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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/04/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/04/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 21/04/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/04/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 21/04/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :21/04/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :21/04/2021

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Updated: 21-04-2021 10:25:31 AM

ICICI Bank is among the top credit card issuers in India and offers a range of cards suiting the varying individual needs. Using ICICI Credit Cards, you can get benefits on fuel, travel, shopping, dining, entertainment and more. With so many options available, it can be confusing to find the best ICICI credit card for you. To help you find the right credit card, here we have listed the most popular ICICI credit cards and who it is suited for. Consider reading the card details and our review before applying.

Paisabazaar Voucher

Best ICICI Credit Cards in India for 2021

Name of ICICI Credit CardAnnual FeeBest Suited ForMinimum Income Requirement*Interested?
ICICI Bank Coral Contactless CardRs.500Reward PointsRs. 20,000 p.m.Apply Now
ICICI Platinum Chip Card – VisaNilShoppingRs. 15,001 p.m.Apply Now
Manchester United Platinum Credit CardRs.499ShoppingRs. 1.8 lakh p.a.Apply Now
Manchester United Signature Credit CardRs.2,499ShoppingRs. 4.2 lakh p.a.Apply Now
MakeMyTrip ICICI Bank Platinum Credit CardNilTravelRs. 1.8 lakh p.a.Apply Now
MakeMyTrip ICICI Bank Signature Credit CardNilTravelRs. 4.2 lakh p.a.Apply Now
ICICI Bank Rubyx Credit CardRs.2,000TravelRs. 6 lakh p.a.Apply Now
ICICI Bank Sapphiro Credit CardRs.3,500TravelRs. 9.6 lakh p.a.Apply Now
ICICI Bank Diamant Credit CardRs.10,000PremiumCheck with bank**Explore Alternate Options
ICICI Bank Emeralde Credit CardRs.12,000LifestyleCheck with bank** Explore Alternate Options
ICICI Bank HPCL Credit CardsRs.199FuelCheck with bank** Explore Alternate Options
Intermiles ICICI Bank Sapphiro Credit CardsRs. 5,000TravelCheck with bank** Explore Alternate Options
ICICI Bank Amazon Pay Credit CardNilShoppingCheck with bank** Explore Alternate Options
ICICI Bank Visa Signature Credit CardRs. 2,000PremiumCheck with bank** Explore Alternate Options

* The minimum income mentioned is for salaried applicants. The requirement may vary for self-employed individuals.
** Income eligibility for these cards is shared by the bank at the time of application. Please contact bank officials for the same.

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Types of ICICI Credit Cards

ICICI Bank offers a diverse range of credit cards and it may be difficult to choose one. To simplify the selection, we have divided ICICI Credit Cards into 6 categories depending upon the benefits that they provide.

ICICI Credit Card Categories


Travel Credit Cards

Lifestyle Credit Cards

Fuel Credit Card

Rewards Credit Cards

Shopping Credit Cards

Premium Credit Cards

Travel Credit Cards from ICICI Bank

ICICI Bank offers some credit cards that are especially beneficial for frequent travellers. You can earn reward points/air miles, get free lounge access, travel discounts and more. Details of top ICICI Bank travel & fuel cards are given below.

MakeMyTrip ICICI Bank Platinum Credit Card

MakeMyTrip ICICI Bank Platinum Credit Card

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Welcome Benefit – Free MMTBLACK Membership and Lemon Tree Hotel voucher worth Rs. 2,000.

Lounge Benefits – Free domestic airport and railway lounge access.

Movies Offer – Buy 1 Get 1 Free offer on BookMyShow and INOX offer. Up to Rs. 250 off on 2nd ticket.

Dining Discounts – Up to 20% off on select restaurants.

Fuel Surcharge Waiver – Waiver on fuel spends of up to Rs. 4,000 at HPCL pumps.

Who should get this card?

MakeMyTrip ICICI Bank Platinum Credit Card is an entry-level travel credit card best suited for you if:

  • You use MakeMytrip to make travel arrangements
  • You mostly travel domestically
  • You frequently watch movies at theatres

If you wish to compare a few other credit cards in this category, refer to the table below.

Similar Travel Credit Cards

IRCTC SBI Platinum Credit CardHDFC Bharat Credit Card
Up to 10% value back on IRCTC website

Read more about this card

5% Cashback on IRCTC rail ticket booking, fuel, groceries, bill payment, mobile recharges, payments made through PayZapp

Read more about this card

MakeMyTrip ICICI Bank Signature Credit Card

MakeMyTrip ICICI Bank Signature Credit Card

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Card Details

Welcome Gift – Rs. 1,500 My cash, MMTDOUBLEBLACK and MMTBLACK enrolment. Lemon Tree Hotel voucher worth Rs. 2,500 is offered.

DragonPass Benefit – Free membership along with 1 international airport lounge visit and 1 spa session at select airports in India.

Railway Lounge Access – 1 free Indian railways lounge access per quarter.

Movie Benefits – 25% off, up to Rs. 150, on purchase of 2 tickets from BookMyShow/Inox. Offer can be availed twice a month from BMS/INOX individually.

Dining Discounts – Minimum 15% off on dining bills at select restaurants.

Fuel Surcharge Waiver – 1% waiver on fuel transactions up to Rs. 4,000 at HPCL pumps.

Who should get this card?

You should consider applying for MakeMyTrip ICICI Bank Signature Credit Card if:

  • You use MakeMytrip to make travel arrangements
  • You travel frequently
  • You watch movies at INOX theatres or use BookMyShow to book tickets
  • You wish to get a zero annual fee credit card

If you wish to compare a few other credit cards in this category, refer to the table below.

Similar Travel Credit Cards
Axis Bank Vistara Credit CardKotak Royale Signature Credit Card

Vistara economy class ticket and enrolment in the Club Vistara Membership Program

Read more about this card

4X Rewards on Travel and Tour Agencies, Package Tour Operators, Hotels, Airlines and Air Carriers, Restaurants and International Spends

Read more about this card

ICICI Bank Rubyx Credit Card

ICICI Bank Rubyx Credit Card

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Welcome Gift – Shopping and travel vouchers worth over Rs. 5,000.

Renewal Benefit – 15,000 PAYBACK points.

Golf Privileges – 2 free golf rounds/lesson p.m. upon spending Rs. 50,000 in the previous month.

Lounge Benefits – 2 free domestic airport lounge accesses in the next quarter after spending Rs. 5,000 in the present quarter.

Movie Benefits – 25% off, up to Rs. 150, on purchase of 2 tickets from BookMyShow/INOX. Offer can be availed twice a month from BMS/INOX individually.

Insurance Coverage – Comprehensive insurance coverage which provides personal air accident cover of Rs. 1 crore, credit shield of Rs. 50,000 and so on.

Who should get this card?

The benefits offered by ICICI Bank Rubyx Credit Card are not limited to travel. You can consider applying for this card if:

  • Want to earn PAYBACK points
  • You travel frequently
  • You frequently go to the movies and book tickets online
  • You require airport lounge access

Other travel credit cards that offer travel benefits are:

Similar Travel Credit Cards
6E Rewards Indigo HDFC Bank Credit CardEtihad Guest SBI Card
6E Prime voucher and an  Indigo ticket voucher worth Rs. 1,500*

Read more about this card

5,000 Etihad Guest miles on spending Rs. 5 lakh

Read more about this card

ICICI Bank Sapphiro Credit Card

ICICI Bank Sapphiro Credit Card

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Card Details

Renewal Benefit – 20,000 PAYBACK points.

Welcome Gift – Shopping & travel vouchers worth over Rs.10,000.

Golf Benefit – 4 free golf rounds per month upon spending Rs. 50,000 in the previous month.

Lounge Benefits – Get the following lounge privileges:

  • 2 free international airport lounge visits per calendar year
  • 2 free domestic airport spa visits per calendar year
  • Membership to Dreamfolks DragonPass Lounge Access Programme
  • 4 free domestic airport lounge visits per quarter upon spending Rs. 5,000 in the previous quarter

Movie Benefits – Buy 1 Get 1 Free ticket, up to Rs. 500 off on 2nd ticket, via BookMyShow. Offer can be availed twice a month.

Dining Discounts – Minimum 15% off on dining bill at participating restaurants.

Who should get this card?

Consider applying for the ICICI Bank Sapphiro Credit Card if:

  • You can easily spend Rs. 6 lakh in a year (to get annual fee waiver)
  • You frequently play golf
  • You travel frequently and use airport lounges
  • You want to earn Reward (PAYBACK) Points as well

If the ICICI Bank Sapphiro Credit Card is not to your liking, you may consider these credit cards:

Similar Travel Credit Cards
Axis Vistara Signature Credit CardStandard Chartered Emirates World Credit Card

Up to 6 Free Premium Economy tickets as spend milestone benefit

Read more about this card

Up to 6 skyward miles can be earned per Rs. 150 spent

Read more about this card

Intermiles ICICI Bank Sapphiro Credit Card

Intermiles ICICI Bank Sapphiro Credit Card

This card is not available on Paisabazaar’s Platform. To apply for this card, kindly contact the bank officials.

More about this card
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Card Details

Welcome Benefits – 10,000 InterMiles along with discount code worth Rs. 750.

Renewal Benefits – 5,000 InterMiles along with a discount code worth Rs. 500.

DragonPass Membership – Free membership along with 2 free visits and 2 free spa visits every year.

InterMiles Plan – Up to 10 InterMiles per Rs. 100 spent.

Flight Discount – Up to 10% off on tickets booked via Etihad Airways.

Movie Benefits – Buy 1 Get 1 Free ticket, up to Rs. 500 off on 2nd ticket, from BookMyShow. Offer available twice a month.

Fuel Surcharge Waiver – 1% waiver on fuel surcharge at select fuel stations.

Dining Benefits – Minimum 15% off on dining at select restaurants via ICICI Bank Culinary Treats programme.

Who should get this card?

Intermiles ICICI Bank Sapphiro Credit Card lets you earn airmiles on your expenditure. Besides this, it also offers benefits across other categories. You should consider applying for the card if:

  • You want to earn airmiles on spends
  • You frequently travel and require airport lounge access
  • You frequently fly with Etihad Airways

If the Intermiles ICICI Bank Sapphiro Credit Card does not suit your needs, then you can consider these alternatives:

Similar Travel Credit Cards
HDFC Diners Club Black Credit CardSBI Card ELITE

Free membership to Club Marriott, Amazon Prime, Times Prime and MakeMyTrip, etc.

Read more about this card

Free membership to Priority Pass Program, Club Vistara Silver Program and Trident Privilege Red Tier

Read more about this card

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Rewards Credit Cards from ICICI Bank

Rewards credit cards provide reward points on all eligible spends along with extra rewards across select categories. These points can be accumulated and later redeemed against vouchers, airmiles, merchandise and so on. You can find the best ICICI rewards credit cards and their benefits below.

ICICI Bank Coral Contactless Card

ICICI Bank Coral Contactless Card

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Milestone Benefit – Up to 10,000 bonus PAYBACK Points every year

PAYBACK Points – 2 PAYBACK points per Rs. 100 spent

Movie Benefits – Buy 1 Get 1 Free movie ticket. Max. Rs. 250 off on 2nd ticket. Offer available twice a month via BookMyShow.

Dining Discounts – At least 15% off on dining bills at partner restaurants.

Convenience Fee Waiver – 1% waiver on fuel transactions that are less than Rs. 4,000 at HPCL pumps.

Who should get this card?

ICICI Bank Coral Contactless Credit Card is a great option for those new to credit. You can consider applying for this card if:

  • You are looking for a basic credit card
  • You can easily spend over annual spend over Rs. 1.5 lakh in a year
  • You go to the movies at least once a month

You may consider the below-given alternatives if the ICICI Coral contactless credit card does not meet your needs.

Similar Rewards Credit Cards
HSBC Smart Value Credit CardCitibank Rewards Credit Card

3X rewards on online, dining and telecom categories

Read more about this card

10X rewards on apparel and departmental store spends

Read more about this card

Shopping Credit Cards by ICICI Bank

Shopping Credit Cards offer discounts, bonus reward points, cashback or other benefits to frequent shoppers. You can find top ICICI bank shopping cards below.

ICICI Bank Amazon Pay Credit Card

ICICI Bank Amazon Pay Credit Card

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Shopping Benefits – Avail the following Shopping Benefits:

Shopping Benefits at Amazon
Prime Members5% cashback
Non-Prime Members3% cashback
Shopping Benefits besides Amazon
Amazon Pay Partners2% cash back
Other Categories1% cash back

Dining Offers – Minimum 15% off at partner restaurants.

Fuel Surcharge Waiver – 1% waiver on all fuel pumps in India

Who should get this card?

Amazon Pay ICICI Bank Credit Card is designed to reward loyal Amazon customers. We suggest you get this credit card if:

  • You want to earn cashback on all your spends
  • You mostly shop at Amazon
  • You are an Amazon Prime member
  • You want a credit card that does not charge an annual fee
  • You want to be able to convert big ticket purchases into No-cost EMIs

You can also consider the below-given alternatives.

Similar Shopping Credit Cards
Flipkart Axis Bank Credit CardSnapdeal HDFC Bank Credit Card
5% cashback on Flipkart, Myntra, and 2GUD

Read more about this card

20 reward points per Rs. 100 spent on Snapdeal

Read more about this card

Manchester United Signature Credit Card

Manchester United Signature Credit Card

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Welcome Gift – Official Manchester United holdall and football.

Rewards – Up to 5 PAYBACK points per Rs. 100 spent.

Dining Discounts – 15% off on dining bills at select restaurants.

Fuel Surcharge Waiver – 1% waiver on spends less than Rs. 4,000 at HCPL fuel pumps.

Lounge Access – 2 free airport lounge accesses per quarter upon Spending Rs. 5,000 in the previous quarter.

Movie Benefits – 25% discount, up to Rs. 150 on purchasing at least 2 tickets per transaction. Avail the offer twice a month via BookMyShow and Inox each.

Manchester United Benefits – Get the following benefits:

  • 10% discount on merchandise bought from Manchester United online store (United Direct)
  • 10% discount on merchandise bought from Manchester United megastore located at the stadium
  • 10% discount at Red Café situated in Old Trafford, Manchester
  • 20% discount on advance bookings to the Manchester United Museum and Tour

Top Spender benefits – If you spend the most via Manchester United Signature Credit Cards then you can get:

  • To see a Manchester United Premier League match at their home stadium in Old Trafford, England
  • A private tour of the Manchester United Stadium and Museum
  • To see a part of the first team squad training session
  • Top 70 spenders will get a Manchester United branded shirt. Offer available every month
  • To visit the Manchester United Megastore at the stadium
  • Topmost spender will get a signed Manchester United Jersey and match ticket every. Winner will be declared every month
Who should get this card?

Manchester United Signature Credit Card is aimed towards Manchester United Football Club fans. You should consider getting this card if:

  • You want a credit card that represents your loyalty to Manchester United Football Club
  • You frequently shop on Manchester United Online or retail store
  • You frequently travel and require lounge access

Not satisfied by the benefits provided by Manchester United Signature Credit Card? Consider the below given options.

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Standard Chartered Manhattan Platinum Credit CardSBI StyleUP Contactless Credit Card
5% cashback when shopping at Supermarkets and 3 reward points per Rs. 150 for all other spends

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Manchester United Platinum Credit Card

Manchester United Platinum Credit Card

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Welcome Benefit – Manchester United Branded Football.

Reward Points – Up to 3 PAYBACK points on every Rs. 100 spent on all purchases except fuel.

Access to Airport Lounge – 1 complimentary domestic airport lounge access per quarter.

Dining Discounts – Minimum 15% saving on dining bills at over 2,500 participating restaurants.

Lounge Access – 1 free airport lounge accesses per quarter upon Spending Rs. 5,000 in the previous quarter.

Manchester United Benefits – Get the following benefits:

  • 20% discount on advance bookings to the Manchester United Museum and Tour
  • 10% discount on merchandise bought from United Direct, the Manchester United online store
  • 10% discount on merchandise bought from Manchester United megastore located at the stadium
  • 10% discount at Red Café situated in Old Trafford, Manchester

Top Spender benefits – If you spend the most via Manchester United Signature Credit Cards then you can get:

  • To see a Manchester United Premier League match at their home stadium in Old Trafford, England
  • A private tour of the Manchester United Stadium and Museum
  • To see a part of the first team squad training session
  • Top 100 spenders every month will get a Manchester United branded shirt
  • Topmost spender will get a signed Manchester United Jersey and match ticket every month
Who should get this card?

Manchester United Platinum Credit Card is designed for Manchester United Football Club fans. You may apply for this card if:

  • You want a credit card that represents your loyalty to Manchester United Football Club
  • You believe you can be the top spender on the card
  • You require lounge access
  • You want to earn PAYBACK Points

Other Shopping credit cards for your consideration are:

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HDFC MoneyBack Credit CardSimplyCLICK SBI Card
2x Rewards on Online Shopping

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ICICI Platinum Chip Credit Card – Visa

ICICI Platinum Chip Credit Card-Visa

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Reward Points – Earn PAYBACK points in the following manner:

  • 1 PAYBACK Point per Rs. 100 spent on utilities and insurance
  • 2 PAYBACK Points are earned per Rs. 100 Spent on retail

Dining Discounts – Minimum 15% discount at partner restaurants.

Fuel Surcharge Waiver – 1% fuel surcharge waiver on transactions less than Rs. 4,000 at HPCL pumps.

Who should get this card?

ICICI Platinum Chip Credit Card – Visa credit card is a basic credit card that is offered free of cost on our portal. You can consider applying for this card if:

  • You are looking for a basic credit card
  • You want a zero annual fee credit card
  • You purchase fuel from HPCL Petrol Pumps

You can consider below given credit cards if you are not satisfied with Platinum Chip credit card.

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SBI SimplySAVE Credit CardSimplyCLICK SBI Card
10X reward points on Dining, Movies, Departmental Stores and Grocery Spends

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10X reward points on online spends

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Lifestyle Credit Cards from ICICI Bank

Credit cards that offer benefits across a range of categories like gyms, healthcare, wellness, exclusive programs and so on are considered lifestyle credit cards. You can get discounts, bonus reward points/cashback and much more. The details of the top ICICI Bank Lifestyle Credit Card is given below.

ICICI Bank Emeralde Credit Card

ICICI Bank Emeralde Credit Card

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Movie Offers – Buy 1 Get 1 free movie ticket via BookMyShow, Max. discount of Rs. 750 on 2nd  ticket. Offer can be availed up to 4 times per month.

Free Golf Lessons – Get a free golf round/lesson at select courses every time cardholder spends Rs. 50,000. Offer can be availed up to four times in a month

Fee & Charges Benefits – Avail the following benefits:

  • Foreign exchange mark-up fee – 1.5%
  • The interest rate on cash withdrawals – 1.99%
  • No over-limit fee, cash withdrawal fee or late payment charges

PAYBACK Points – Up to 4 PAYBACK points per Rs. 100 spent on retail transactions.

Airport Lounge Access – Get the following benefits:

  • Unlimited free domestic airport spa access via Dreamfolks DragonPass program
  • Unlimited domestic and international airport lounge access via Dragon Pass Program and American Express Lounge Program / Mastercard Lounge Program

Concierge Services – Use the concierge service to make reservations, gift deliveries, avail medical services and more.

No Cancellation Charges – Refunds up to Rs. 12,000 for 2 bookings (flight, hotel or movie) cancellation is guaranteed every year.

Fuel Surcharge Waiver – Waiver on fuel surcharge at fuel stations.

Dining Offers – 15% off on dining bills via ICICI Bank Culinary Treats program.

Insurance Benefits – Avail Personal Air Accident Insurance of Rs. 3 crore, credit shield of Rs. 50,000.

Who should get this card?

ICICI Bank Emeralde credit card offers lots of premium features and benefits making it a great lifestyle credit card. However, all these benefits come at a price. You should consider applying for the card only if:

  • You can pay the annual fee of Rs. 12,000 in the event you don’t meet the waiver condition of Rs. 15 lakh
  • You are an Existing ICICI Bank Global Private Client
  • Your monthly income is over Rs. 3 lakh
  • You travel a lot and require lounge access

If you are not satisfied by ICICI Emeralde Credit Card, then consider these options.

Similar Lifestyle Credit Cards
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Membership of Zomato Gold, Amazon Prime, MakeMyTrip Double Black, Times Prime, etc.

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Club Vistara Silver membership and Trident Privilege Red Tier membership

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Fuel Credit Cards by ICICI Bank

ICICI Bank also offers a fuel credit card in association with Hindustan Petroleum. The credit card offers many fuel related benefits besides fuel surcharge waiver.

ICICI Bank HPCL Credit Cards

ICICI Bank HPCL Credit Cards

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Reward Points – 2 PAYBACK points per Rs.100 spent on retail purchases

Fuel Redemption Offer – Redeem 2,000 PAYBACK points for fuel worth Rs. 500.

Cashback Offers – 2.5% cashback at fuel purchases from HPCL pumps.

Movie Offers – Rs. 100 off on up to 2 movie tickets per month from BookMyShow.

Dining Offers – 15% off on dining at select restaurants.

Who should get this card?

This fuel credit card by ICICI Bank is in association with Hindustan Petroleum. You may apply for the credit card if:

  • Your major spends are on fuel
  • You prefer Hindustan Petroleum for your refuelling needs
  • You want a low annual fee credit card

However, you can explore other fuel credit cards, two such examples are:

SIMILAR FUEL CREDIT CARDS
BPCL SBI CardStandard Chartered Super Value Titanium Credit Card
13x reward points equivalent to 3.25% value back on fuel
Read more about this card		5% cashback on fuel spends across all fuel stations up to Rs. 200 per month
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Premium Credit Cards from ICICI Bank

ICICI Bank offers a few premium cards that charge a high joining/annual fee but provide premium benefits. The details of the premium credit cards are given below.

ICICI Bank Diamant Credit Card

ICICI Bank Diamant Credit Card

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Welcome Gift – MacBook Air MMGG2HN/A.

Charter Facility – Rent out private islands, jets, yachts.

Taj Membership – Free membership of Epicure Plus & InnerCircle Gold.

Club ITC Culinaire Membership – Free Membership to ITC Culinare which offers savings, personalised check-in and so on.

Lounge Access – Unlimited overseas airport lounge accesses & domestic spa visits for cardholder and accompanying guests.

Free Movie Ticket – Buy 1 Get 1 Free Movie ticket via BookMyShow. Get up to 4 free tickets per month.

Insurance Coverage – Comprehensive insurance coverage which includes personal air accident cover of Rs. 3 crore, credit shield of Rs. 50,000 and much more.

Emergency Auto Services – Get towing, repair and other automobile related assistance in New Delhi, Mumbai, Kolkata, Hyderabad, Bengaluru and Chennai.

Medical Benefits – Avail emergency medical transportation in case of a medical crisis.

Golf Benefits – Unlimited golf rounds at select golf courses in India.

Who should get this card?

ICICI Bank Diamant Credit Card is a super-premium credit card. The bank sends out invitation to select customers to apply for this card. Consider accepting the invitation if:

  • You can easily pay the joining fee of Rs. 1.25 lakh
  • You can easily spend Rs. 25 lakh in a year to get annual fee waiver
  • You frequently travel overseas
  • You take private jets, yachts or islands on rent

You can consider the below-given alternatives if you are not satisfied with this credit card:

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ICICI Bank Visa Signature Credit Card

ICICI Bank Visa Signature Credit Card

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Welcome Benefits – 30,000 hand-picked rewards.

Golf Offers – Free golf rounds on spending over Rs. 1.00 lakh in a month.

Lounge Access – Complimentary Priority Pass membership

Rewards Points – 10 handpicked rewards per Rs. 100 spent.

Fuel Surcharge Waiver – Waiver on all fuel stations across the country.

Concierge Service – Use the facility to make hotel bookings, reservations at restaurants and also have gifts delivered to loved ones.

Who should get this card

ICICI Bank Visa Signature Credit Card is a premium credit card. The card offers many privileges like golf, concierge and so on. Consider accepting the invitation if:

  • You can easily pay the joining fee of Rs. 25,000
  • You can spend Rs. 1 lakh in a month (to avail free golf game)
  • You require concierge services

You can consider the below-given alternatives if you are not satisfied with this credit card:

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Standard Chartered Priority Visa Infinite Credit CardAxis Bank Burgundy Private Credit Card
Priority Pass membership & 4 free domestic lounge visits

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Unlimited lounge access at international & domestic airports

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Did Not Find What you were looking for?

If you did not like the credit cards listed above then you may explore Credit Cards form other providers:

Explore SBI Card
HDFC Regalia Credit Card
Explore HDFC Cards
HSBC Visa Platinum
Explore HSBC Cards
Other ICICI Bank Credit Cards
Other ICICI Bank Credit Cards

The above mentioned cards are amongst the most requested ICICI bank credit cards. Besides this, you can also apply for any one of the below given credit cards from ICICI Bank’s website or branch.

ICICI Bank Expressions Credit Card

Annual Fee – Rs. 499
Best Suited For – Personalised Credit Card

Reward Points – Up to 3 PAYBACK Points per Rs. 100 spent.

Movie Offer – Rs. 100 discount on purchasing 2 movie ticket per month through BookMyShow

Dining Offers – 15% discount on dining bills at partner restaurants

Fuel Surcharge Waiver – Save on 1% fuel surcharge waiver. Valid on fuel transaction up to Rs. 4,000

Annual Fee Reversal – Annual fee waived on spending Rs. 1.50 lakh

Lounge Access – 1 free lounge visit per quarter

On this Page
ICICI Bank Credit Card Fees & Charges
ICICI Bank Credit Card Rewards Programme
ICICI Bank Credit Card Eligibility and Documentation
How to Apply for ICICI Bank Credit Cards
ICICI Bank Credit Card Customer Care
ICICI Bank Credit Card FAQs
News about ICICI Bank Credit Cards

ICICI Bank Credit Card Fees & Charges

Credit CardAmount
Joining FeeVaries from Card to Card
Annual FeeVaries from Card to Card
Redemption ChargesRs. 99 – Hand-picked Rewards Scheme | ICICI Bank Rewards Scheme | PAYBACK’s Catalogue Based Redemptions
Rs. 25 – Online and in-store re-demptions at PAYBACK Online Partner Brands
Free Credit Period18 to 48 days
Cash Advance Fee2.50% of the amount / Min. Rs. 300
Overlimit Charges2.50% of the over-limit amount/Min. Rs. 500
Late Payment FeeNil for amount less than Rs. 100
Rs. 100 for amount between Rs. 100 and Rs. 500
Rs. 500 for total amount due greater than Rs. 501 and up to Rs. 10,000
Rs. 750 for total amount due greater than Rs. 10,000
Surcharges1% /Min. Rs. 10 on fuel transaction
1.80% of the transaction value for Internet railway bookings and 2.50% for other railway bookings
Foreign Transaction Fee3.50% of the amount
Finance ChargeUp to 42% p.a.

Note: Banks reserve the right to change the fees & charges without prior communication.

ICICI Bank Credit Card Rewards Programme

ICICI Bank credit cards reward all eligible spends mostly in the form of PAYBACK Points. The PAYBACK point earn rate for ICICI credit cards are given below.

Credit CardReward PointsAccelerated Rewards
ICICI Bank Coral Contactless Card2 PAYBACK per Rs. 100 spentN/A
ICICI Platinum Chip Card – Visa2 PAYBACK per Rs. 100 spentN/A
Ferrari Platinum Credit Card2 PAYBACK per Rs. 100 spentN/A
ICICI Bank Sapphiro Mastercard Credit Card2 PAYBACK per Rs.100 spent domestically4 PAYBACK per Rs.100 spent internationally
ICICI Bank Sapphiro Platinum American Express® Credit Card3 PAYBACK per Rs.100 spent domestically6 PAYBACK per Rs.100 spent internationally
ICICI Bank Rubyx Mastercard Credit Card2 PAYBACK per Rs.100 spent domestically4 PAYBACK per Rs.100 spent internationally
ICICI Bank Rubyx Platinum American Express® Credit Card3 PAYBACK per Rs.100 spent domestically6 PAYBACK per Rs.100 spent internationally
ICICI Bank Unifare Mumbai Metro Credit Card2 PAYBACK per Rs. 100 spent4 PAYBACK per Rs.100 spent on Auto Recharge
ICICI Bank Expressions Credit Card3 PAYBACK per Rs. 100 spentN/A
ICICI Bank Carbon2 PAYBACK per Rs. 100 spentN/A

Besides PAYBACK Points, some ICICI Bank credit cards reward in the form of Hand-picked rewards. The points can be earned every time you use the card. There is no limit on a number of rewards you can earn and they never expire.

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ICICI Bank Credit Card Eligibility and Documentation

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

CriteriaDetails
OccupationOffered to both Salaried and Self-employed Applicants
Serviceable CitiesClick here for the list of eligible cities
Documents RequiredClick here for the list of acceptable documents
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How to Apply for ICICI Bank Credit Cards

After checking which ICICI credit card is best as per your requirement, you can apply for the credit card on our website. Here, you can easily check the eligibility for different ICICI Bank credit cards, compare their features and benefits with other cards and apply online directly. The application process is very easy and hassle-free. Follow these steps to apply for ICICI Credit Cards-

Step 1- Click here to start your application.
Step 2- Enter the details as asked and proceed to the list of credit cards.
Step 3- Filter the results to find the right ICICI Credit Card and check your eligibility for the same by entering some more information.
Step 4- If you are eligible, you can apply online by filling the detailed application form.

Once you have submitted a complete application form, field personnel of the bank will come to collect the documents at your doorstep.

Please note that some cards may not be available on Paisabazaar’s platform. If there is a particular card you are looking for and is not mentioned on the list, you can apply for the same by visiting the nearest bank branch or by applying on the bank’s website

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ICICI Bank Credit Card Customer Care

ICICI Bank Credit Card customers can contact ICICI credit card customer care for any unresolved query through call, email and SMS. Here are the details:

ICICI credit card customer care toll free number: For any queries or grievances related to your ICICI Credit Card, you can call on toll free number 1800 200 3344 between 9 p.m. to 6 p.m. from Monday to Friday. For 24*7 help, customers can contact on state wise ICICI credit card customer care numbers.

ICICI Bank credit card customer care Email ID: ICICI credit card holders can submit their grievances by filling up the complaint form by mentioning their registered email ID.

Other ways to Reach ICICI Customer Care

ICICI Bank Credit Card FAQs

I have applied for a credit card. When will I get it?
Issuing of a new credit card will take up to 21 working days.

What happens when my credit card is damaged or lost?
The first thing to do is to let the card issuer i.e. ICICI Bank know of the loss of the card by calling on their customer care number. Once they are informed about the loss of card, the bank will automatically hotlist the card and block it before initiating the process of issuing a new credit card. This same action can be performed through SMS as well if you are using your mobile phone which is registered with ICICI Bank.

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.

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.

How do I protect my credit card against fraud or theft?
Following are the best practices to protect your credit card against fraud or theft-

  • Immediately sign the ICICI credit card as you receive it.
  • Do not leave the receipt behind when using your credit card at an ATM.
  • Do not share the credit card statement, receipts or carbons with anyone. Shred them before throwing away.
  • Do not fall for fake offers that require you to disclose important details of your credit card.
  • Remember to take your credit card back after making any purchases.
  • Always keep a list of ICICI Bank credit card customer care number, if in future the card is lost or stolen.
  • Always check the monthly statement sent to you to make sure that all the charges shown are correct and no unauthorized amount has been charged to your card.

How do I update my mobile number or email address?
The customer can do so through branch banking i.e. the customer needs to visit the nearest ICICI Bank branch to update his mobile number or email address. If you use the net banking facility of ICICI Bank, you can initiate the update by logging into it.

How is the interest charged on credit cards?
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.

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 ICICI bank whether to approve the transaction or not. If the transaction is approved and over-limit charge of 2.5% of the amount which exceeds the credit limit is taken.

What is a temporary credit-limit enhancement?
If at a point the customer feels the need for increasing his credit limit to enable himself to make increased purchases, he can avail of temporary credit limit enhancement, he is required to call the customer care centre of the bank and make his request. ICICI bank may or may not increase the credit limit. This facility is only available after the nine months of membership and the credit history of the customer.

What is a self-set limit on an add-on card?
The customer can pre-set the monthly spending limit on his add-on credit card. Any transactions over and above the set limit are declined.

What is the revolving credit facility?
When the customer receives his monthly bill statement he has the flexibility of payment options: he can either pay the total amount due, or pay only the minimum amount due or he can also pay any amount between the ‘minimum amount due’ to the ‘total amount due’. So if he opts for either of the last two options, then the unpaid amount due is carried forward to the next billing cycle. This is known as the revolving credit facility.

When do I start paying interest on new purchases if I am already revolving credit?
If the customer is on revolving credit, then the fresh purchases would attract interest from the date of purchase made.

When will the interest charge stop?
If the entire outstanding amount is paid by the customer on time the interest charges will immediately stop.

How are interest rates calculated on an ICICI Bank credit card?
Interest charges are only levied if the cardholder selects the part payment facility known as revolving credit. This facility is interest based. The interest accrues on the daily outstanding balance. The fresh purchase attracts interest from the respective transaction date.

How do I pay my credit card bill?
The customer can drop the payment cheques in the drop box facility available at the ICICI BANK branches and ATM. Cash payments can be made at the ICICI BANK branches during the working hours. ICICI BANK account holders can also opt for auto-debit facility. Account holders can also make their payments through internet banking or through customer care centre.

If the cardholder is not an account holder of the ICICI BANK he can still pay from his existing account via pay options through internet banking.

What is the auto-debit facility?
The account holder gives the standing instructions to the bank to auto-debit ICICI bank accounts to pay his credit card bills directly through his account every month. The customer is required to give in writing to the bank to provide him with this facility.

What happens if my cheque gets delayed in the post beyond the payment due date?
If the bank does not receive the payment on time the bank will charge a late fine and also the interest on the outstanding amount for the number of days the payment was delayed.

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 made by him.

What is the credit period?
The credit period for all the cards is maximum up to 48 days whereas payment due date stands at 18 days from the statement date.

What happens in the case of a disputed card transaction?
In case of any dispute the customer is required to download the Card Member Dispute Form {CDF}, fill the form and post it to the address as indicated on the form, the bank at its earliest will get back to the customer and confirm the status of the transaction.

What is the process to generate one-time password (OTP) in IVR/mobile transactions on cards?
The customer can generate OTP’s using the three available methods:

  • Through SMS i.e by sending a SMS IOTP last four digit of the card to 5676766 from the registered mobile number and he will receive the IOTP on the registered number.
  • He can also log on to the 3D secure section of ICICI bank.
  • He can also get Real time OTP generation.
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News about ICICI Bank Credit Cards

ICICI Bank in association with Goibibo launches a multi-currency credit card
13th May 2019
ICICI Bank has launched a multi-currency credit card in association with Goibibo travel portal. The card allows user to instantly transfer money from one currency to another. Users can use up to 15 currencies simultaneously with this card. Along with welcome benefits of up to Rs. 20,000 users also get 15% discount at over 100 restaurants across 6 foreign cities. Cardholders also get insurance between Rs. 2 lakh and Rs. 10 lakh.
ICICI Bank Credit Card
(4.3/5 ) 2958 Reviews
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Aug 1, 2019
5/5
Higher value items

It is now so easy for me to convert the higher value items to EMIs with my ICICI card.

Aug 1, 2019
5/5
I totally recommend

I totally recommend this credit card to everyone. It has a host of benefits.

Aug 1, 2019
4/5
ICICI Rubyx card

I just love the ICICI Rubyx card. It brings me an amazing variety of benefits.

Aug 1, 2019
5/5
I am so happy

I am so happy that I found out about this card. It is great!

Aug 1, 2019
5/5
No surcharge cost

I am glad that no surcharge cost was levied on fuel payments done with my ICICI card.

Aug 1, 2019
4/5
Best benefit

The best benefit of my ICICI Rubyx card is the fascinating travel benefits that I am getting with it!

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