Top 10 ICICI Bank Credit Cards

Card NameAnnual FeeBest For
ICICI Bank Platinum Chip Credit CardRs. 99 (waived on an annual spend of Rs. 50,000 in the previous year)Shopping & Cashback
ICICI Bank Coral American Express CardRs. 500Travel & Entertainment
ICICI Bank Coral Contactless CardRs. 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 CardRs. 3,500 (waived on an annual spend of Rs. 6,00,000 in the previous year)Travel, Shopping & Lifestyle
ICICI Bank Emeralde Credit CardRs. 12,000 (waived for an annual spend of Rs. 15 lakhs in the previous year)Entertainment & Lifestyle
MakeMyTrip ICICI Bank Platinum Credit CardNilTravel
MakeMyTrip ICICI Bank Signature Credit CardNilTravel
ICICI Bank HPCL Platinum Credit CardRs. 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 CardRs. 199 (waived on an annual spend of Rs. 50,000 in the previous year)Fuel, Travel, & Entertainment

Features 

The following are the features and benefits of ICICI Bank Credit Cards:

  • Offers: Get amazing offers on dining, shopping, travel, etc spends on ICICI Bank Credit Card.
  • Referral Programme: With the ICICI referral programme you can earn 2000 bonus points for every referral.
  • Rewards: Earn stupendous rewards on shopping, travel, dining, utility bill payments, etc with ICICI Bank Credit Card. Cash rewards and payback.
  • Chip Card: EMV chip embedded in the card offers security against frauds.
  • Lounge Access: Complimentary airport lounge access is provided.
  • Add-on card: Add-on card facility for your family members.
  • Revolving payment: A revolving payment facility is available wherein only a minimum amount due as stipulated by the bank has to be paid and the residual amount will be carried over to the next month.
  • Interest-free period: An interest-free period from 20 days to 50 days is available.

Tip: Check cibil score for credit card before applying

Benefits

  • Instant Personal Loans: ICICI bank provides instant personal loan on credit cards up to Rs. 10 lakhs based on the transaction pattern, payment history, and spends. The loan is given at a competitive rate of interest with flexible tenure up to 60 months. The loan amount will be credited directly into your ICICI bank account.
  • EMI: A facility to convert purchases on the card to EMI is available. The interest rate is 13% for a tenure option of 3, 6, 9, and 12 months. The interest rate is 15% for a tenure option of 18 and 24 months. ICICI bank has a tie -up with 250 plus popular brands and any product purchased from these brands can be converted to EMI.

Fuel surcharge:

 Waiver of 1% fuel surcharge on purchases at all fuel stations across the country

Additional Reading: Check ICICI Cibil Score

Eligibility

The following criteria have to be complied with to qualify for ICICI Bank Credit Card

  • Salaried individuals, self-employed individuals/professionals, and businessmen are eligible for the card.
  • The applicant should be in the age group between 21 years to 65 years. The add-on cardholder should be over 18 years.
  • The minimum net annual income for is Rs. 2.50 lakhs, Rs. 5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, and Rs. 30 lakhs for Platinum Card, Coral Card, Rubyx Card, Sapphiro Card, and Emeralde Card respectively.
  • All ICICI Bank Global Private Client Customers are eligible for ICICI Bank Emeralde Credit Card
  • The credit score of the applicant should be over 750.
  • The card is issued to both resident and non-resident Indians.

Documents

The following documents are required to apply for ICICI Bank Credit Cards.

  • Colour photograph of the applicant.
  • Anyone of the Photo ID proofs like Voter's ID card, Pan Card, Passport, Aadhar Card, and Driving Licence.
  • Anyone of the address proofs like Passport, Utility bills, Aadhar Card, and Voter’s ID card
  • Anyone of the documents for Income Proof like the latest salary slips, Form 16/IT Returns and in case of business entities, Audited Balance Sheet and Profit and Loss Account along with ITR
  • For ICICI Bank NRI Credit Card, the applicant has to submit the following:
  • KYC documents for both primary cardholder and add-on cardholder.
  • Pan Card
  • Valid Overseas/Indian Passport with photo and signature
  • Residence address proof in the name of the applicant or a relative.
  • Valid Visa/work permit/resident card
  • Overseas residence address proof.

Additional Reading: How to check free cibil score?

Fees

Following are the joining and annual fees of ICICI Bank Credit Cards: 

Name of the CardJoining FeeAnnual Fee
Platinum Chip Credit CardRs. 199 (waived on a spend of Rs. 2000 within 60 days from the date of card activation)Rs. 99 (waived on an annual spend of Rs. 50,000 in the previous year)
ICICI Bank Coral American Express CardRs. 500Rs. 500 2nd year onwards
ICICI Bank Coral Master/Visa CardRs. 500Rs. 500 2nd year onwards (waived on an annual spend of Rs. 1,50,000 in the previous year)
ICICI Bank Coral Contactless CardRs. 500Rs. 500 2nd year onwards (waived on an annual spend of Rs. 1,50,000 in the previous year)
ICICI Bank Rubyx Credit CardRs. 3000Rs. 2000 (waived on an annual spend of Rs. 3,00.000 in the previous year)
ICICI Bank Sapphiro Credit CardRs. 6500Rs. 3500 2nd year onwards (waived on an annual spend of Rs. 6,00,000 in the previous year)
ICICI Bank Emeralde Credit CardRs. 12000 (waived for a spend of Rs. 15 lakhs in the anniversary year) 12000/- from the second year onwards (waived for an annual spend of  15.00 lakhs in the previous year)
MakeMyTrip ICICI Bank Platinum Credit Card
  • Rs. 500
  • Rs. 250 for add-on Card
Nil
MakeMyTrip ICICI Bank Signature Credit Card

Rs. 2500

Rs. 250 for add-on card

Nil
ICICI Bank HPCL Coral Master/Visa CardRs. 199Rs. 199 2nd year onwards (waived on an annual spend of Rs. 50,000 in the previous year)
ICICI Bank HPCL Platinum Credit CardRs. 199Rs. 199 2nd year onwards (waived on an annual spend of Rs. 50,000 in the previous year)
ICICI Bank Expressions Credit CardRs. 499Rs. 499 2nd year onwards (waived on an annual spend of Rs. 1.50 lakhs in the previous year)

 

ICICI Bank Credit Card Charges

The following are the details of ICICI Bank Credit Card Charges

Name of the chargeAmount
Finance charges2.49% p.m. to 3.5% p.m. depending on the card
JP Miles uncapping chargesRs. 7500
Duplicate statement chargesRs. 100
Card ReplacementRs. 100 (Rs. 199 for Expressions Credit Card)
Cash/Cheque Pick-up feeRs. 100
Charge slip requestRs. 100 per charge slip
Foreign Currency Mark-up fee3.5% of the transaction. 1.5% for ICICI Bank Emeralde Card
Transaction fee for cash advance1.99% to 2.50% on the amount subject to a minimum of Rs. 300, depending upon the card
Redemption handling feeRs. 99
Delayed payment fee

Outstanding amount

Charge

Up to Rs. 100

Nil

Rs. 100 to Rs. 500

Rs. 100

Rs. 501 to Rs. 10000

Rs. 500

Above Rs. 10,000

Rs. 750

Charges for the usage of the card over and above the limit2.5% of the over limit amount with a minimum of Rs. 500 except for ICICI Bank Emeralde Card for which no charges are collected.
Cheque/Auto-debit bounce charges2% of the amount with a minimum of Rs. 450
Cash payment chargesRs. 100

Bill Payment Options for ICICI Bank Credit Card

The following methods can be adopted to make the payment of ICICI Credit Card dues.

  • Internet banking: Register for ICICI Bank Internet banking and make the credit card payment.
  • Auto-debit: If you are a customer of ICICI Bank you can give standing instructions to debit the credit card dues to your savings bank/current account.

If you are not a customer of ICICI Bank then you can do the payment by any of the methods mentioned below:

  • NEFT/RTGS: You can make the payment by either NEFT/RTGS. You will have to provide the 16-digit card number for the beneficiary account number. You should give the account number for debiting the amount. Also, you have to give the IFSC Code of ICICI Bank and branch details and the amount to be debited.
  • Bills Desk: By using the bill desk facility you can make payment with internet facility of any other bank.
  • By cheque: You can make payment through cheque also. The payee’s name should be the 16-digit credit card number. Details of mobile number and name of the cardholder should be given on the reverse of the cheque. The cheque can be dropped at any drop box provided in the city.
  • By cash: The payment can be made by way of cash at any of the branches of ICICI Bank.

ICICI Bank Credit Card Reward Points

Platinum Chip Credit Card

  • 2 reward points for every spend of Rs. 100 on all purchases except fuel.
  • 1 reward point on every spend of Rs. 100 on utility bills and insurance.

ICICI Bank Coral American Express Card

  • 2 reward points for every spend of Rs. 100 on all purchases except fuel.
  • 4 reward points for every spend of Rs. 100 online.
  • 1 reward point for every Rs. 100 spent on insurance and utility bill.

ICICI Bank Coral Master/Visa Card

  • 2 reward points for every spend of Rs. 100 on all purchases except fuel.
  • 1 reward point for every Rs. 100 spent on insurance and utility bill payment.

ICICI Bank Coral Contactless Card

  • 1 reward point for every Rs. 100 spent on utility bill and insurance payments.
  • 2 reward points on every Rs. 100 spent on all purchases except fuel.

ICICI Bank Rubyx Credit Card

  • Get shopping and travel vouchers worth Rs. 5000 on a within 30 days of paying the joining fees.
  • 1 reward point for every Rs. 100 spent on insurance and utility bills.
  • 2 reward points for every Rs. 100 spent on domestic spends 4 reward points on every Rs. 100 international spend with ICICI Bank Rubyx Mastercard.
  • 3 reward points for every Rs. 100 spent on domestic spends 6 reward points on every Rs. 100 international spend with ICICI Bank Rubyx American Express Card.

ICICI Bank Sapphiro Credit Card

  • Get travel and shopping vouchers worth Rs. 10,000 within 45 days from the date of paying the joining fees as a welcome gift.
  • 2 reward points for every Rs. 100 spent on domestic spends 4 reward points on every Rs. 100 international spend with ICICI Bank Sapphiro Mastercard.
  • 3 reward points for every Rs. 100 spent on domestic spends 6 reward points on every Rs. 100 international spend with ICICI Bank Sapphiro Platinum American Express Credit Card.
  • 1 reward point for every Rs. 100 spent on fuel, insurance and utility bills.

ICICI Bank Emeralde Credit Card

  • A gift voucher worth Rs. 5000 from Da Milano on a spend of Rs. 2,00,000 on the card in the first two months of joining.
  • 4 reward points on every Rs. 100 spent on retail transactions except fuel.
  • 1 reward point for every Rs. 100 spent on insurance and utility bill.

ICICI Bank Diamant Credit Card

  • 3 reward points for every Rs. 100 domestic spend.
  • 6 reward points for every Rs. 100 international spend.

MakeMyTrip ICICI Bank Signature Credit Card

  • Get a My Cash of Rs. 1500 MMTDOUBLEBLACK and MMTBLACK enrolment plus Lemon Tree Hotel Voucher of Rs. 2500 as a welcome gift.
  • For the first two eligible domestic flight cancellation and for the first two eligible hotel booking cancellation, you will get full refund to your My Cash Account.
  • For every domestic spend of Rs. 200 you earn a My Cash of 1.2.
  • For every international spend of Rs. 200 outside Make My Trip you earn a My Cash of 1.50.
  • For every Rs. 200 domestic spend on flight bookings at MakeMyTrip you earn a My Cash of 2 and for every Rs. 200 on hotel/holiday bookings on MakeMyTrip you earn a My Cash of 4.

Additional Reading: Cibil score check free online by pan number

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Best Rewards Credit Cards

Earn max rewards & redeem for cash back, value back offers, discounts & exclusive deals.

More about ICICI Credit Card

✅ How to avail the EMI facility on ICICI Bank Credit Card?

The cardholder has to request for conversion of a certain purchase into EMI. If there is a requisite balance in the card, the purchase will be converted into EMI automatically. The credit card statement will clearly indicate that the transaction has been converted into EMI.

✅ ICICI Bank Credit Card Reward Points

ICICI Bank Credit Card Reward Points

Name of the CardRewardSpecial Reward
Platinum Chip Credit Card
  • 2 reward points for every spend of Rs. 100 on all purchases except fuel. 
  • 1 reward point on every spend of Rs. 100 on utility bills and insurance.
Nil
ICICI Bank Coral American Express Card
  • 2 reward points for every spend of Rs. 100 on all purchases except fuel.
  • 4 reward points for every spend of Rs. 100 online.
  • 1 reward point for every Rs. 100 spent on insurance and utility bill.
  • 2000 reward points on spends of Rs. 2,00,00.
  • 1000 reward points every time on crossing a spend of Rs. 1,00,000.
  • The maximum reward points under Milestone reward in a year is 10000.
ICICI Bank Coral Master/Visa Card
  • 2 reward points for every spend of Rs. 100 on all purchases except fuel.
  • 1 reward point for every Rs. 100 spent on insurance and utility bill payment.
  • 2000 bonus points on a spend of  2,00.000 and 1000 bonus points on crossing  1,00,000/- spend every time in an anniversary year.
  • The maximum bonus points under the Milestone reward programme is 10000.
ICICI Bank Coral Contactless Card
  • 1 reward point for every Rs. 100 spent on utility bill and insurance payments.
  • 2 reward points on every Rs. 100 spent on all purchases except fuel.
2000 reward points on spends of Rs. 2,00,000 and 1000 points on crossing Rs. 1,00,000 thereafter with a maximum of 10000 points in an anniversary year.
ICICI Bank Rubyx Credit Card
  • Get shopping and travel vouchers worth Rs. 5000 on a within 30 days of paying the joining fees.
  • 1 reward point for every Rs. 100 spent on insurance and utility bills.
  • 2 reward points for every Rs. 100 spent on domestic spends 4 reward points on every Rs. 100 international spend with ICICI Bank Rubyx Mastercard.
  • 3 reward points for every Rs. 100 spent on domestic spends 6 reward points on every Rs. 100 international spend with ICICI Bank Rubyx American Express Card.
3000 reward points on spends of Rs. 3,00,000 and 1500 points on crossing Rs. 1,00,000 thereafter with a maximum of 15000 points in an anniversary year.
ICICI Bank Sapphiro Credit Card
  • Get travel and shopping vouchers worth Rs. 10,000 within 45 days from the date of paying the joining fees as a welcome gift.
  • 2 reward points for every Rs. 100 spent on domestic spends 4 reward points on every Rs. 100 international spend with ICICI Bank Sapphiro Mastercard.
  • 3 reward points for every Rs. 100 spent on domestic spends 6 reward points on every Rs. 100 international spend with ICICI Bank Sapphiro Platinum American Express Credit Card.
  • 1 reward point for every Rs. 100 spent on fuel, insurance and utility bills.
4000 reward points on spends of Rs. 4,00,000 and 2000 points on crossing Rs. 1,00,000 thereafter with a maximum of 20000 points in an anniversary year.
ICICI Bank Emeralde Credit Card
  • A gift voucher worth Rs. 5000 from Da Milano on a spend of Rs. 2,00,000 on the card in the first two months of joining.
  • 4 reward points on every Rs. 100 spent on retail transactions except fuel.
  • 1 reward point for every Rs. 100 spent on insurance and utility bill.
 Nil
ICICI Bank Diamant Credit Card
  • 3 reward points for every Rs. 100 domestic spend.
  • 6 reward points for every Rs. 100 international spend.
 Nil
MakeMyTrip ICICI Bank Signature Credit Card
  • Get a My Cash of Rs. 1500 MMTDOUBLEBLACK and MMTBLACK enrolment plus Lemon Tree Hotel Voucher of Rs. 2500 as a welcome gift.
  • For the first two eligible domestic flight cancellation and for the first two eligible hotel booking cancellation, you will get full refund to your My Cash Account.
  • For every domestic spend of Rs. 200 you earn a My Cash of 1.2.
  • For every international spend of Rs. 200 outside Make My Trip you earn a My Cash of 1.50.
  • For every Rs. 200 domestic spend on flight bookings at MakeMyTrip you earn a My Cash of 2 and for every Rs. 200 on hotel/holiday bookings on MakeMyTrip you earn a My Cash of 4.
  • On crossing a spend of Rs. 20000 you earn a My Cash of 500.
  • On crossing a spend of Rs. 50,000 you earn a My Cash of 2000.
  • On crossing a spend of Rs. 2 lakhs you earn a My Cash of 7500.
  • On crossing a spend of Rs. 5 lakhs you earn a My Cash of  15000.
MakeMyTrip ICICI Bank Platinum Credit Card
  • Earn a My Cash of Rs. 500 and complimentary MMTBLACK membership and voucher worth Rs. 2000 from Lemon Tree Hotels as a welcome gift.
  • For every Rs. 200 domestic spends outside MakeMyTrip you earn 1 My Cash and for every Rs. 200 international spend outside MakeMyTrip you earn 1.25 My Cash.
  • For every Rs. 200 spend on flight bookings on MakeMyTrip you earn 2 My Cash.
  • For every Rs. 200 spent on hotel/holiday bookings on MakeMyTrip you earn 3 My Cash.
  • For an annual spend of Rs. 2.50 lakhs you get 1000 My Cash each anniversary year.
  • For a spend of Rs. 50000 on flight/holiday/hotel bookings at MakeMyTrip you earn 1000 My Cash.
  • For crossing spend level of Rs. 20,000 you earn My Cash of 500.
  • For crossing a spend of Rs. 50,000 you earn a My Cash of 2000.
  • For crossing a spend of Rs. 2 lakhs you earn a My Cash of 7500.
  • For crossing a spend of Rs. 5 lakhs you earn a My Cash of 15000.
ICICI Bank HPCL American Express Coral Credit Card
  • Earn 6 reward points for every Rs. 100 spent at HPCL Petrol Pumps.
  • Earn 2 reward points on all other retail spend.
  • 2.5% cashback on fuel spends at HPCL petrol pumps for a transaction over Rs. 500.
 Nil
ICICI Bank HPCL Coral Master/Visa Card2 reward points for every Rs. 100 spent except for fuel. Nil
ICICI Bank HPCL Platinum Credit Card2 reward points for every Rs. 100 spent except for fuel. Nil
Manchester United Signature Credit Card
  • 5 reward points on days when Manchester United plays a premier league match.
 Nil
Manchester United Platinum Credit Card3 reward points on days when Manchester United plays a premier league match. Nil
ICICI Bank Expressions Credit Card
  • 3 reward points for every Rs. 100 spent.
  • 1 reward point for every Rs. 100 spent on insurance and utility bills.
 Nil

✅ How to avail the EMI facility on ICICI Bank Credit Card?

The cardholder has to request for conversion of a certain purchase into EMI. If there is a requisite balance in the card, the purchase will be converted into EMI automatically. The credit card statement will clearly indicate that the transaction has been converted into EMI.

✅ What is the advantage of the Card Protection Plan?

If you have multiple cards and all in one wallet which gets lost or stolen. Imagine the plight in such a situation. It is a herculean task to get all the cards blocked at one time. It is here that the Card Protection Plan comes handy. You have to just give a call to their customer care and they will contact all your card issuers and get the cards blocked. Not only that, they also arrange for emergency replacement and emergency cash assistance if you have lost cash along with the cards. This service is available at anytime and anywhere in the world.

✅ Explain the procedure to avail railway lounge access with ICICI Bank Credit Card?

Eligible cardholders have to present the valid credit card and valid railway ticket at the entrance of the participating lounges to get access.

✅ Does the contactless transaction happen even while crossing the contactless terminal?

No, the contactless transaction happens only when the card is waved at maximum range of 4 cms. So, there are no chances of a transaction happening if the customer is at a short range from the terminal.

✅ What happens if amount paid to the card is more than the outstanding balance in the credit card statement?

If an amount in excess of the outstanding balance is paid, the same will not be reversed but will be adjusted for any further transaction made on the card.

✅ How to download the credit card statement?

To download the credit card statement, log in to internet banking account. Go the My Accounts, then to Credit Cards. From Credit Cards go to Service Request and choose Credit Card statement request-E-mail and opt for the date required. You can then download the statement in PDF format.

✅ What is the procedure to increase the credit limit?

If there is eligibility for an enhanced credit limit, an SMS will be sent on the registered mobile number to avail the same. If you respond to the SMS, a representative of the bank will get in touch with you. Otherwise, you can call the customer care and enquire about your eligibility and then place a request.