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 |
The following are the features and benefits of ICICI Bank Credit Cards:
The following criteria have to be complied with to qualify for ICICI Bank Credit Card
The following documents are required to apply for ICICI Bank Credit Cards.
Following are the joining and annual fees of ICICI Bank Credit Cards:
Name of the Card | Joining Fee | Annual Fee |
Platinum Chip Credit Card | Rs. 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 Card | Rs. 500 | Rs. 500 2nd year onwards |
ICICI Bank Coral Master/Visa Card | Rs. 500 | Rs. 500 2nd year onwards (waived on an annual spend of Rs. 1,50,000 in the previous year) |
ICICI Bank Coral Contactless Card | Rs. 500 | Rs. 500 2nd year onwards (waived on an annual spend of Rs. 1,50,000 in the previous year) |
ICICI Bank Rubyx Credit Card | Rs. 3000 | Rs. 2000 (waived on an annual spend of Rs. 3,00.000 in the previous year) |
ICICI Bank Sapphiro Credit Card | Rs. 6500 | Rs. 3500 2nd year onwards (waived on an annual spend of Rs. 6,00,000 in the previous year) |
ICICI Bank Emeralde Credit Card | Rs. 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 |
| Nil |
MakeMyTrip ICICI Bank Signature Credit Card | Rs. 2500 Rs. 250 for add-on card | Nil |
ICICI Bank HPCL Coral Master/Visa Card | Rs. 199 | Rs. 199 2nd year onwards (waived on an annual spend of Rs. 50,000 in the previous year) |
ICICI Bank HPCL Platinum Credit Card | Rs. 199 | Rs. 199 2nd year onwards (waived on an annual spend of Rs. 50,000 in the previous year) |
ICICI Bank Expressions Credit Card | Rs. 499 | Rs. 499 2nd year onwards (waived on an annual spend of Rs. 1.50 lakhs in the previous year) |
The following are the details of ICICI Bank Credit Card Charges
Name of the charge | Amount |
Finance charges | 2.49% p.m. to 3.5% p.m. depending on the card |
JP Miles uncapping charges | Rs. 7500 |
Duplicate statement charges | Rs. 100 |
Card Replacement | Rs. 100 (Rs. 199 for Expressions Credit Card) |
Cash/Cheque Pick-up fee | Rs. 100 |
Charge slip request | Rs. 100 per charge slip |
Foreign Currency Mark-up fee | 3.5% of the transaction. 1.5% for ICICI Bank Emeralde Card |
Transaction fee for cash advance | 1.99% to 2.50% on the amount subject to a minimum of Rs. 300, depending upon the card |
Redemption handling fee | Rs. 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 limit | 2.5% 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 charges | 2% of the amount with a minimum of Rs. 450 |
Cash payment charges | Rs. 100 |
The following methods can be adopted to make the payment of ICICI Credit Card dues.
If you are not a customer of ICICI Bank then you can do the payment by any of the methods mentioned below:
Platinum Chip Credit Card
ICICI Bank Coral American Express Card
ICICI Bank Coral Master/Visa Card
ICICI Bank Coral Contactless Card
ICICI Bank Rubyx Credit Card
ICICI Bank Sapphiro Credit Card
ICICI Bank Emeralde Credit Card
ICICI Bank Diamant Credit Card
MakeMyTrip ICICI Bank Signature Credit Card
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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.
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.
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.
Eligible cardholders have to present the valid credit card and valid railway ticket at the entrance of the participating lounges to get access.
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.
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.
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.
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.