Hello,

Guest!

ICICI Credit Card Reward Points

ICICI Bank Credit Cards enable purchases even without easy access to cash. Besides, there are reward points for purchases on all the variants of the ICICI Bank Credit Cards that can be accumulated and redeemed. The number of reward points depends on the credit card availed. Read on to know all about the ICICI Bank Credit Card reward points.

Updated:

About ICICI Bank Credit Cards

ICICI Bank is a premier banking institution in the private banking sector in India. The bank has a widespread network in almost every town in India. By virtue of its technological advancements, ICICI Bank has an extensive clientele spread across every nook and corner of the country. The bank offers various services of which the credit card is one of the most popular products. ICICI Bank takes great pride in being innovative by introducing new products like 'Card in a Flash' where pre-selected customers can get their credit card instantly online. One of the highlights of the ICICI Bank credit card is the well-formulated rewards programs. Almost all ICICI Bank credit cards offer some sort of rewards or the other.

ICICI Bank Credit Card Rewards Program

Rewards points are the best incentives for people to use ICICI Bank credit cards. Apart from the regular benefits available on these cards, the customer gets rewards for using the card. These points are redeemable later on for attractive gifts and other products and services. ICICI Bank Credit Cards offers three types of rewards programs.

  • Handpicked Rewards - Available to premium credit cardmembers of ICICI Bank as a token of appreciation of patronising the card
  • ICICI Bank Rewards Powered by PAYBACK - This program has the backing of India's largest rewards programme, PAYBACK.
  • ICICI Bank Rewards - allows customers to earn handsome rewards and redeem them from a host of options.
Card ProductIdeal forNumber of cardsNumber of reward programs

Handpicked Rewards

Premium and pre-selected cardholders

Six cards

34

ICICI Bank Rewards powered by PAYBACK

All credit cardholders

Seven cards

Redeem PAYBACK points for a variety of gifts

ICICI Bank Rewards

All credit cardholders

Ten cards

Ten

Additional Info: Check ICICI Bank Credit Card Status Online.

ICICI Bank Credit Cards - How to apply

ICICI Bank offers facilities to apply for credit cards online. Visit the official webpage of ICICI Bank Credit Cards and proceed with the application.

Provide the following information about yourself:

  • Name and date of birth
  • Mobile number
  • Current residential location
  • Email address
  • Type of employment
  • Existing relationship with ICICI Bank
  • Indicate whether you own a credit card

Authorise ICICI Bank marketing officials to contact you concerning your credit card application. Click on "Get Offers" to receive information on the range of credit cards on offer.

ICICI Bank Credit Cards - At a glance

ICICI Bank offers six different types of credit cards.

Card ProductFeatures/Benefits at a glance

Gemstone Cards

Coral Credit Card - MasterCard

  • 10,000 PAYBACK points annually
  • One complimentary domestic/Indian airport lounge visit per quarter
  • One complimentary railway lounge visit per quarter
  • Two complimentary movies per month
 

Rubyx Credit Card

  • Benefits of American Express and MasterCard
  • Welcome gift of 5,000
  • 15,000 PAYBACK points annually
  • 2X rewards on international spending
  • Two complimentary airport lounge access per quarter
 

Sapphiro Credit Card

  • Twin benefits of American Express and MasterCard
  • Welcome gift 10,000
  • 20,000 PAYBACK points annually
  • 2X rewards on international spends
  • Two complimentary airport lounge and airport spa sessions
 

Coral Card Visa

Same as that of Coral MasterCard

 

Coral American Express Card

Same as that of Coral MasterCard

Airline Cards

Jet Airways Coral Visa Card

  • Welcome Bonus - 2,500 JPMiles
  • 4 JPMiles/100
  • Renewal - 1,250 Bonus JPMiles
 

Jet Airways Coral American Express Card

  • Welcome Bonus - 2,500 JPMiles
  • 6 JPMiles/100
  • Renewal - 1,250 JPMiles
 

Jet Airways Rubyx American Express Cards

  • Welcome Bonus - 5,000 JPMiles
  • 8 JPMiles/100
  • Renewal - 2,500 JPMiles
  • 5% discount on base fare booking
 

Jet Airways Rubyx Visa Card

  • Welcome Bonus - 5,000 JPMiles + Complimentary Jet Airways ticket code
  • 6 JPMiles/100
  • Renewal - 2,500 JPMiles + Complimentary Jet Airways code
  • 5% discount on base fare booking
 

Jet Airways Sapphiro American Express Card

  • Welcome Bonus - 10,000 JP Miles + Complimentary Jet Airways ticket code
  • 10 JPMiles/100
  • Renewal - 5,000 JPMiles + Complimentary Jet Airways ticket code
  • 5% discount on base fare booking
 

Jet Airways Sapphiro Visa Card

  • Welcome Bonus - 10,000 JPMiles + complimentary ticket code
  • 8 JPMiles/100
  • Renewal - 5,000 JPMiles + complimentary ticket code
  • 5% discount on base fare booking

Contactless Cards

HPCL Coral Contactless card

  • Visa PayWave Technology
  • 2.5% cashback and 1% fuel surcharge waiver at HPCL petrol bunks
  • 100 discount on two movie tickets per month
  • 15% savings on dining
 

Coral Contactless credit card

  • 10,000 PAYBACK Points annually
  • One complimentary domestic airport lounge per quarter
  • One complimentary railway lounge per quarter
  • Two complimentary movies every month

Fuel Cards

HPCL Coral Credit Card

  • 2.5% cashback and 1% fuel surcharge waiver at HPCL petrol bunks
  • Two PAYBACK points/100
  • 100 discount on two movie tickets every month
  • 15% savings on dining
 

HPCL Coral American Express Card

  • 2.5% cashback and 1% fuel surcharge waiver at HPCL petrol pumps
  • Six PAYBACK Points/100 on fuel at HPCL bunks
  • 100 discount on two movie tickets per month
  • 15% savings on dining
 

HPCL Coral Credit Card Visa

Same as that of HPCL Coral Credit card

Metro Cards

Unifare Bangalore Metro Credit Card

  • 15% discount on travel fare at Namma Metro
  • 1% fuel surcharge waiver at HPCL pumps
  • Eight PAYBACK points/Auto recharge
  • Automatic Metro Balance recharge with auto top-up facility
 

Unifare Mumbai Metro Credit Card

  • Auto recharge facility
  • 12.5% discount on Mumbai metro travel
  • Eight PAYBACK points/Auto recharge
  • 1% fuel surcharge waiver at HPCL bunks
  • 15% discounts on dining
 

Unifare Delhi Metro Credit Card

  • Auto Recharge facility
  • 10% discount on Metro travel
  • 1% fuel surcharge waiver at HPCL pumps
  • 15% discounts on dining

Ferrari and other cards

Platinum Chip Credit Card - Visa

  • Two PAYBACK points/100
  • 15% savings on dining expenses
  • 1% fuel surcharge waiver at HPCL pumps
 

Platinum Chip Credit Card - MasterCard

Same benefits as Visa Card

 

Ferrari Signature Credit Card

  • Welcome complimentary Scuderia Ferrari watch
  • 20% off on Ferrari merchandise at Ferrari Store in Maranello, Italy
  • 15% discount on Ferrari merchandise at Ferrari online stores
  • Top spenders can attend Ferrari challenge race
 

Manchester United Platinum Credit Card

  • Welcome gift - MU branded football
  • Attend MU Premier League match at Old Trafford
  • Top 20 spenders get MU branded shirt monthly
  • 10% off on MU megastore United Direct
  • One complimentary access per quarter at airport lounges in India
  • Three PAYBACK points/100
 

Manchester United Signature Credit Card

  • Welcome gift - MU branded football
  • Attend MU Premier league match at Old Trafford
  • Top 50 spenders - MU branded shirt monthly
  • 10% discount - MU Megastore
  • Two complimentary passes per quarter at airport lounges in India
  • Five PAYBACK points/100
 

MakeMyTrip Platinum Credit Card

  • Benefits worth 20,000
  • 500 My Cash plus Lemon Tree Hotels voucher worth 2,000
  • Complimentary domestic airport and railway station lounge access
  • Save up to 6,000 on movie tickets
  • 1% fuel surcharge waiver at HPCL pumps
 

MakeMyTrip Signature Credit Card

  • Benefits up to 70,000
  • 1,500 My Cash plus MMTDOUBLEBLACK and MMTBLACK enrolment plus Lemon Tree vouchers worth 2,500
  • Every sixth ride on Ola free
  • Complimentary Airtel international roaming pack
  • Complimentary foreign and domestic airport lounge and railway lounge access
  • Savings up to 7,200 on movie tickets
 

Ferrari Platinum Credit Card

  • 20% discount at the Ferrari Store in Maranello, Italy
  • 15% on Ferrari online stores
  • Buy 1, Get one offer at BookMyShow
  • Complimentary domestic airport lounge access

Also Check:  CIBIL score for credit card

ICICI Bank Credit Card Rewards Program

Handpicked Rewards

Get the advantage of handpicked rewards from ICICI Credit Cards.

The Benefits

  • Every time you spend on the ICICI Bank credit card, you earn reward points
  • There is no ceiling on the number of Handpicked rewards you earn.
  • The highlight is that these rewards points do not have any expiry date
  • Redeem these rewards points for a variety of benefits like fashion to fragrances, dining, holidays, and so on.

Eligible Cards

  • ICICI Bank Sapphiro Visa Credit Card
  • ICICI Bank Rubyx Visa Credit Card
  • ICICI Bank Visa Signature Credit Card
  • ICICI Bank Platinum Identity Credit Card
  • ICICI Bank Ascent American Express Credit Card
  • ICICI Bank Platinum Credit Card

Ways to earn handpicked rewards

  • Everyday Shopping - Using your ICICI Bank credit cards for your daily shopping requirements like grocery, online shopping, and even dining can earn accelerated handpicked rewards points.
  • High-Value Purchases  Purchase high-value items like jewellery and use your ICICI Bank credit card for paying the same. Similarly, use the ICICI Bank credit card to pay for your hotel and travel booking.
  • International Travel - Use your ICICI Bank credit card at overseas locations when travelling abroad.
  • Automatic Bill Pay - Pay your utility bills like electricity, gas, phone, and water bills using the ICICI Bank credit card to earn handpicked rewards points.
  • Supplementary Cards - Two family members aged more than 18 years are eligible to receive the additional cards and use them to earn rewards faster.
Handpicked Rewards - At a glance

Product

Description of the rewards

Code to use

Points to be redeemed

InterMiles

200 InterMiles

JP0003

300

Amazon

Gift voucher worth 1,000

SR5021

1,500

Arrow

Gift voucher worth 500

HR1001

620

Zodiac

Gift voucher worth 500

HR1002

650

Give India

Annamrita Midday Meal for five school children in a year worth 1,100 through Annamrita -ISKCON Food Relief Foundation

SR5011

1,600

Give India

Donating a set of spectacles worth 550 to two patients through Sankara Nethralaya

SR5012

800

Give India

Medical support to underprivileged mothers and babies worth 550 through the Foundation of Mother and Child

SR5023

800

Give India

Support farmers in agriculture and education of their kids worth 1,100 through Manuvikasa

SR5024

1,600

Give India

Support elderly destitute women worth 550 through Maitri India

SR5025

800

Give India

Support education of a tribal child for a year worth 1,100 through Kalinga Institute of Social Sciences

SR5026

1,600

Graphite

Premium men's leather wallet

AC5003

1,120

FabIndia

Gift voucher worth 1,000

SR3593

1,250

Flipkart

Gift voucher worth 1,000

SR5009

1,450

Lifestyle

Gift voucher worth 1,000

SR3587

1,250

Mainland China

Dining voucher 1,000

SR3507

1,250

Nike

Gift voucher for 1,000

SR3504

1,250

Tanishq

Voucher for 5,000

HR1228

7,000

Shoppers Stop

Gift voucher - 1,000

SR3510

1,250

Westside

Gift voucher worth 1,000

SR3580

1,250

Croma

Gift Voucher for 1,000

HR1056

1,300

Pizza Hut

Gift voucher - 1,000

HR1015

1,300

Hidesign

Gift voucher worth 1,000

AC6027

1,500

GUESS

EDP Spray 75ml

HR1059

4,000

Genesis La Mode

Voucher - 10,000

HR1220

15,500

MakeMyTrip

Voucher - 5,000

SR5027

7,250

MakeMyTrip

Voucher for 10,000

SR5028

14,500

Yatra

Voucher - 10,000

SR5029

14,500

BookMyShow

Gift Voucher - 1,000

SR5030

1,400

Big Basket

Gift voucher - 1,000

SR5031

1,400

Central

Gift Voucher - 1,001

SR5032

1,400

Bata

Gift Voucher - 1,000

SR5033

1,400

Big Bazaar

Gift Voucher - 1,000

SR5034

1,400

Baskin Robbins

Gift Voucher - 500

SR5035

700

Titan

Gift Voucher - 1,000

SR5036

1,400

How to redeem rewards points

Redeem your rewards points online

Through Internet banking

  • Login to your ICICI Bank internet banking portal
  • Proceed to the Credit Cards page and click on the Rewards Points section
  • Click on 'Redeem Online'
  • Use the dropdown menu for selecting your preferred item
  • Note down the unique ID number for future reference

With a Phone Call

  • Call the 24-hour customer care centre in your city and seek the assistance of the customer service representative.
  • Specify the item code of the reward you want to redeem.
  • Note down the unique ID number.

It should take a minimum of ten working days for the receipt of your gifts.

ICICI Bank Credit Card - Charges

Credit Card ProductJoining feeAnnual fee 1st yearAnnual fee 2nd yearSupplementary Card feeMinimum spending for a waiver

Sapphiro

6,500

 -

3,500

-

Six lakhs

Sapphiro Visa

6,000

 -

3,500

-

Six lakhs

Signature

25,000

 -

2,000

-

NA

British Airways Premium

-

7,000

7,000

-

NA

British Airways Classic

-

3,500

3,500

-

NA

Rubyx

3,000

-

2,000

-

Three lakhs

Rubyx Visa

3,000

-

2,000

-

Three lakhs

InterMiles Sapphiro American Express

5,000

-

5,000

250

NA

InterMiles Sapphiro Visa

5,000

-

5,000

250

NA

InterMiles Rubyx American Express

2,500

-

2,500

250

NA

InterMiles Rubyx Visa

2,500

-

2,500

250

NA

InterMiles Coral American Express

1,250

-

1,250

250

NA

InterMiles Coral Visa

1,250

-

1,250

250

NA

Ferrari Signature

3,999

-

999

-

2.50 lakhs

Ferrari Platinum

499

-

499

-

1.25 lakhs

Ascent American Express

4,000

-

1,000

-

NA

Platinum Identity

2,000

-

750

-

NA

Coral

500

-

500

-

1.50 lakhs

Coral American Express

500

-

500

-

1.50 lakhs

Carbon

1,000

-

-

-

NA

HPCL Co-branded cards

199

-

199

-

50,000

Platinum Chip

199

-

99

-

50,000

MU Signature

2,499

-

2,499

100

2.50 lakhs

MU Platinum

499

-

499

100

1.25 lakhs

Unifare

299

-

299

299

50,000

Coral Fixed Deposits

500

-

500

-

NA

Instant Platinum

-

-

-

-

NA

MakeMyTrip Platinum

500

-

-

250

NA

MakeMyTrip Signature

2,500

-

-

250

NA

Expressions

499

-

499

199

1.50 lakhs

Finance Charges

ICICI Bank Card VariantOverdue interest MonthlyInterest on Cash Advance monthly

MU Credit Cards

3.67%

3.67%

InterMiles and MakeMyTrip Cards

3.50%

3.50%

Instant Platinum, Instant Gold, and Fixed Deposit Interest Card

2.49%

2.49%

All other credit card variants

3.40%

3.40%

Other Fees

InterMiles Capping Fee

7,500

Duplicate Statement - More than three months old

100

Card Replacement

100

199 for Expression Credit Card

Cheque/Cash Pick Up

100 per instance

Charge Slip request

100 per slip

Foreign Currency Mark-up

3.50%

Cash Advance - transaction fee

2.50% of the advance amount with a minimum of 300

On Easy Deposit Card - Nil at ICICI Bank ATMs

On Cash Card - 151

Redemption Handling fee

Handpicked rewards - 99

ICICI Bank Rewards - 99

ICICI PAYBACK Rewards - 99 for catalogue-based redemptions and 25 for online and in-store redemptions

Dial-a-draft - transaction fee

3% with a minimum of 300

Late payment charges

Less than 100 - No charges

100 to 500 - 100

501 to 10,000 - 500

More than 10,000 - 750

Over limit charges

2.50%

Cheque Return charges

2% with a minimum of 450

Auto-debit bounce charges

2% with a minimum of 450

Cash payment at branches

100

Outstation cheque collection

1% with a minimum of 100

Railway Booking Surcharge

Internet Booking - 1.80%

Other bookings - 2.50%

Fuel Surcharge

1% or 10 whichever is higher

Waiver available for transactions at HPCL pumps for a maximum transaction of 4,000

Additional Reading:  CIBIL Score Calculation

ICICI Bank Credit Card Rewards Points FAQs

How do I check my ICICI Bank reward points balance?

image

There are various ways to check your rewards points balance and summary.

  • Internet Banking - Login to internet banking using your username and password. Proceed to Exclusive Offerings and click on the Reward Points Option. Select the View Rewards option and submit your request to get your points balance as on that day.
  • I-Mobile - Login to your ICICI Bank mobile application and proceed to Smart keys and services. Under the Account services heading, you find the option, 'Rewards Points.'
  • SMS - Use your registered mobile number with the bank to send the SMS. Type "DCPBAL" Last four digits of your ICICI Bank account number to 9212146468.

How do I earn my ICICI Bank reward points?

image

Use your ICICI Bank credit card for your regular shopping and other activities. The points automatically accrue to your account. The more you spend on the card, the higher is the points you earn. ICICI Bank offers add-on cards to the immediate members of your family. They can also pay on their cards to accumulate your reward points.

When do the points reflect in my account?

image

Usually, it should take 24 to 48 hours for the updating of the reward points in your account. You get a summary of the points you have earned along with your credit card bill/statement.

Should I have to enrol for the ICICI Credit Cards rewards points programme separately?

image

No, all eligible credit cardholders automatically qualify for the rewards points programme. You do not have to enrol separately.

How long does it take for ICICI Bank to process the redemption request?

image

If you redeem your rewards points for gift vouchers, you get them immediately into your email account. If you order your gifts, it will take a minimum of 10 working days for the delivery of the gifts at your communication address.

What will happen if ICICI Bank is unable to deliver the gifts?

image

ICICI Bank used reputed courier agencies for delivering gifts. These agencies will try every method in the book to locate you. If they are unable to do so, after repeated attempts, ICICI Bank will cancel the redemption request and credit the reward points back to your account.

What is the better option, a gift voucher or a gift from the catalogue?

image

Usually, a gift voucher is better because it offers you an extended range. For example, an Amazon or Flipkart gift voucher entitles you to choose your product from the massive range of merchandise available on these ecommerce websites. This option is not available when you select your specific gift from the catalogue

Do my reward points expire?

image

It depends on the type of credit card you use. Some of the reward points do not have any expiry date, whereas others expire after two years. However, you get notifications over SMS and email about the status of expiry of your gift points. Accordingly, you can redeem them.

How do I determine the status of the gifts I have ordered?

image

You can call the ICICI Bank Customer Care centre on 1860-120-7777 between 7 am and 9 pm any day from your registered mobile number. You have to inform your unique reference ID to know the status of the delivery of the gifts.

Is there any option to change the item I have ordered?

image

No, there is no option to change the item after you have ordered for the same.

Additional Reading:  CIBIL score check free online by pan number