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ICICI Bank Credit Card Eligibility

The ICICI Bank provides a wide range of credit cards that come with their respective features and benefits. There are separate ICICI credit cards for different purposes like traveling, lifestyle, security, and rewards. For each ICICI credit card, you will have to meet certain eligibility criteria.

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ICICI Bank Credit Card Eligibility Criteria

Given below are the general eligibility criteria applicable to most ICICI Bank Credit Cards:

  • All applicants who are salaried, self-employed, professionals, or businesspersons are eligible to apply for the ICICI Bank Credit Cards.
  • The minimum age of the applicant should be 21 years.
  • The maximum age of the applicant should be 65 years.
  • Any add-on card applicant should be at least 18 years old.
  • Different cards have different net annul income requirements for eligibility. However, the income ranges between Rs. 2.50 lakhs per annum to Rs. 30 lakhs per annum.
  • Every applicant must have a CIBIL score of over 750 to apply for a credit card from the bank.

Factors that Can Affect ICICI Bank Credit Card Eligibility

  • Age: Age is a vital factor that decides whether you are eligible for an ICICI credit card. The ICICI Bank requires you to be at least 21 years of age in order to be able to own a credit card. The maximum age limit for owning an ICICI credit card is 65 years.
  • Nationality: The ICICI bank requires you to be a citizen of India in order to be able to own their credit card. Not only that, the facility of credit cards is only accessible for individuals who are resident Indians. This means that Indians, who live outside the country or the Non-resident Indians, are not eligible for these credit cards.
  • Income: The income of an individual goes a long way to influence their eligibility for a particular ICICI credit card. Many ICICI Bank credit cards have a minimum income criterion that needs to be fulfilled to be able to be eligible for the card. Apart from that, the salary or gross income of a person defines their credit limit. For people with low salary the credit limit is much lower than the people with bigger salary. Therefore, if you are thinking of claiming a particular ICICI credit card, you have to check out its minimum salary criterion of that particular card in order to find out whether you are eligible for it or not.
  • Employment: The ICICI credit cards are available for both salaried as well as self-employed individuals. However, the salaried and the self-employed individuals have different eligibility criteria. If you want to claim a credit card from the ICICI Bank, ensure that you are employed and have a fixed source of income, either monthly or annually. If your income is lower than the specified criterion for a card, you cannot be eligible for that card.
  • Credit score: Credit score is based on the documentation of your previous credit files and it defines your worthiness as a credit card user. A good credit score is a crucial factor in the eligibility criteria of a credit card. A credit score is based on your promptness and punctuality regarding the payments of your due bills. A high credit score means that you are a responsible spender and can manage your payments on time. A good credit score also improves your reliability. Hence, building a good credit score can greatly influence your eligibility for a particular ICICI credit card.
  • Rapport with the bank: Last but not the least, your experience and rapport shared with the ICICI Bank play a huge role in determining whether you are eligible for a credit card. Quite a few of the credit cards offered by the ICICI Bank are for only a selected few clients. This means that if you have a good working rapport with the bank, you might be eligible for certain credit cards that the others cannot access.

Additional Info: Check ICICI Credit Card Status Easily.

Eligibility Criteria for Some of the ICICI Bank Credit Cards

Card NameEligibilityJoining Fee
ICICI Bank Diamant Credit CardEligibility to own this card is by invitation onlyRs. 1,25,000 + GST
ICICI Bank Emeralde Credit Card
  • The applicant must have a net monthly salary of Rs. 3,00,000 or above.
  • Applicant must be an existing customer of ICICI Bank Global Private.
Rs. 12,000 + GST
ICICI Bank Sapphiro Credit CardNet Annual income of the applicant should be minimum Rs. 15 lakhsRs. 6,500 + GST
ICICI Bank Rubyx Credit CardNet Annual income of the applicant should be minimum Rs. 10 lakhsRs. 3,000 + GST 
ICICI Bank Coral American Express Credit CardNet Annual income of the applicant should be minimum Rs. 5 lakhsRs. 500 + GST
ICICI Bank Coral Credit CardNet Annual income of the applicant should be minimum Rs. 5 lakhsRs. 500 + GST 
MakeMyTrip ICICI Bank Platinum Credit cardNet Annual income of the applicant should be minimum Rs. 2.5 lakhsRs. 500 + GST
ICICI Bank Instant Platinum Credit Card
  • Have a fixed deposit of min Rs. 20,000 with ICICI bank for a min period of 180 days to be eligible for this card.
  • The FD must be in the account holder’s name only.
Nil joining fee
ICICI Bank Coral Credit Card Against Fixed Deposit
  • Have a fixed deposit of min Rs. 20,000 with ICICI bank for a min period of 180 days to be eligible for this card.
  • The FD must be in the account holder’s name only.
Rs. 500 + GST 
ICICI Bank Rubyx Credit Card Against Fixed Deposit
  • Have a fixed deposit of min Rs. 75,000 with ICICI bank for a min period of 180 days to be eligible for this card.
  • The FD must be in the account holder’s name only.
Rs. 3,000 + GST 

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ICICI Bank Credit Card Eligibility FAQs

How can I activate my ICICI Bank credit cards?

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The issued credit cards that you receive from the bank are already activated. You do not need to activate them manually.

What is MAD?

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The full-form of MAD is Minimum Amount Due. It is the minimum amount that a cardholder has to pay to the bank in order to continue the services without having to pay a late fee. The Total Amount Due is the Minimum Amount + your credit card bill.

How can I expand my credit limit?

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You can be eligible to expand your credit limit only when you complete 12 months of using the credit card. On completion of the tenure, you can apply for an increase of your credit limit by the following processes:

  • For SMS: Type CRLIM last four digits of Card and send it to 5676766. This will extend your credit limit (as much as you are eligible for). This service is free of cost.
  • For iMobile App: Log in> Select Cards> Tap on your card number> Tap on Manage Limit> Tap on Desired Credit Limit
  • For Internet Banking: Log in to your credit card account> Tap on Manage Credit Limit
  • Give a call to the Customer Care: Check the Bank website for more information on Customer Care number.

Additional Reading: How to calculate credit score?

What is meant by Cash Limit?

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A credit card user can withdraw their money up to a limit, once the initial tenure of 180 days is over. The maximum sum of money that a user is eligible to withdraw is the Cash limit.

How can I track my online credit card application?

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Your application has a specific reference number. You can use this number to track your application process at: https://loan.icicibank.com/asset-portal/my-applications-login

How to block my ICICI Bank credit card?

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You can choose any one of the following procedures to block your credit card:

  • For Internet Banking: Go to My Accounts> Tap on Credit Cards> Tap on Block your Credit card- Instant Deactivation> Select your card number> Tap on submit
  • Call the Customer Care of the Bank: Check the Bank website for more information on Customer Care number.

Additional Reading: Top Credit rating agencies in India

Can I pay my ICICI credit card bill from an ATM?

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Yes, you can use your ICICI debit card to pay your credit card bill from an ATM.

What is my Credit Card Number?

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The ICICI credit card that is sent to you from the Bank has a 16-digit number engraved on top. (For American Express credit cards it is 15-digits). This is your Credit Card Number.