ICICI Bank Credit Card Upgrade

Upgrading existing credit card is a facility offered by ICICI Bank only to select ICICI customers. ICICI reserves rights to decide the eligibility of credit cardholders for this facility. ICICI holds sole discretion to offer credit card upgrade to its credit cardholders. In case you have been assigned with credit card upgrade facility by ICICI bank kindly follow the below-given steps:

• Applicants can contact the customer care centre by calling on the number 022 3366 7777
• Users can then follow the instructions of the bank’s representative to upgrade their credit card
• Alternatively, credit cardholders can visit the nearest ICICI Bank branch and ask a bank official to upgrade the credit card

For Further Support: Contact ICICI Bank Customer Care Centre

The benefits of upgrading an ICICI Bank credit card are:

• Users get to Increase their Credit Limit
• Customers can Improve their credit utilization ratio
• Cardholders get more features and benefits
• Users get better deals and discounts
• Customers earn more reward points

Suggested Read: Tips for Lowering Your Credit Utilization Ratio

Upgrading your current credit card is a good choice for credit cardholders who wish to get better features without applying for a new credit card. However, users must keep in mind a few things while applying for a credit card upgrade.

• Upgrading your current credit card refers to extending your credit limit while applying for a new credit card will provide you with an overall increase in your credit limit
• Upgrading will provide extra features and benefits like discounts, deals, gift vouchers etc. So choose an upgraded credit card that offers benefits which the initial credit card did not cover. For example, your previous card did not offer the benefit of air miles and if you are frequent flyer choose for an upgraded credit card that offers benefits like airport lounge access, air miles conversion etc.
• If you have high credit utilization ratio then in this scenario opting for a credit card upgrade will help you in improving your credit card score because of the enhanced credit limit
• Credit card upgrade might come with higher annual fees, interest rates and fees
• Check whether the special deals are offered to existing customers and not just new customers
• ICICI bank holds the rights to offer or discontinue the credit card upgrade offer without any prior intimation

What are the benefits of upgrading the credit card?
Upgrading your current credit card offers various benefits and features like discounts, gift vouchers, airport lounge access, reward points etc.

What is the process of upgrading the ICICI bank credit card?
Usually ICICI Bank offers users to upgrade their credit card. However, users can contact the customer care centre and request for an upgrade.

How do I use my new upgraded credit card?
The use of your new upgraded credit card will be similar to your previous credit card. The only noticeable difference will be that your new upgraded credit card will offer more offers and discounts.

What will happen to my reward points?
The reward points earned and accumulated on your previous credit card shall be carried forward to your new upgraded ICICI Bank’s credit card.

How to check the status of my upgraded credit card?
To check the status of upgraded credit card you can call on the ICICI bank’s helpline number at 022-3366-7777.