ICICI Bank is among the top three issuers of credit cards in India. It offers a wide range of credit cards loaded with numerous benefits like rewards, cashback, air mile earnings, dining, travel and shopping benefits. In order to avail these amazing benefits, an applicant must fulfill ICICI Bank credit card eligibility criteria. The bank has set certain criteria regarding age, occupation, nationality, etc. Income requirement may vary from card to card but the basic requirements remain the same throughout.
| Key Highlights of ICICI Bank Credit Card Eligibility | |
| Minimum Age | 21 years |
| Maximum Age | 60 years |
| Minimum Income Required for Salaried Applicants | Rs. 20,000* per month |
| Minimum Income Required for Self-employed Applicants | Rs. 3 Lakh* per annum |
| Occupation | Salaried/Self-employed |
| Nationality | Resident Indian |
*Income requirement for ICICI credit cards may vary from one card to another and also on the basis of the applicant’s credit profile.
ICICI Bank Credit Card Eligibility Criteria
Nationality: The credit card applicant must be an Indian national citizen.
Age: The applicant’s age at the time of application for ICICI Credit Card should be of at least 23 years. The minimum age for an add-on card holder is 18 years.
Employment: ICICI Banks credit cards can be availed by salaried as well as self-employed professionals.
Income: The applicant must have a minimum monthly salary of ₹ 20,000. For applicants who are self-employed, the minimum annual income must be ₹ 3 lakhs.
Credit History: To hold a credit card, an applicant must have a clean credit record. He/she must have a good CIBIL score and all due payments for credit cards or loans should have a history of on-time payment.
Documents Required for ICICI Bank Credit Card Application
The applicants should also be able to submit valid proof of income, identity and address. The following documents are accepted.
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Proof of Identity |
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| Proof of Address |
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| Proof of Income |
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In addition to this, one Passport sized photograph needs to submitted by the applicant along with a duly filled application form. The bank may ask for more documents for verification.
How to Check ICICI Bank Credit Card Eligibility
Interested candidates can check ICICI Bank credit card eligibility on their official website. They just need to visit the credit card page on their website and select a card. By clicking on the ‘Apply Now’, they will be redirected to the check eligibility page wherein they have to fill out certain details. If found eligible for the selected card, they can proceed with the application. If not, the bank will show other credit cards that they might be eligible for.
Check ICICI Bank Credit Card Eligibility on Paisabazaar.com
Applicants can also check eligibility for ICICI Bank credit cards on Paisabazaar.com. Follow the steps given below:
- Click here to start the search for ICICI credit card.
- Fill out the basic details as required and proceed.
- Filter the results to find ICICI credit cards and select one
- Click on ‘Check Eligibility’ and enter some more details
After this, the user will get to know whether he is eligible for the selected card or not.
FAQ
I am 19 years old. Can I get a credit card from ICICI Bank?
No. The minimum age to apply for ICICI Credit Cards is 21 years. However, you are eligible to be an add-on cardholder on your parent’s primary card.
Is Aadhaar Card accepted by ICICI Bank for address proof?
Yes. Aadhaar is accepted by the bank.
I have just started my own business. Will I be eligible for ICICI Credit Card?
If you are a self-employed individual, the business should be at least 6 months old. However, if you have a business account with ICICI Bank, the terms may be easier for you.
Why does ICICI Bank need my salary slips?
When you apply for a credit card, the issuer needs to verify your income and hence the salary slips are needed, usually for the last 3 months. ICICI Bank may also ask for bank statement or Form 16 depending on the applicant’s profile.
How long does it take for ICICI Bank to issue a new card?
Credit card application processing normally takes 7-10 business days.