ICICI Bank Mine Credit Card

The ICICI Bank Mine Credit Card is a distinct card with three available plans to suit your credit needs. These three tailored plans include the Starter Plan, Pro Plan, and Premium Plan. The Starter Plan incurs no membership fee. While each plan offers unique features, they all provide a range of advantages. These encompass exclusive cashback opportunities, dining perks, and travel benefits. With this affordable credit card, you can anticipate a 5% savings on all card expenditures, in addition to various discount offers.

Key Highlights of ICICI Bank Mine Credit Card

1. Ideal for enjoying lifestyle perks

2. Enrollment Charges:

  • Starter: None
  • Pro 49: Rs. 49
  • Premium 149: Rs. 149

3. Annual Charges:

  • Starter: None
  • Pro 49: Rs. 49 per month
  • Premium 149: Rs. 149 per month

4. Noteworthy Benefit: Earn up to 5% extra rewards on prominent lifestyle brands.

Features and Benefits of ICICI Bank Mine Credit Card

  1. Cashback Rewards: Earn up to 5% cashback on exclusive partner brands like Big Basket, Inox, Ola, PVR, Swiggy, Zomato, BookMyShow, Gaana, Grofers, and Amazon Prime, in addition to a regular 1% cashback on all purchases. However, the cashback is capped at Rs. 200 per month.
  2. Membership Cost Waiver: If you spend Rs. 10,000 or more in the previous month, the monthly membership fee is waived.
  3. Exclusive Offers: Access exclusive offers across various categories, including groceries, travel, food, fashion, and e-commerce.
  4. Railway Lounge Visit: Enjoy one complimentary domestic railway lounge visit every month.
  5. Goibibo Discounts: Existing Goibibo customers under the Pro plan can avail a 7% discount on hotel bookings (up to Rs. 5,000) and a 4% discount on airfare bookings (up to Rs. 600).
  6. Cashback Continues: Continue to receive 1% cashback on all purchases and 5% cashback on partner brands, with a monthly cashback limit of Rs. 750.
  7. EazyDiner Premier: Benefit from a 2-month introductory subscription to EazyDiner Premier, offering unique dining privileges.
  8. Monthly Fee Remission: The monthly fee is waived when you spend Rs. 20,000 or more in the previous month.
  9. HPCL Fuel Discount: Enjoy a 1% waiver on fuel sales at all HPCL petrol pumps.
  10. Tata Cliq Discount: Get a 5% discount on Tata Cliq, with a maximum savings of Rs. 300 on a minimum spend of Rs. 1000 when using the credit card.

ICICI Bank Mine Credit Card Fees and Charges

1. Spend-Based Waiver:

  • Pro Plan: No annual fee if you spend Rs 10,000 per month.
  • Premium Plan: No annual fee if you spend Rs 20,000 per month.

2. Rewards Redemption Fee:

  • A fee of Rs 99 per redemption request.

3. Foreign Currency Markup:

  • A 3.5% fee on international transactions.

4. Interest Rates:

  • Monthly interest rate of 3.4% (equivalent to 40.80% per annum).

5. Fuel Surcharge:

  • Enjoy a 1% waiver on all fuel transactions at HPCL petrol pumps.

6. Cash Advance Charges:

  • Monthly cash advance interest rate of 3.4% (equivalent to 40.80% per annum).

7. Add-on Card Fee:

  • No fee for add-on cards.

ICICI Bank Mine Credit Card Eligibility

Here are the eligibility criteria for applying for the ICICI Mine Card:

  1. The applicant must be at least 21 years old.
  2. They should possess a good credit score.
  3. The applicant must have a stable source of income.

Documents Required for ICICI Bank Mine Credit Card

Certainly, here are the document requirements in a concise list:

1. Identity Proof (Choose one):

  • Aadhar Card
  • Voter’s ID
  • PAN Card
  • Driving License
  • Passport
  • And more (any one of these)

2. Address Proof (Choose one or more):

  • Passport
  • Utility bills (within 3 months)
  • Driving License
  • Aadhar Card
  • And more (any one of these)

3. Income Proof (Choose one or more):

  • Latest Income Tax Return (ITR)
  • Latest Salary Slip
  • Bank Statement

How to apply for ICICI Bank Mine Credit Card?

1. Eligibility Check:

  • Visit the ICICI Bank website to review the eligibility criteria for the Mine Credit Card. Ensure you meet the age, income, and credit score requirements.

2. Gather Documents:

  • Collect the necessary documents for your application, including proof of identity, address, and income.

3. Online Application:

  • Visit the official ICICI Bank website.
  • Navigate to the credit card section.
  • Find the Mine Credit Card and click on the “Apply Now” or “Get Started” button.

4. Application Form:

  • Fill out the online application form with accurate information.
  • Upload scanned copies of the required documents as per the instructions.

5. Review and Submit:

  • Review your application to ensure accuracy and completeness.
  • Submit the application online.

6. Verification and Processing:

  • ICICI Bank will review your application and the attached documents.
  • You may be contacted for further verification or information if necessary.

7. Credit Check:

  • ICICI Bank will conduct a credit check to assess your creditworthiness.

8. Approval:

  • If your application is approved, ICICI Bank will issue the Mine Credit Card.

9. Receive and Activate the Card:

  • Once you receive the card, follow the activation instructions provided by the bank. Typically, this involves calling a phone number or visiting a website to activate the card.

Frequently Asked Questions (FAQs)

1. What is ICICI Bank Mine Credit Card?

The ICICI Bank Mine Credit Card is a co-branded credit card designed to cater to the lifestyle and preferences of the youth. It offers various benefits, rewards, and features tailored to the needs of the younger generation.

2. How can I apply for an ICICI Bank Mine Credit Card?

You can apply for the ICICI Bank Mine Credit Card online through the official ICICI Bank website or by visiting a nearby ICICI Bank branch.

3. What are the key features of the ICICI Bank Mine Credit Card?

The key features include personalized card designs, accelerated rewards on popular spending categories, exclusive discounts on partner brands, and various lifestyle benefits.

4. Can I customize the design of my ICICI Bank Mine Credit Card?

Yes, you can choose from a range of trendy and unique designs to customize the look of your ICICI Bank Mine Credit Card.

5. What rewards and benefits does the Mine Credit Card offer?

The card offers rewards on categories like shopping, dining, and entertainment. It may also provide discounts on partner brands, complimentary lounge access, and other lifestyle benefits.

6. How can I check my ICICI Bank Mine Credit Card statement?

You can check your credit card statement online through the ICICI Bank internet banking portal or mobile app. Statements are usually available monthly, and you can also receive them via email.

7. Is there an annual fee for the ICICI Bank Mine Credit Card?

The annual fee structure may vary. It’s advisable to check the current fee details on the ICICI Bank website or contact customer service for the most accurate information.

8. How can I make payments on my ICICI Bank Mine Credit Card?

You can make payments through various channels such as internet banking, mobile banking, auto-debit, cash payments at ICICI Bank branches, or through other available payment modes.

9. Can I convert my purchases into EMIs using the ICICI Bank Mine Credit Card?

Yes, the card often provides the option to convert high-value purchases into easy monthly installments (EMIs) with attractive interest rates.

10. How do I contact customer service for queries related to my ICICI Bank Mine Credit Card?
You can contact ICICI Bank customer service through the helpline number provided on the back of your credit card or visit the official website for alternative contact options.