ICICI Bank Credit Card

ICICI Bank Credit Card is a financial product provided by ICICI Bank, one of India’s leading private sector banks. These credit cards offer a wide range of features and benefits, including cashback, rewards, travel perks, and more. Cardholders can make purchases on credit and pay back the amount in installments or in full each month. ICICI Bank Credit Cards cater to various customer needs, such as shopping, dining, travel, and fuel expenses, making them a versatile choice for individuals seeking convenient and rewarding payment options.

Top ICICI Bank Credit Cards

Card Name
Annual Fee
Best For
ICICI Bank Platinum Chip Credit Card
Rs. 99 (waived on an annual spend of Rs. 50,000 in the previous year)
Shopping & Cashback
ICICI Bank Coral American Express Card
Rs. 500
Travel & Entertainment
ICICI Bank Coral Contactless Card
Rs. 500 (waived on an annual spend of Rs. 1,50,000 in the previous year)
Travel & Entertainment
ICICI Bank Rubyx Credit Card.
Rs. 2,000 (waived on an annual spend of Rs. 3,00,000 in the previous year)
Travel & Lifestyle
ICICI Bank Sapphiro Credit Card
Rs. 3,500 (waived on an annual spend of Rs. 6,00,000 in the previous year)
Travel, Shopping & Lifestyle
ICICI Bank Emeralde Credit Card
Rs. 12,000 (waived for an annual spend of Rs. 15 lakhs in the previous year)
Entertainment & Lifestyle
MakeMyTrip ICICI Bank Platinum Credit Card
Nil
Travel
MakeMyTrip ICICI Bank Signature Credit Card
Nil
Travel
ICICI Bank HPCL Platinum Credit Card
Rs. 99 2nd year onwards (waived on an annual spend of Rs. 50,000 in the previous year)
Fuel & Entertainment
ICICI Bank HPCL American Express Credit Card
Rs. 199 (waived on an annual spend of Rs. 50,000 in the previous year)
Fuel, Travel, & Entertainment
Amazon Pay ICICI Credit Card
There is no joining and annual fees
 15% savings on your dining bills, fuels

Features and Benefits of ICICI Bank Credit Card

ICICI Bank Credit Cards offer a variety of features and benefits to cater to different financial needs and lifestyles. Here are some common features and benefits associated with ICICI Bank Credit Cards:

  1. Reward Points: Earn reward points on every transaction, which can be redeemed for gifts, vouchers, or airline miles.
  2. Cashback: Some cards offer cashback on specific spending categories, providing savings on everyday expenses like groceries, fuel, and dining.
  3. Travel Benefits: Enjoy travel privileges such as airport lounge access, complimentary travel insurance, and discounts on flight bookings and hotel stays.
  4. Fuel Surcharge Waiver: Many ICICI credit cards provide a fuel surcharge waiver at select fuel stations, helping you save on fuel expenses.
  5. E-commerce Offers: Exclusive discounts and cashback offers on online shopping with partner websites and apps.
  6. Dining Discounts: Avail of discounts and offers at participating restaurants and dining outlets.
  7. Contactless Payments: Make secure and convenient payments using contactless technology for quick transactions.
  8. EMI Conversion: Convert high-value purchases into easy monthly installments (EMIs) to manage expenses efficiently.
  9. Global Acceptance: ICICI Bank Credit Cards are widely accepted both domestically and internationally, offering convenience while traveling abroad.
  10. Credit Limit: Enjoy a predefined credit limit based on your income and creditworthiness.
  11. Online Account Management: Easily manage your credit card account online through the bank’s website or mobile app, allowing you to track transactions, pay bills, and more.
  12. Balance Transfer: Transfer outstanding balances from other credit cards to an ICICI Bank Credit Card at lower interest rates for debt consolidation.
  13. Zero Annual Fee: Some cards come with no annual fee or waive the annual fee on meeting spending requirements.
  14. Secure Transactions: Benefit from advanced security features like SMS alerts, one-time passwords (OTP), and EMV chip technology to protect against fraud.
  15. Flexible Payment Options: Choose to pay the minimum amount due, the total outstanding balance, or any amount in between, giving you flexibility in managing your payments.
  16. Interest-Free Period: Enjoy a grace period during which you can make purchases without incurring interest, provided you pay the full outstanding balance by the due date.

The specific features and benefits may vary depending on the type of ICICI Bank Credit Card you choose, as the bank offers a range of cards tailored to different customer preferences and needs. It’s essential to review the terms and conditions associated with your specific card to maximize its advantages.

Eligibility criteria for the ICICI Bank Credit Card

Here are some common eligibility requirements for ICICI Bank Credit Cards:

1. For Salaried Individuals:

  • Age: Typically, the minimum age requirement is 21 years, and the maximum age can range from 60 to 65 years, depending on the card variant.
  • Income: The minimum income requirement varies based on the card you’re applying for. It can range from around ₹15,000 to ₹1,20,000 per month or more.
  • Credit Score: A good credit score is generally required, typically above 700 or 750, but this can vary.

2. For Self-Employed Individuals:

  • Age: Minimum age requirement is usually 21 years, and the maximum age can range from 65 to 70 years, depending on the card.
  • Income: Self-employed individuals need to demonstrate a minimum annual income, which can range from ₹1.5 lakhs to ₹6 lakhs or more, depending on the card.
  • Business Stability: Some cards may require a specific number of years in business to establish stability.

3. Nationality and Residency: You must be an Indian citizen or a Non-Resident Indian (NRI) with a valid Indian address.

4. Credit History: A good credit history with no defaults or delinquencies is essential.

5. Documents: You’ll need to provide valid identity proof, address proof, and income proof documents as per the bank’s requirements.

Please note that these criteria are general guidelines, and the specific eligibility requirements can vary from one ICICI Bank Credit Card variant to another. It’s advisable to check the bank’s official website or contact them directly to verify the eligibility criteria for the particular card you are interested in and ensure that you meet the requirements before applying. Meeting the eligibility criteria does not guarantee approval; the bank may also consider other factors, such as your credit score and overall creditworthiness.

Documents Required for ICICI Bank Credit Card

The documents required for applying for an ICICI Bank Credit Card may vary depending on the specific card variant and the applicant’s profile. However, here is a list of commonly requested documents:

1. Identity Proof (Any One):

  • Passport
  • Aadhaar card
  • Voter ID
  • Driving Licence
  • PAN (Permanent Account Number) card

2. Address Proof (Any One):

  • Aadhaar card
  • Voter ID
  • Utility bills (electricity, water, gas) with your name and address
  • Passport
  • Rent agreement (if applicable)
  • Bank account statement with your address

3. Income Proof (For Salaried Individuals):

  • Salary slips for the last 3-6 months
  • Form 16
  • Bank statements showing salary credits
  • Offer letter or employment contract (sometimes required)

4. Income Proof (For Self-Employed Individuals):

  • Income Tax Returns (ITR) for the last 2-3 years
  • Audited financial statements, including profit and loss statement and balance sheet
  • Business ownership documents (e.g., Partnership Deed, Certificate of Incorporation)

5. Passport-sized Photographs: Typically, you may need to provide a few passport-sized photographs along with your application.

6. Credit Score: Some banks may check your credit score during the application process. You don’t need to provide this directly, as they will obtain it themselves.

7. Additional Documents: Depending on your specific circumstances and the card you are applying for, the bank may request additional documents. For example, if you are a non-resident Indian (NRI), you may need to provide NRI-specific documents.

How to apply for ICICI Bank Credit Card

  1. Visit the bank or Credit Card provider’s website.
  2. Navigate to the Credit Cards section.
  3. Explore the available Credit Cards, including their features, terms, and charges.
  4. Select the desired Credit Card.
  5. Click on the online application form link.
  6. Complete the application form by providing required details and uploading relevant documents.
  7. Review the form for accuracy and completeness.
  8. Submit the application.
  9. Wait for the bank to process your application.

For example, ICICI Bank offers a user-friendly online portal where you can apply for various Credit Cards, such as NRI Credit Cards, Amazon Pay Cards, travel and fuel Credit Cards, and secured cards. Visit ICICI Bank’s website to explore the options and apply for the Credit Card that aligns with your financial needs.