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ICICI Credit Card

Home Credit Card ICICI Credit Card

ICICI Bank is one of the leading credit card providers in India. With multiple card options, it caters to different customer segments and their varying needs. Card users may find options ranging from entry-level to premium cards, with benefits spanning multiple categories like fuel, travel, shopping, dining, etc.

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Among all ICICI Cards, some offer all-round or general benefits across selected categories, while others provide co-branded features with popular brands like Amazon, HPCL, Adani, MakeMyTrip, etc. As per your preferences, spending patterns, and eligibility, you may find the best-suited card for you. Here we have listed some of the best ICICI credit cards with their features and benefits. Read on to compare and apply for the right ICICI credit card.

Best ICICI Credit Cards in Jan 2026

ICICI Coral Credit Card

3_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

25% discount at BookMyShow and Inox, twice a month

Up to 3,000 bonus reward points

Movies

Rewards

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Product Details

2 reward points per Rs. 100 spent and 1 reward point per Rs. 100 spent on utilities & insurance
25% discount, up to Rs. 100 each on BookMyShow and Inox on purchase of minimum 2 movie tickets per transaction, valid twice a month
1 complimentary railway lounge access per quarter, on spending Rs. 5,000 or above in the previous quarter
2,000 bonus reward points on spending Rs. 2 Lakh and additional 1,000 reward points on spending Rs. 1 Lakh
1% fuel surcharge waiver on HPCL petrol pumps

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ICICI HPCL Super Saver Credit Card

3_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Up to 6.5% savings on HPCL fuel spends

5% back on grocery & utilities

Fuel

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Product Details

4% cashback, max. Rs. 200 per month, on HPCL spends & 1% on fuel surcharge
Save additional 1.5% as 6 reward points per Rs. 100 spent on HPCL fuel via the HP Pay app
2 reward points per Rs. 100 spent on other retail purchases, 1 RP = Rs. 0.25
Rs. 100 cashback on recharge via HP Pay app & 2,000 reward points as joining bonus
1 domestic airport lounge access per quarter on spending Rs. 75,000 in the previous quarter

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MakeMyTrip ICICI Bank Credit Card

3.5_/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

Up to 6% savings on MakeMyTrip spends

Rs. 1,000 MMT voucher every year

Travel

Rewards

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Product Details

6% myCash (12 myCash per Rs. 200) on MakeMyTrip hotel bookings
3% myCash (6 myCash per Rs. 200) on flights, holiday packages, cabs & bus bookings via MakeMyTrip
25 myCash on MMT train bookings; 1 myCash = Rs. 1
1% myCash on other spends; Low forex mark-up fee of 0.99%
Buy 1, get 25% off up to Rs. 150 on the 2nd BookMyShow ticket, once a month

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Adani One ICICI Platinum Credit Card

3_/5

Joining fee: ₹750

Annual/Renewal Fee: ₹750

3% Adani reward points on spends across Adani One ecosystem

8 complimentary domestic lounge visits every year

Shopping

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Product Details

25% off on movie tickets at BookMyShow
2 premium lounge upgrades every quarter
2 valet parking & 2 car parking services every year
2 porter services on every Rs. 1 Lakh spent

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ICICI Bank Sapphiro Credit Card

4_/5

Joining fee: ₹6500

Annual/Renewal Fee: ₹3500

Complimentary vouchers worth more than Rs. 9,000 on joining

4x rewards on international spends

Travel

Shopping

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Product Details

2 reward points per Rs. 100 spent domestically; 1 reward point per Rs. 100 spent on utility & insurance
Complimentary golf round/ lesson, up to 4 a month, on every Rs. 50,000 retail spends in the previous month
Buy 1 and get up to Rs. 500 off on the 2nd ticket, twice every month via BookMyShow
4,000 reward points on annual spends of Rs. 4 lakh
2,000 reward points on every Rs. 1 lakh spent in an anniversary year

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ICICI Emeralde Private Metal Credit Card

4_/5

Joining fee: ₹12499

Annual/Renewal Fee: ₹12499

Taj Epicure & EazyDiner Prime memberships

Unlimited airport lounge visits

Travel

Premium

Rewards

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Product Details

Rs. 3,000 EaseMyTrip vouchers on reaching each annual spending milestone of Rs. 4 Lakh and Rs. 8 Lakh
Unlimited golf lessons or rounds every month on creating a Golftripz account
EazyDiner membership, up to 50% off on dining in India & Dubai; 2,000 EazyPoints on joining
Buy 1 ticket and get up to Rs. 750 off on the 2nd ticket on BookMyShow bookings, twice a month
1% fuel surcharge waiver of up to Rs. 1,000 per month on fuel transactions below Rs. 4,000
Low forex markup fee of 2%

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Times Black ICICI Bank Credit Card

4_/5

Joining fee: ₹20000

Annual/Renewal Fee: ₹20000

Unlimited airport lounge access

Luxury lifestyle offers and milestone benefits worth Rs. 70,000

Travel

Premium

Shopping

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Product Details

2.5% rewards on international and 2% on domestic spends; 1 RP = Up to Rs. 1
Low forex markup fee of 1.49%
Activation benefits from EaseMyTrip, Toni&Guy, Interflora, Zomato, etc
Multiple milestone benefits worth up to Rs. 50,000 on annual spends of up to Rs. 20 Lakh

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Note: The credit cards above are arranged by fee, from lowest to highest.

Video: ICICI Times Black Credit Card

New Launch: Times Black ICICI Bank Credit Card Review | Best Premium Credit Card | Times Black Card

Note: Details mentioned in the video have been sourced from the issuer’s website as of December 2024.

Other Popular ICICI Credit Cards in India

ICICI Credit Cards: Features & Benefits

ICICI Bank Credit Card: Fees & Charges

ICICI Bank Credit Card Eligibility and Documentation

How to Apply for ICICI Bank Credit Cards

Quick Links to Manage Your ICICI Credit Card

ICICI Bank Credit Card FAQs

Other Popular ICICI Credit Cards in India

Some of the other popular ICICI credit cards, including entry-level cards, co-branded cards, and corporate credit cards, are listed in the table below.

ICICI Credit Card	Annual Fee	Best Suited For
ICICI Platinum Chip Credit Card	Lifetime free	Beginners
ICICI Bank HPCL Coral Credit Card	Rs. 199	Savings on fuel
ICICI Bank Manchester United Platinum	Rs. 499	Manchester United fans
Chennai Super Kings ICICI Bank Credit Card	Rs. 500	Chennai Super Kings fans
Adani One ICICI Platinum Credit Card	Rs. 750	Premium airport services
ICICI Manchester United Signature Credit Card	Rs. 2,499	Manchester United fans
ICICI Bank Rubyx Credit Card	Rs. 2,000	Savings on travel and shopping
Emirates Skywards ICICI Bank Rubyx	Rs. 1,000	Savings on shopping and travel
Emirates Skywards ICICI Bank Sapphiro	Rs. 5,000	Savings on shopping and travel
Emirates Skywards ICICI Bank Emeralde	Rs. 10,000	Savings on shopping and travel
ICICI Bank Emeralde Credit Card	Rs. 12,000	Premium benefits
ICICI Bank Expression Credit Card	Rs. 499	Reward Points
ICICI Bank Business Advantage Black Card	Rs. 1,500	Cashback

Suggested Read: Best ICICI RuPay Credit Cards | ICICI Bank Credit Cards with Lounge Access

ICICI Credit Cards: Features & Benefits

ICICI Bank Credit Card: Fees & Charges

Credit Card	Amount
Joining Fee / Annual Fee	Varies from card to card
Finance Charges	3.40%-3.75% per month \| 40.80%-45% per annum
Cash Advance Transaction fee	2.50% of the over-limit amount \| Min. Rs. 500
Late Payment Fee	On outstanding balance of – Up to Rs. 100: Nil Rs. 101 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 500 Rs. 1,001 to Rs. 5,000: Rs. 600 Rs. 5,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 900 Rs. 25,001 to Rs. 50,000: Rs. 1,100 Above Rs. 50,000: Rs. 1,300

Click here for the most important terms and conditions related to ICICI Bank Credit Card fees and charges.

Click here for recent updates in ICICI Credit Card terms and conditions.

ICICI Bank Credit Card Eligibility and Documentation

The basic eligibility criteria required for ICICI Bank credit cards are given below:

Criteria	Details
Age	Between 21 to 60 years
Occupation	Offered to both salaried and self-employed applicants
Documents Required	Click here for the list of acceptable documents

ICICI Bank is a credit card partner with Paisabazaar. Click to check eligibility for ICICI Credit Cards.

How to Apply for ICICI Bank Credit Cards

Follows the steps below to apply-

Step 1: Enter your mobile number
Provide your mobile number in the form to start the application process.

Step 2: Verify OTP and check available offers
You can find pre-qualified offers on the screen once you provide the OTP.

Step 3: Select preferred ICICI credit card
Compare available options and select the ICICI Bank credit card that suits your requirements the best.

Step 4: Apply and provide documents
Apply for the card and provide documents for smooth processing of the application.

Quick Links to Manage Your ICICI Credit Card

Already own an ICICI Credit Card? Here is all you need to know to manage your card:

ICICI Credit Card Payment	ICICI Credit Card PIN Generation	ICICI Credit Card Statement
ICICI Credit Card Balance Transfer	ICICI Credit Card Application Status	How to Block ICICI Credit Card
ICICI Credit Card Reward Points	ICICI Credit Card Customer Care	ICICI Credit Card Offers

ICICI Bank Credit Card FAQs

I have applied for a credit card. When will I get it?
Issuing of a new credit card usually takes up to 21 working days. You can track your ICICI credit card application status here.

Can I pay rent with my ICICI Credit Card?
Yes, you can use your ICICI credit card to pay rent. However, with effect from October 20, 2022, all rent payment transactions with ICICI credit card will be charged with 1% fee.

What happens when my credit card is damaged or lost?
In case of a credit card theft, loss or damage, immediately inform the ICICI Bank customer care to get the card hotlisted and blocked. You can also consider SMS banking using your registered mobile number.

Can I keep my credit card if I move to another country?
The credit cards issued by ICICI Bank are global cards only for Resident Indians. Thus, as per RBI guidelines, the customer needs to clear all outstanding dues on the card and surrender it to the card issuer before they give up their Indian citizenship. This procedure is mandatory for Indian citizens who are in the process of becoming citizens of another country.

Is there any lifetime free credit card offered by ICICI bank?
Yes, ICICI Bank lifetime free credit cards like Amazon Pay and Platinum Chip are offered to the users which offer rewards and cashback benefits to the users.

Can I make purchases online using my ICICI Bank Credit Card?
Yes. Your ICICI Bank credit card is enabled with the online purchase option and you can use it to make purchases on the website of all domestic online retailers as well as a few international retailers.

What do I do if my credit card is declined?
This may be possible due to various reasons. ICICI Bank credit card holders are required to call up Customer Care Centre of the ICICI bank in case payment is declined on their credit card.

What happens if I cross my credit limit?
If the customer makes the transaction that exceeds the available credit limit, it totally depends upon the issuer whether to approve the transaction or not. If the transaction is approved an over-limit charge of 2.5% of the amount which exceeds the credit limit is applicable.

When are interest charges applicable on ICICI Credit Card?
The customer has to pay the interest on the total amount due which is not paid on the due date. The interest is charged on the total outstanding amount and also on the fresh transactions made till date as the previous outstanding amount is required to be paid in full. The interest is also levied on the cash advances from the date of the transaction to the due date.

How do I pay my credit card bill?
You can make ICICI Credit Card payments through both online and offline modes. To pay your bill online, you can use facilities like net banking, mobile banking ICICI Bank mobile app, Billdesk and debit card. However, if you want to pay your card bills offline, then you can visit any of the nearest branch and pay via cheque or cash.

What happens if I pay more than the Total Amount Due?
The excess amount paid is reflected in the monthly statement of the customer and is adjusted against the future purchases within your ICICI credit card limit.

Q. Can I apply for an add-on HDFC credit card?

A. Yes, ICICI Bank offers add-on credit cards for the family members of existing cardholders. ICICI add on credit cards share the same credit limit as the primary card and come with similar benefits.

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