Best ICICI Bank Credit Cards

Joining Fee: Rs. 500
Annual/ Renewal Fee: Rs. 500 from second year onwards
Best Suited For: Rewards

ICICI Coral Credit Card is an entry-level card offering benefits across multiple categories, such as rewards, travel, entertainment, and more. Cardholders can earn rewards on every spending category, including utility spends, and later redeem them against numerous options as per their convenience. Some of the major features and benefits of this credit card are as follows:

• 2 reward points per Rs. 100 spent
• 1 reward point per Rs. 100 spent on insurance & utility spends, including government transactions
• 25% discount on BookMyShow and Inox up to Rs.100 on the purchase of minimum 2 movie tickets per transaction, twice a month
• 1 complimentary domestic lounge access every quarter on spending a minimum of Rs. 35,000 or above in a calendar quarter
• On spending Rs. 2 Lakh with the card, you get 2,000 reward points and additional 1,000 reward points on spending Rs. 1 Lakh
• 1% fuel surcharge waiver fuel transactions at Hindustan Petroleum Corporation Limited Pumps

Suggested: Best Travel Credit Cards | Check Eligibility for Similar Cards

Who Should Get This Card?

ICICI Coral Credit Card is an entry-level credit card suitable for new-to-credit individuals. This card lets you earn reward points on your purchases, even on mostly excluded categories, such as utility payments, which can later be redeemed across various options. The card offers a basic reward rate of 2 reward points per Rs. 100 spent. However, at an annual fee of Rs. 500, additional benefits like discount on movie tickets twice a month definitely enhance the overall value of this card. Overall, this credit card is suitable for individuals wanting to earn basic benefits at a lower annual fee.

Joining Fee: Rs. 500
Renewal Fee: Rs. 500 (waived off on spending Rs. 1.5 lakh in a year)
Best Suited For: Fuel Benefits

HPCL Super Saver credit card is a co-branded fuel credit card with cashback offer on fuel spends. It also offers reward benefits on select categories of everyday spends, movie discounts and spend based airport lounge access. It is best suited for those who are HPCL fuel loyalists. Some of the top features and benefits offered by this card are as follows:

• 2,000 reward points as welcome benefits on card activation and Rs. 100 cashback on HP Pay app
• 5% back as reward point on grocery, departmental stores & utility bill spends
• 4% cashback on HPCL fuel spends with extra 1.5% back as reward points on payment via HP Pay app
• 2 reward points per Rs. 100 spent on retail purchases, expect fuel
• 25% off up to Rs. 100 twice a month on BookMyShow and INOX on minimum booking of 2 tickets
• 1 complimentary domestic airport lounge access on spending Rs. 5,000 per calendar quarter

Suggested Read: Top Fuel Credit Cards in India | Check Eligibility for Similar Cards

Who Should Get This Card?

HPCL Super Saver card is the best ICICI credit card for fuel based benefits as it offers a decent cashback of up to 5.5% on your fuel spends. However, you can avail these fuel benefits only if you buy fuel at HPCL petrol pumps. Additionally, it also provides good returns on many of your everyday home expenses. Its annual fee is low which can also be waived on spending Rs 1.5 lakh per year. This card is a good choice for you if you are looking for a card with accelerated benefits on HPCL fuel purchase, along with rewards on your grocery and utility bill payments.

Joining Fee: Rs. 999
Annual/ Renewal Fee: Rs. 999
Best Suited For: Travel

MakeMyTrip ICICI Bank Credit Card is a co-branded credit card with MakeMyTrip. The card is a replacement for the previously offered Platinum and Signature MMT Cards and works on a similar rewards model offering myCash on every spend that is redeemable for travel bookings. However, it offers a better value back of up to 6% on all travel bookings. Additionally, non-MMT travel bookings also fetch a 1% return. Below mentioned are some of the key features of this credit card:

• Unlimited 6% myCash- 12 myCash per Rs. 200 spent on hotel bookings via MakeMyTrip
• Unlimited 3% myCash- 6 myCash per Rs. 200 spent on flights, holiday packages, cabs & bus bookings via MakeMyTrip
• 1% myCash- 2 myCash per Rs. 200 spent on all other spends, including domestic & international spends outside MakeMyTrip
• 25 myCash on every train booking via MakeMyTrip
• Value of 1 myCash = Rs. 1
• 8 complimentary domestic airport lounge visits every year
• 1 complimentary international airport lounge visit in a year
• Low forex markup fee of 0.99%
• MMT voucher worth Rs. 1,000 and MMTBLACK Gold Membership on card activation
  (Tier upgrade to Platinum on annual spends of Rs. 2 Lakh or more, in addition to completing over 4 trips)
• Movie benefits with BookMyShow and INOX, Buy 1 ticket and get 25% off (Max. Rs. 150) on the second ticket twice a month.

Who Should Get This Card?

In addition to the value back, this upgraded variant has an edge due to other factors as well, including a low forex makeup fee and international lounge access. Overall, this card is a great fit for frequent travellers seeking all-round travel benefits. However, considering this is a co-branded card, it is better to assess your brand loyalty towards MakeMyTrip, as the redemption also circles back to the brand.

Joining Fee: Rs. 5,000
Renewal Fee: Rs. 5,000
Best Suited For: Travel & Shopping

Adani One ICICI Signature Credit Card is an upgraded variant of Adani One ICICI Platinum Credit Card. Users can earn accelerated rewards for spends within the Adani ecosystem and redeem them for services like flight/ hotel bookings, spends at Adani-operated airports, store purchases, and more through the Adani One app.

• Hotel voucher worth Rs. 2,000 & holiday voucher worth Rs. 2,000 on card activation
• Flight voucher worth Rs. 5,000 on spending Rs. 25,000 within 60 days of card activation
• 7% Adani reward points on spends across Adani One ecosystem, Adani managed airports, Trainman, Gas, Electricity, etc.
• 2% Adani reward points on international spends
• 5% Adani reward points on domestic spends, excluding fuel & rent payments
• 5% Adani reward points on utility & insurance
• 4 complimentary domestic lounge access per quarter & 2 complimentary international lounge access per year
• 4 premium lounge upgrades every quarter, 4 valet parking every year, 4 premium car parking every year & 2 porter services on every Rs. 1 Lakh spent
• 50% off, up to Rs. 500, twice a month on BookMyShow

Who Should Get This Card?

Adani One ICICI Signature is a co-branded credit card designed for users who want to earn premium airport-linked benefits. Frequent travellers who prefer to shop within the Adani ecosystem can maximize their benefits by availing exclusive privileges at associated brands. Complimentary lounge access, hotel & flight vouchers, and premium airport-linked services make this card a suitable option for frequent travellers. In addition to this, free movie tickets, a fuel surcharge waiver, and rewards on utility spends enhance the overall value of this card.

Joining Fee: Rs. 6,500
Annual/ Renewal Fee: Rs. 3,500 (waived off on spending more than Rs. 6 lakh in a year)
Best Suited For: Travel & Shopping

ICICI Bank Sapphiro Credit Card is a premium credit card that is best suited for people who frequently travel and want to avail premium benefits. This card offers benefits for both domestic and international travellers. You can avail premium privileges, such as lounge access, gold privileges, Dreamfolks membership and more via this credit card. Some of the key features of this premium credit card are as follows:

• Welcome vouchers on shopping & travel worth more than Rs. 9,000
• Up to 20,000 ICICI reward points every anniversary year
• ICICI reward points on every Rs. 100 spent- 4 points on international, 2 on domestic, and 1 point on utility & insurance spends
• Complimentary DreamFolks Program membership with international airport lounge and domestic airport spa access
• 4 complimentary domestic airport lounge visits on a minimum spend of Rs. 5,000 or above in a calendar quarter
• Up to 4 complimentary rounds of golf per month based on eligible card spends
• Up to Rs. 500 off on the second ticket on booking 1 movie/event ticket on BookMyShow

Suggested: ICICI Bank Sapphiro Credit Card Review | Check Eligibility for Similar Cards

Who Should Get This Card?

ICICI Bank Sapphiro Credit Card is best suited for frequent domestic and international travellers as it offers more benefits on the travel category, especially in terms of airport lounge access. However, an annual fee of Rs. 3,500 might take a toll on your pocket. Hence, apply for this card if you are ready to pay a high annual fee. Apart from travel, other benefits provided on this credit card are also satisfactory. Overall, this is the right option if you want to avail international benefits like lounge access or better rewards on international transactions.

Joining Fee: Rs. 12,499
Renewal Fee: Rs. 12,499
Best Suited For: Rewards, Travel & Lifestyle Benefits

ICICI Bank Emeralde Private Metal Credit Card is a premium credit card that is best suited for high net worth individuals who want to avail luxurious benefits and are ready to pay a high annual fee. Some of the key features and benefits of this credit card are as follows:

• Complimentary Taj Epicure membership for the 1st year from the date of card issuance
• 12,500 bonus ICICI reward points every year on card activation after the payment of joining or card renewal fee
• 6 ICICI reward points on every Rs. 200 spent on grocery, education, insurance and utilities, including government transactions
• Vouchers worth Rs. 6,000 as milestone benefits
• Priority Pass membership with unlimited access to international lounges
• Unlimited domestic lounge access at select Indian airports
• Unlimited golf lessons or rounds every month by creating a Golftripz account to book your slots
• Complimentary EazyDiner membership every year with perks like 25% to 50% off on dining at top restaurants in India and Dubai, etc.
• Buy 1 ticket and get up to Rs. 750 off on the 2nd ticket on BookMyShow bookings twice a month

Suggested: Best Super Premium Credit Cards in India | Check Eligibility for Similar Cards

Who Should Get This Card?

ICICI Bank Emeralde Private Metal Credit Card is a super-premium credit card that offers benefits across different spending categories, such as travel, lifestyle, entertainment and more. With premium benefits like complimentary memberships, 3% reward rate, unlimited domestic & international lounge access, unlimited golf games, up to 50% on dining, free movie tickets, this credit card compliments its annual fee. This credit card is a good choice for high spenders looking for a premium card that spanning across different category spends to boost your savings while you lead a life of comfort.

Joining Fee: Rs. 20,000
Renewal Fee: Rs. 20,000
Best Suited For: Premium Benefits

Times Black ICICI Bank Credit Card is a co-branded premium card with Times Internet Limited. At a high annual fee of Rs. 20,000, it caters to the premium travel and lifestyle requirements of the elites. Beyond some expected premium benefits, it stands out for its exceptional multiple milestone benefits. Some key features of this card are:

• 2% reward points on domestic spends
• 2.5% reward points on international spends
• Value of 1 reward point = Up to Rs. 1 for products and vouchers, while 1 Reward Point = Rs. 0.40 for cashback
• Low forex markup fee of 1.49%
• 24×7 international and domestic concierge services
• Unlimited complimentary international and domestic airport lounge access
• Exclusive access to ET Awards events and luxury dining experiences hosted by celebrity chefs
• Comprehensive travel coverage with zero charges on flight or hotel bookings
• 1% fuel surcharge waiver, max. Rs. 1 lakh per month, on fuel spends worth up to Rs. 4,000
• EaseMyTrip gift card for luxury stay worth Rs. 10,000, Travel Visa benefits via Atlys and OneVasco worth Rs. 10,000, Toni&Guy and Interflora lifestyle gift cards worth Rs. 4,000, Zomato Gold annual membership and access to The Quorum Club on card activation and renewal
• Milestone Benefits:
  • On Rs. 2 lakh annual spends: International experiences and activities by Klook worth Rs. 10,000
  • On Rs. 5 lakh annual spends: Luxury airport transfers via BLADE India/Avis/Indian Travel House worth Rs. 10,000
  • On Rs. 10 lakh annual spends: Tata CLiQ Luxury gift card worth Rs. 10,000
  • On Rs. 20 lakh annual spends: One night luxury stay worth Rs. 20,000 by Ayatana Resorts
  • On Rs. 25 lakh annual spends: Annual fee waiver

Who Should Get This Card?

Beyond some expected premium-type benefits, this card stands out for its multiple milestone benefits offered on spend thresholds ranging from Rs. 2 Lakh to up to Rs. 20 Lakh. That way it offers card users multiple opportunities to earn benefits whether they are moderate or high spenders. With Rs. 25 Lakh spent in a year, it also offers an annual fee waiver, making it further suitable for the latter. However, since the benefits are brand-centric, card users must check if the partner brands align with their lifestyle preferences. Though the reward structure on the card is basic, the good part is it includes the often excluded categories in the rewards program. But no air miles redemption is offered, which could be limiting for some travelers.