5 Best ICICI Bank Credit Cards

Joining Fee: Nil
Annual/ Renewal Fee: Nil
Best Suited For: Online Shopping

Amazon Pay ICICI Credit Card is a co-branded credit card that offers benefits on online shopping. This card is specifically designed to avail discount on your purchases at Amazon. However, only Amazon Prime members can earn the maximum benefits via this credit card. Here are some of the key features of this card:

• 5% cashback on Amazon spends for Amazon Prime members
• 3% cashback on Amazon spends for Non-prime members
• 2% cashback on payments via Amazon Pay to 100+ partners
• 1% cashback on all other expenses on shopping, dining, travel and more
• Minimum 15% discount on your dining bill at participating restaurants under ICICI Culinary Treats Program
• 1% fuel surcharge waiver across all petrol pumps in India

Suggested: Amazon Pay ICICI Credit Card Review | Check Eligibility for Similar Cards

Who Should Get This Card?

Amazon Pay ICICI Credit Card is a suitable match for people who frequently shop at Amazon. The card lets you save up to 5% if you are a Prime member. However, if you are not a Prime member, then your cashback will be limited to 3% only. Therefore, getting this card only makes sense if you use Amazon for most of your online shopping needs. If you are looking for something that offers benefits on multiple brands, then you can look for other options.

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 and travel worth Rs. 9,000 within 45 days of payment of joining fees
• Up to 20,000 PAYBACK points on ICICI Bank rewards every anniversary year
• 4 complimentary domestic airport lounge visits per quarter on a minimum spend of Rs. 5,000 or above in a calendar quarter
• 2 complimentary international airport lounge visits and 2 complimentary domestic airport spa visits per calendar year, under Dreamfolks membership
• Up to 4 complimentary rounds of golf, every month at the golf course of your choice based on eligible spends on your card
• 4 PAYBACK points for every Rs. 100 spent on international transactions
• 2 PAYBACK points for every Rs. 100 spent domestically
• 1 PAYBACK point for every Rs. 100 spent on utilities and insurance categories
• Buy one ticket and get up to Rs. 500 off on the second ticket on bookings through 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. 2,500
Annual/ Renewal Fee: Nil
Best Suited For: Travel

MakeMyTrip ICICI Bank Signature Credit Card is a co-branded credit card that offers benefits on travel and hotel bookings along with access to the select airport or railway lounges in India. You can avail the maximum benefits of this card if you frequently travel and make bookings via MakeMyTrip. Below mentioned are some of the key features of this credit card:

• MakeMyTrip holiday voucher worth Rs. 2,500, Rs. 1,500 My Cash and complimentary MMTBLACK Exclusive membership on joining
• 4 My Cash per Rs. 200 spent on hotel/ holiday booking via MakeMyTrip
• 2 My Cash per Rs. 200 spent on flight booking via MakeMyTrip
• 1.25 My Cash per Rs. 200 spent on domestic transactions outside MakeMyTrip
• 1.50 My Cash per Rs. 200 spent on international transactions outside MakeMyTrip
• 1 free railway lounge access in a quarter
• 1 international lounge access and 1 spa session at select airports in India every year via Dreamfolks membership
• 2 free domestic lounge visits in the next quarter after spending Rs. 5,000 in the current quarter
• 10-day complimentary international roaming pack of Airtel on booking an international flight/ hotel via MakeMyTrip

Suggested: MakeMyTrip ICICI Bank Credit Cards Review | Check Eligibility & Apply Now

Who Should Get This Card?

MakeMyTrip ICICI Bank Signature Credit Card offers benefits on your bookings through MakeMyTrip. You should consider applying for this credit card if you frequently travel and prefer to make bookings through MakeMyTrip. You can get domestic as well as international travel benefits via this credit card. However, the rewards, i.e. ‘My Cash’ earned on this credit card can only be redeemed against your future bookings. Overall, apply for this credit card if your goal is to avail travel benefits.

Joining Fee: Rs. 500
Annual/ Renewal Fee: Rs. 500 (Waived off on spending Rs. 1.5 lakh in a year)
Best Suited For: Shopping & Travel

Emirates Skywards ICICI Rubyx Credit Card is a co-branded credit card that lets you earn Skyward Miles on lifestyle, travel and everyday spends. This credit card is best suited for you if you are an Emirates loyalist as most of the benefits are offered only on Emirates. Below mentioned are some of the major features and benefits of this credit card:

• Up to 1.5 Skywards Miles on every Rs. 100 spent
• 1 domestic lounge access per quarter via Dreamfolks Pass
• 25% discount of up to Rs. 100 on purchase of two movie tickets twice a month on BookMyShow and Inox
• 1% fuel surcharge waiver on fuel transactions across all fuel stations
• Exclusive dining offers via ICICI Bank Culinary Treats Programme

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

Who Should Get This Card?

Emirates Skywards ICICI Rubyx Credit Card is suitable only for Emirates loyalists. This card lets you earn reward points on your purchases which can only be redeemed via the Emirates platform and be used to make bookings from same. Apart from rewards, you can also avail unlimited lounge access, complimentary Emirates membership along with other benefits like buy one get one ticket free, dining discount and more. Overall, this credit card is the right option only if you frequently use Emirates. However, this might not be the right choice if you want to avail multi-dimensional travel benefits.

Joining Fee: Rs. 12,000
Renewal Fee: Rs. 12,000 (Waived off on spending Rs. 15 lakh in a year)
Best Suited For: Lifestyle Benefits

ICICI Bank Emeralde 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:

• BOGO offer on booking movie tickets via BookMyShow
• 4 PAYBACK Points on every Rs. 100 spent on all retail transactions except fuel
• 1 PAYBACK Point on every Rs. 100 spent on utilities and insurance categories
• Complimentary golf lesson/ round every month on spending Rs. 50,000 or more
• Unlimited complimentary domestic airport spa access, through complimentary Dreamfolks membership
• Unlimited complimentary access to international airport lounges, under the Dreamfolks membership Programme
• Unlimited complimentary access to select lounges at airports in India
• Low mark-up fee of 1.5% on international transactions

Suggested: Read Review of ICICI Bank Emeralde Credit Card | Check Eligibility for Similar Cards

Who Should Get This Card?

ICICI Bank Emeralde Credit Card is a super-premium credit card that offers travel as well as lifestyle benefits. This credit card also gives you an option of paying an annual fee of Rs. 12,000 or a monthly fee of Rs. 1,000. The monthly fee is waived off on spending Rs. 1 lakh in a year and the annual fee on spending Rs. 15 lakh, which might seem too high for a few customers. However, the benefits provided by this credit card justify the annual fee. You can avail all the premium benefits like unlimited lounge access, golf sessions, spa sessions, low forex markup fee and more via this credit card. You can apply for this card if you want to avail premium benefits and are ready to pay a high annual fee.

ICICI Bank offers numerous credit cards for varying individual needs. You can apply for any of the ICICI Bank credit cards as per its eligibility and your spending behavior and repayment capacity. The bank offers an ideal choice for every category be it shopping or fuel. However, choosing a right credit card is a tedious task and you might end up making a wrong decision. Therefore, it is important to analyze your limits and read all the terms and conditions before applying for a credit card.