivity with a monthly cost structure. Although it doesn’t offer many welcoming benefits, people looking for an opulent lifestyle may find it intriguing because of its emphasis on accruing reward points for different purchases. This card gives you points that may be redeemed for entertainment or fine dining, incentivising your upmarket lifestyle choices.

The Emeralde credit card from ICICI Bank

ICICI Bank Emeralde credit card
Apply Now

Joining Fee:

₹ 1000 (Monthly)

Best Suited:

Movies and High-End Lifestyle

Renewal Fee:

₹ 1000 (Monthly)

Reward Type:

Reward Points

Welcome Benefits:

N/A

Apply Now
Read More

Key Features

8. ICICI Bank Chennai Super Kings Credit Card

Fans of the Chennai Super Kings cricket team and sports aficionados can apply for the Chennai Super Kings ICICI Bank Credit Card. It provides affordability and team related benefits with a fair joining and renewal price. Fans of cricket will be excited by its welcome advantages, which include additional reward points. With special benefits and prizes, this card elevates your cricket experience—whether you’re rooting for your team at the stadium or watching games from home.

ICICI Bank Chennai Super Kings Credit Card

ICICI Bank Chennai Super Kings Credit Card
Apply Now

Joining Fee:

₹ 500 + GST

Best Suited:

Shopping and Cricket Enthusiasts

Renewal Fee:

₹ 500 + GST

Reward Type:

Reward Points

Welcome Benefits:

2,000 bonus Reward Points.

Apply Now
Read More

Key Features

9. ICICI Bank Rubyx Credit Card: Emirates Skywards

Frequent travellers looking for upscale travel experiences are the target market for the Emirates Skywards ICICI Bank Rubyx Credit Card. For fans of Emirates, it provides value and convenience with a small joining and renewal charge. Travellers find it enticing because of its emphasis on accruing Skyward Miles, even if it lacks any particular welcome benefits. This card expedites your journey with exclusive points and privileges through the Emirates Skywards program, whether you’re travelling for business or pleasure.

ICICI Bank Rubyx Credit Card: Emirates Skywards

emirates-skywards-icici-bank-rubyx-credit-card
Apply Now

Joining Fee:

₹ 1000 + GST

Best Suited:

Travel

Renewal Fee:

₹ 1000 + GST

Reward Type:

Reward Points

Welcome Benefits:

N/A

Apply Now
Read More

Key Features

10. ICICI Bank Sapphiro Credit Card: Emirates Skywards

Frequent travellers looking for upscale travel experiences are the target market for the Emirates Skywards ICICI Bank Rubyx Credit Card. For fans of Emirates, it provides value and convenience with a small joining and renewal charge. Travellers find it enticing because of its emphasis on accruing Skyward Miles, even if it lacks any particular welcome benefits. This card expedites your journey with exclusive points and privileges through the Emirates Skywards program, whether you’re travelling for business or pleasure.

ICICI Bank Sapphiro Credit Card: Emirates Skywards

ICICI Bank Sapphiro Credit Card
Apply Now

Joining Fee:

₹ 5000 + GST

Best Suited:

Travel

Renewal Fee:

₹ 5000 + GST

Reward Type:

Reward Points

Welcome Benefits:

5,000 bonus Skyward Miles and complimentary Emirates Skywards Silver Tier membership.

Apply Now
Read More

Key Features

ICICI Travel Credit Card

1. MakeMyTrip ICICI Bank Signature Credit Card

  • Joining Fee: Rs. 2,500 + GST
  • Renewal Fee: Rs. 0 + GST
  • Best Suited for: Travel
  • Reward Type: Reward Points
  • Welcome Benefits: You’ll get 1,500 My Cash, a MakeMyTrip holiday voucher for Rs. 2,500, and a special MMTBLACK membership when you get your card.

2. MakeMyTrip ICICI Bank Platinum Credit Card

  • Joining Fee: Rs. 500 + GST
  • Renewal Fee: Rs. 0 + GST
  • Best Suited for: Travel
  • Reward Type: Reward Points
  • Welcome Benefits: You’ll get Rs. 500 My Cash and a MakeMyTrip holiday voucher worth Rs. 3,000.

3. Emirates Skywards ICICI Bank Rubyx Credit Card

  • Joining Fee: Rs. 1,000 + GST
  • Renewal Fee: Rs. 1,000 + GST
  • Best Suited for: Travel
  • Reward Type: Reward Points
  • Welcome Benefits: This credit card does not have any welcome benefit.

4. ICICI Bank Accelero Credit Card

  • Joining Fee: Rs. 499 + GST
  • Renewal Fee: Rs. 499 + GST
  • Best Suited for: Travel
  • Reward Type: Reward Points
  • Welcome Benefits: Complimentary roadside repair services, car wash, general checkup, etc for the first year.

ICICI Cashback Credit Cards

1. Amazon Pay ICICI Credit Card

  • Joining Fee: Rs. 0 + GST
  • Renewal Fee: Rs. 0 + GST
  • Best Suited for: Shopping
  • Reward Type: Cashback
  • Welcome Benefits: Cashback and Discounts Up to Rs. 2,000 and Free 3-Month Prime Membership

2. ICICI Bank Sapphiro Credit Card

  • Joining Fee: Rs. 6,500 + GST
  • Renewal Fee: Rs. 3,500 + GST
  • Best Suited for: Travel and Shopping
  • Reward Type: Reward Points
  • Welcome Benefits: With the Visa & Mastercard versions, you get special travel and shopping gift vouchers worth over Rs. 9,000. If you have the AmEx version, you’ll also get an extra Rs. 750 cashback if you spend Rs. 20,000 within 60 days of getting your card.

ICICI Lifestyle Credit Cards

1. ICICI Bank Coral Credit Card

  • Joining Fee: Rs. 500 + GST
  • Renewal Fee: Rs. 500 + GST
  • Best Suited for: Movies and Dining
  • Reward Type: Reward Points
  • Welcome Benefits: This credit card does not have any welcome benefits.

ICICI Fuel Credit Cards

1. ICICI Bank HPCL Coral American Express Credit Card

  • Joining Fee: Rs. 199 + GST
  • Renewal Fee: Rs. 199 + GST
  • Best Suited for: Fuel
  • Reward Type: Reward Points
  • Welcome Benefits: This credit card does not have any welcome benefits.

2. ICICI Bank HPCL Super Saver Credit Card

  • Joining Fee: Rs. 500 + GST
  • Renewal Fee: Rs. 500 + GST
  • Best Suited for: Fuel and Shopping
  • Reward Type: Reward Points
  • Welcome Benefits: You’ll get 2,000 bonus Reward Points if you pay the membership fee within 2 months and spend at least Rs. 5,000 in the first 45 days after getting your card. Also, you’ll get Rs. 100 cashback on your first fuel purchase of Rs. 1,000 or more using the HP Pay app.

ICICI Shopping Credit Cards

1. Amazon Pay ICICI Bank Credit Card

  • Joining Fee: Rs. 0 + GST
  • Renewal Fee: Rs. 0 + GST
  • Best Suited for: Shopping
  • Reward Type: Cashback
  • Welcome Benefits: Cashback and Discounts Up to Rs. 2,000 and Free 3-Month Prime Membership.

2. ICICI Bank Sapphiro Credit Card

  • Joining Fee: Rs. 6,500 + GST
  • Renewal Fee: Rs. 3,500 + GST
  • Best Suited for: Travel and Shopping
  • Reward Type: Reward Points
  • Welcome Benefits: With the Visa & Mastercard versions, you get special travel and shopping gift vouchers. If you have the AmEx version, you’ll also get an extra Rs. 750 cashback if you spend Rs. 20,000 within 60 days of getting your card.

3. MakeMyTrip ICICI Bank Signature Credit Card

  • Joining Fee: Rs. 2,500 + GST
  • Renewal Fee: Rs. 0 + GST
  • Best Suited for: Travel
  • Reward Type: Reward Points
  • Welcome Benefits: You’ll get 1,500 My Cash, a MakeMyTrip holiday voucher worth Rs. 2,500, and a special MMTBLACK membership.

4. ICICI Bank Emeralde Credit Card

  • Joining Fee: Rs. 1,000 + GST
  • Renewal Fee: Rs. 1,000 + GST
  • Best Suited for: Movies, Travel, and Shopping
  • Reward Type: Reward Points
  • Welcome Benefits: This credit card does not provide any welcome benefit.

ICICI Credit Cards Features and Benefits

Benefits offered by ICICI Bank Credit Cards span a number of categories, including retail, entertainment, travel, and lifestyle. Here’s what to anticipate:

1. Welcome Benefits: Players get welcome benefits when they apply for an ICICI Bank credit card. These could be extra cashback, gift cards, free memberships to premium platforms, bonus Reward Points, or extra cashback. These gifts are usually given to you once the membership fee (if any) has been paid.

2. Reward/Cashback: With the majority of ICICI Bank Credit Cards, you can accrue cash back or ICICI Reward Points as benefits. Every time you use your card, you accrue these benefits, which you can then exchange for a variety of goods.

3. Milestone Rewards: You can get milestone perks by spending a specified amount of money within a predetermined window of time. These could come in the shape of extra reward points, free memberships, or gift cards.

4. Travel Benefits: To improve your travel experiences, ICICI Bank offers co-branded and non-branded travel credit cards. Benefits include complimentary access to airport lounges, savings on travel and lodging, and more.

5. Extra incentives: ICICI bank cards also come with free cinema tickets, exclusive restaurant discounts, free insurance, exemptions of fuel surcharges, and other incentives.

ICICI Credit Card Rewards and Cashback

Rewards in the form of cashback or reward points are included with every ICICI credit card. Below is a summary of the advantages that each card offers:

1. ICICI Bank Emeralde Credit Card: Spend Rs. 100 on the majority of transactions (but not on petrol, utilities, or insurance categories) to earn 4 reward points. Earn one reward point for each rupee 100 spent on insurance and utilities.

The enrollment fee for the card amounts to INR 1,000 monthly or INR 12,000 annually, while the renewal fee mirrors the same structure. However, if you spend Rs. 1,00,000 in the preceding month, the monthly fee is waived, and likewise, spending Rs. 15,00,000 in the preceding year exempts you from the annual fee.

2. ICICI Bank Sapphiro Credit Card: Earn six reward points for each rupee spent (not including insurance, petrol, or utilities). Earn one reward point for every rupee 100 spent on utilities, insurance, and fuel while using the MasterCard version. 

Get 50% more reward points when you use the AmEx version. The registration fee for the card is INR 6,500, with a renewal fee of Rs. 3,500. The renewal fee is waived upon reaching an annual expenditure of Rs. 6 lakh.

3. ICICI Bank Rubyx Credit Card: Use the MasterCard version to accrue 4 reward points for every rupee spent abroad and 2 reward points for every rupee spent domestically. Get 3 reward points for every Rs. 100 spent domestically and 6 reward points for every Rs. 100 spent internationally when using the American Express Credit version. 

The joining fee is Rs. 3,000, with a renewal fee of INR 2,000. However, the renewal fee is waived upon reaching an annual expenditure of Rs. 6 lahks.

4. ICICI Bank Coral Credit Card: Get two reward points for every rupee spent (not including purchases for utilities, petrol, or insurance). For every Rs. 100 spent on insurance and utilities, earn one reward point. Buying fuel does not generate Reward Points. The registration fee is INR 199, along with a renewal fee of INR 199. The renewal fee is waived if you have spent Rs. 50,000 or more in the previous year.

5. Amazon Pay ICICI Bank Credit Card: Prime members receive 5% cashback on Amazon India, while non-Prime members receive 3% cashback. Earn 1% rewards on all other payments, excluding gasoline purchases, and 2% cashback on partner merchants who accept Amazon Pay. The ICICI Bank Credit Card with Amazon Pay does not have a joining fee or renewal fee, making it a cost-free option with no yearly expenses.

6. ICICI Mine Credit Card: Use the free version to get 1% cashback on all purchases. Get 1% cashback on other purchases and 5% cashback on well-known companies like Amazon Prime, Big Basket, BookMyShow, and others when you use the PRO 49 version. Similarly, get 1% cashback on other purchases and 5% cashback on major companies like Amazon, Big Basket, Ola, and others with the PRO 149 version.

7. MakeMyTrip ICICI Bank Signature Credit Card: Earn 4 My Cash for every Rs. 200 spent on airline tickets, 2 My Cash for hotel reservations made on MakeMyTrip, and 1.25 My Cash for all other domestic and foreign purchases. The MakeMyTrip Signature Credit Card from ICICI Bank has a registration fee of INR 2,500, but there is no renewal fee or yearly cost associated with it.

8. ICICI Bank HPCL Super Saver Credit Card: Earn 2 Reward points for every Rs. 100 spent on all other domestic and international transactions, 5% cashback as reward points on utility and department store purchases, and 4% cashback on fuel purchases at all HPCL stations.

Earn two reward points for every rupee spent using the ICICI Bank HPCL Coral Credit Card, excluding fuel expenditures. The HPCL Coral Credit Card from ICICI Bank has a registration fee of INR 199, with a renewal fee of INR 199. The yearly fee is waived if you spend Rs. 50,000 or more in the previous year.

How to Apply for ICICI Bank Credit Cards

Online Process

  • Go to ICICI Bank’s Website: First, you need to visit the ICICI Bank website. Find the Credit Cards page.
  • Fill in Your Info: Enter your personal and contact details. This helps the bank know who you are.
  • Wait for a Call: After checking your info, a bank person will call you and tell you what to do next.
  • Send Important Papers: You might need to send some papers like KYC documents and proof of how much money you make.
  • Use the iMobile Pay App: You can also get a credit card by downloading the iMobile Pay app and logging in.
  • Use Internet Banking: Another way is to log in to the ICICI Bank Internet Banking website and follow the steps there.

Offline Process

  • Visit a Bank Branch: Go to an ICICI Bank branch near you.
  • Filling Out the Form: Fill out the application form with your information.
  • Hand In Your Form: Give the form and any needed documents to the bank.
  • Wait for Approval: The bank will check everything and decide if you get the credit card.
  • Ask for Help: You can ask a bank person to call or text you to help with the application.
  • Bank Checks Info: The bank will check your income, job, and credit history to make sure everything is okay.
  • Delivery Time: It might take up to 21 working days to get your credit card in the mail.

How To Earn and Redeem ICICI Credit Card Reward Points?

Using your ICICI Bank credit card to earn and redeem reward points is simple. Simply using your card for purchases earns you Reward Points, with some categories frequently offering expedited point accumulation. 

Reward Points can be redeemed for a variety of items, including rebates, gifts, and shopping when they are earned. The value of each ICICI Reward Point is Re. 0.25. You can get in touch with ICICI Bank Credit Card customer service to redeem your points.

The annual fees and charges associated with various ICICI Bank Credit Cards vary based on the perks they provide. Basic cards have lower yearly fees but fewer advantages than premium cards, which often have higher rates but more extensive benefits. Certain cards also provide spend-based exemptions, which deduct the annual charge in accordance with your spending habits.

To redeem reward points in ICICI Bank Credit Cards, do the following:

Here are the steps to redeem your reward points:

1.Link your Credit Card to your bank account to access your Credit Card details.
2.Once linked, log in to your online banking account.
3.View your Credit Card statement and pay your Credit Card bill.
4.Review the rewards summary to see your accumulated points.
5.Access the reward catalogue to choose your desired gift.
6.Place an order for the merchandise you like.
7.Provide your registered address for gift delivery.

Alternatively:

  • If you prefer not to link your Credit Card to your bank account:
  • Contact the Customer Care of the bank.
  • Request redemption of your reward points.
  • Provide details like the Credit Card number and answer verification questions.
  • Download the redemption form, fill it out, and email it to Customer Care.

Additionally:

  • Many Credit Card issuers in India have partnerships with retail and online stores.
  • You can shop at these partner stores and pay for purchases using your reward points.

ICICI Bank Credit Card Eligibility Criteria

ICICI Bank Credit Cards usually have eligibility criteria based on three main factors: age, income, and credit score. However, there may also be extra internal criteria set by the bank. Here, we describe the eligibility for ICICI Bank Credit Cards based on these factors:

A. The eligibility criteria include:

  •  Minimum age requirement: 21 years

B. Minimum annual income:

  • ICICI Bank Salaried customers: ₹2,40,000
  • Non-ICICI Bank Salaried customers: ₹3,60,000
  • Self-employed individuals with an ICICI Bank Savings account: ₹3,60,000 (ITR)
  • Self-employed individuals without an ICICI Bank Savings account: ₹4,80,000 (ITR)

There are certain requirements you must meet in order to get an ICICI Bank Instant Credit Card. You must have an ICICI Bank Fixed Deposit of at least Rs. 50,000 that you have owned for at least 180 days. But this card can’t be used to pay for Fixed Deposits owned by third parties, partnership firms, HUF, societies, trusts, or businesses. 

It’s also not possible for some types of Fixed Deposits or when there is already a lien on the account. Also, children and people from other countries are not allowed to apply. This card can only be given out by ICICI Bank, based on who is eligible and their own rules.

Documents Required For ICICI Bank Credit Cards

Make sure to have the necessary documents readily available. If you’re applying for a credit card online, ensure you have scanned copies of the required documents. If you’re visiting the bank in person to apply, remember to bring signed photocopies of the documents listed below:

  • KYC papers include an Aadhaar card, a voter ID, a passport, a driver’s license, and more.
  • PAN Card or Form 60 (if you don’t have a PAN Card)
  • Salary slips, Form 16, and ITR records are all proof of income.
  • Bank records from the past six months.

Individuals with low credit scores or no income proof can apply for an ICICI Bank Instant Platinum Credit Card or ICICI Bank Coral Credit Card by meeting the following criteria:

  • Active Fixed Deposit with ICICI Bank: A valid Fixed Deposit with ICICI Bank serves as collateral for the Credit Card.
  • Minimum funds of Rs.50,000: The Fixed Deposit account should maintain a minimum balance of Rs.50,000.
  • Minimum tenure of 180 days: The Fixed Deposit should be held for a minimum period of 180 days.

ICICI Bank Credit Card Annual Fees and Charges

Different ICICI Bank Credit Cards come with varying annual membership fees, depending on the benefits offered by each card. Cards with higher annual fees typically belong to the premium category, offering extensive benefits across various categories. On the other hand, cards with lower annual fees are considered basic or entry-level cards, providing fewer benefits. Here’s a summary of the annual fees for some of the top ICICI Credit cards:

1. ICICI Bank Emeralde Credit Card:

Joining Fee:Rs. 1,000 per month or Rs. 12,000 per annum
Renewal Fee:Rs. 1,000 per month or Rs. 12,000 per annum
Spends-Based Waiver:Monthly fee waived on spending Rs. 1,00,000 in the previous month.  The annual fee is waived on spending Rs. 15,00,000 in the previous year.

2. ICICI Bank Sapphiro Credit Card:

Joining Fee:Rs. 6,500
Renewal Fee:Rs. 3,500
Spends-Based Waiver:Waived off on annual spends of Rs. 6 lakh.

3. ICICI Bank Rubyx Credit Card:

Joining Fee:Rs. 3,000
Renewal Fee:Rs. 2,000
Spends-Based Waiver:Waived off on annual spends of Rs. 6 lakh.

4.  ICICI Bank Coral Credit Card:

Joining Fee:Rs. 199
Renewal Fee:Rs. 199
Spends-Based Waiver:Waived off on annual spends of Rs. 50,000 in the previous year.

5.  Amazon Pay ICICI Bank Credit Card:

Joining Fee:Nil
Renewal Fee:Nil
Spends-Based Waiver:N/A

6. ICICI Mine Credit Card:

Joining Fee:➡Nil (Starter)
➡PRO 49 (Monthly)
➡PREMIUM 149 (Monthly)
Renewal Fee:➡ Nil (Starter)
➡ PRO 49 Monthly spends of Rs. 10,000 for fee reversal on the PRO 49 variant.
➡ PREMIUM 149 Monthly spends of Rs. 20,000 for fee reversal on the PREMIUM 149 variant.

 7. MakeMyTrip ICICI Bank Signature Credit Card:

Joining Fee:Rs. 2,500
Renewal Fee:Nil
Spends-Based Waiver:N/A

8. ICICI Bank HPCL Super Saver Credit Card:

Joining Fee:Rs. 500
Renewal Fee:Rs. 500
Spends-Based Waiver:Waived on the expenditure of Rs. 1.5 lakh in the previous year.

9. ICICI Bank HPCL Coral Credit Card:

Joining Fee:Rs. 199
Renewal Fee:Rs. 199
Spends-Based Waiver:Annual fee waived off on annual spends of Rs. 50,000 in the preceding year.

Other Fees & Charges

1. Annual Fee: This varies based on the card type and benefits offered. Annual fees can range from as low as Rs. 500 to over Rs. 5,000 per annum.

2. Interest Rates: ICICI Bank credit cards typically have monthly interest rates ranging from 3.40% to 3.80%, which translates to an annual percentage rate (APR) of approximately 40.80% to 45.60%.

3. Late Payment Fees: If you miss the minimum payment by the due date, late payment fees can range from Rs. 500 to Rs. 750 or 15% of the total due amount, whichever is higher.

4. Cash Advance Fees: When you withdraw cash using your ICICI Bank credit card, cash advance fees typically range from 2.50% to 3.50% of the transaction amount, subject to a minimum fee of Rs. 300 to Rs. 500.

5. Foreign Transaction Fees: For transactions made in foreign currencies, ICICI Bank may charge a foreign transaction fee of around 3.50% of the transaction amount.

6. Overlimit Fees: If you exceed your credit limit, overlimit fees can range from Rs. 500 to Rs. 1,000 or 2.50% to 3.00% of the overlimit amount, whichever is higher.

7. Card Replacement Fees: If your credit card is lost, stolen, or damaged, ICICI Bank may charge a card replacement fee of approximately Rs. 200 to Rs. 500.

These fees and charges are approximate and may vary based on the specific terms and conditions of each ICICI Bank credit card. It’s important to review the latest fee schedule provided by ICICI Bank for accurate information.

How to Apply for ICICI Bank Credit Cards?

Applying for an ICICI Bank credit card is simple. Here’s how:

  1. Check Eligibility: Make sure you meet the age, income, and credit score requirements.
  2. Choose a Card: Pick the credit card that fits your needs from ICICI Bank’s range of options.
  3. Gather Documents: Collect proof of identity (Aadhaar, Voter’s ID, Passport, or Driving Licence), proof of address (utility bill, Passport, or Voter’s ID), proof of income (salary slips, bank statements, or IT returns), and your PAN Card.
  4. Apply Online:
    • Go to the ICICI Bank Credit Card page.
    • Fill out the application form with your details.
    • Upload the required documents.
  5. Verification and Approval: ICICI Bank will check your details and documents. If approved, you’ll receive your credit card.
  6. Track Your Application: Monitor the status online through the ICICI Bank website or iMobile Pay app.

How To Activate ICICI Bank Credit Cards?

To activate online, contactless, and international transactions on your ICICI Bank Credit Card, follow these steps:

#1. Via iMobile Pay:

  • Step 1: Log in to iMobile Pay.
  • Step 2: Navigate to ‘Cards & Forex’.
  • Step 3: Select your Credit Card.
  • Step 4: Click on ‘Manage Your Card’.
  • Step 5: Enable International/Online/Tap & Pay transactions.

#2. Via Internet Banking:

  • Step 1: Log in to iMobile Pay.
  • Step 2: Go to ‘Cards & Loans’.
  • Step 3: Select ‘Credit Card’.
  • Step 4: Click on ‘Manage your card’.
  • Step 5: Choose your Credit Card Number.
  • Step 6: Under ‘Manage Credit Card Usage’, click on ‘Edit’.
  • Step 7: Enable International/Online/Tap & Pay transactions.
  • Step 8: Enter the OTP sent to your registered mobile number to complete the process.

ICICI Bank Credit Cards Login/Net Banking

For customers who already have an account with the bank, a user ID and password are provided in the welcome kit. You can use these credentials to log in to your net banking account and change them for security purposes if needed. In case you forget your user ID or password, you can generate both through the ICICI Bank online portal. Here are the different ways to register your ICICI Bank Credit Card for Internet banking:

#1. Credit Card Login:

  • Step 1: Visit the ICICI Bank website and locate the Credit Card Login section.
  • Step 2: Input your User ID and Password using the Virtual Keyboard provided for added security.
  • Step 3: Safeguard your information and enjoy the flexibility of managing your credit card finances from your preferred location.
  • Step 4: If you encounter any login issues, rest assured that our support team is available to assist you promptly.
  • Step 5: Experience the convenience and control of managing your ICICI Bank credit card by logging in to stay updated on your transactions, payments, and rewards.

#2. Netbanking – ICICI Bank’s Website:

Accessing your ICICI Bank credit card account via the bank’s website is simple and convenient. Here’s how:

  • Step 1: Visit ICICI Bank’s website.
  • Step 2: Navigate to the Credit Card Login section.
  • Step 3: Enter your User ID and Password using the Virtual Keyboard provided for added security.
  • Step 4: Safeguard your information and enjoy the flexibility of managing your credit card finances from anywhere.
  • Step 5: If you encounter any login issues, our support team is available to assist you promptly.
  • Step 6: Log in now to stay updated on your transactions, payments, and rewards.

How To Compare ICICI Credit Cards & Choose the Best One?

A Credit Card offers a multitude of benefits, including making purchases, paying bills, withdrawing cash, earning cashback, and enjoying various perks. Before applying for a Credit Card, it’s crucial to compare their features. 

This allows you to find the one that aligns best with your needs and spending habits, ultimately saving you money in the long term. With our Credit Card comparison tool, you can easily compare different Credit Cards offered by ICICI Bank and evaluate their features.

Here’s how to compare Credit Cards:

  • Click on ‘Select Card to Compare’.
  • Choose the Card from the options provided and click on ‘Add to Compare’.
  • Repeat the process for additional Cards you want to compare.
  • Once you’ve selected all the Cards, click on ‘Compare’.

You’ll then see a detailed comparison between the selected Cards displayed on your screen. This makes it easier to identify the features and benefits that matter most to you.

How to Get in Touch with ICICI Bank Credit Card Customer Care

  • Give Them a Call: Call ICICI Bank at 1800 1080 for help.
  • Send a Letter: Write a letter to ICICI Phone Banking Center at ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad – 500032.
  • Go to the Helpdesk: Visit the helpdesk at any ICICI Bank branch for assistance.

Tracking ICICI Credit Card Application Status

  • Go to ICICI Bank’s Website: Visit the official ICICI Bank website.
  • Find the Credit Card Section: Look for the ‘Credit Card’ part on the website.
  • Log In: Use your login info to get into your account.
  • Click ‘Track Application’: Find and click on the ‘Track Application’ option.
  • Enter Your Details: Type in your application ID, PAN Card number, and mobile number to see your application status.

ICICI Bank Credit Card Balance Transfer

You can move your balance from other credit cards to your ICICI Bank Credit Card if you meet the bank’s rules.

Cool Features

  • Save money on interest you pay to other banks
  • Transfer up to ₹ 3 lakh
  • Get good interest rates
  • Pay in 3 or 6 month instalments
  • No extra paperwork needed

How to Transfer Funds

  • Using NEFT: Send an email to [email protected] with the name of the other bank, your name as per their records, and your other bank credit card number.
  • Using Demand Draft: You can also use a Demand Draft to transfer funds.

ICICI Bank Credit Card Bill Payment

  • Step 1: Choose Your Bank: Go to the ‘Click to Pay’ section and pick your bank from the list.
  • Step 2: Enter Credit Card Details: Select your credit card type. Type in your 15-digit American Express number or 16-digit Visa/Mastercard number, and the amount you want to pay. You’ll be taken to your bank’s payment page.
  • Step 3: Confirm Your Payment: Log in with your bank details like user ID and password. Check the amount to be paid and confirm it. The money will be taken from your account right away.
  • Step 4: Get Confirmation: After you finish, you’ll get a Transaction Reference Number to show that your payment was successful.

Conclusion

In summary, choosing the ideal credit card for your needs might be difficult when there are so many possibilities available from ICICI Bank. However, with the correct knowledge and perspective, the process becomes easier. You can select a credit card that best suits your spending patterns and financial objectives by evaluating features, benefits, fees, and suitability.

Offering a wide variety of credit cards, ICICI Bank can accommodate different preferences when it comes to optimising rewards, taking advantage of special benefits, or effectively managing expenses. Thus, make the most of the ease of applying online and start your quest for the ideal ICICI Bank credit card that is customised just for you.

FAQs

Q1. What are the best ICICI Bank Credit Cards available?

Ans: ICICI Bank offers a range of credit cards tailored to different needs. Some popular options include the ICICI Bank Emeralde Credit Card, ICICI Bank Sapphiro Credit Card, and ICICI Bank Amazon Pay Credit Card.

Q2. How do I compare ICICI Bank Credit Cards to find the right one for me?

Ans: Consider factors such as annual fees, rewards and benefits, interest rates, and eligibility criteria. Determine your spending habits and priorities to choose a card that offers the most value for your needs.

Q3. How can I apply for an ICICI Bank Credit Card online?

Ans: You can apply for an ICICI Bank Credit Card online through the bank’s official website. Simply visit the credit cards section, browse through the available options, and follow the application process. Make sure to provide accurate information and meet the eligibility criteria specified for each card.

Q4. Can I apply for more than one credit card from ICICI Bank at once?

Ans: You may apply for more than one ICICI Bank credit card, but your applications will only be approved based on the bank’s requirements and creditworthiness.

Q5. How can I apply for a family member’s additional ICICI Bank credit card? 

Ans: You can apply for an extra card by sending the family member’s details to ICICI Bank customer service or through the ICICI Bank website.

Q6. How can I activate my newly issued ICICI Bank credit card?  

Ans: You can use the ICICI mobile app’s activation instructions or the activation number with your card to activate your new ICICI Bank credit card.

Q7. Is it possible for me to alter my ICICI Bank credit card’s billing cycle?

Ans: Yes, you can call ICICI Bank customer support to seek a change in your billing cycle. They will help you with the modification based on your account.

Q8. Does ICICI Bank provide solutions for transferring credit card balances?

Ans: Yes, you can transfer balances from other credit cards to your ICICI credit card at affordable interest rates using the balance transfer alternatives offered by ICICI Bank.

Q9. How do I monitor the purchases and transactions made with my ICICI Bank credit card?

Ans: You can monitor your purchases and transactions using the ICICI Bank mobile app or by logging into NetBanking, which provides thorough statements and real-time updates.

Q10. How can I use the reward points on my ICICI Bank credit card to make travel reservations?

Ans: You can swap reward points for reservations on travel by using the ICICI Bank rewards program or by contacting customer service. 

Pinaz Sahnia Ahmed
Pinaz Sahnia Ahmed

Meet Pinaz Sahnia Ahmed, a wordsmith extraordinaire with a knack for making complex topics easy to understand. Armed with a master's degree in Linguistics and five years of experience, she's your go-to guru for all things related to the finance sector. From breaking down technical jargon to crafting captivating blogs, Pinaz has a talent for turning financial concepts into digestible bites for everyone to enjoy. Read More...

Leave a Comment