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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 :23/01/2020

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 :23/01/2020

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 : 23/01/2020

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 :23/01/2020

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 : 23/01/2020

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 :23/01/2020

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 :23/01/2020

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Updated: 23-01-2020 06:15:39 AM

ICICI Bank offers credit cards with a host of features and benefits catering to the needs of different types of customers. ICICI was the first in the market to launch contactless credit cards. The benefits of ICICI Credit Cards may come in the form of rewards, cash back and more which are best suited for shopping, entertainment, dining etc. Customers who would like to find the best ICICI Credit Card can see the list of most popular credit cards offered by ICICI Bank here.

List of Best ICICI Credit Cards in 2019

Name of ICICI Credit CardAnnual FeeKey Feature
ICICI Bank Coral Contactless CardRs. 500*2 free movie tickets every month on BookMyShow.**
ICICI Platinum Chip Card – VisaNil1% fuel surcharge waiver at HPCL pumps.**
Manchester United Platinum Credit Card499*Manchester United Branded Football as welcome gift
Manchester United Signature Credit Card2,499*10% discount on merchandise from the Manchester United online store
MakeMyTrip ICICI Bank Platinum Credit CardNil (First year fee Rs. 500)Vouchers for MMTBLACK membership and Lemon Tree Hotels worth Rs 2,000
MakeMyTrip ICICI Bank Signature Credit CardNil (First year fee Rs. 2,500)MMTDOUBLEBLACK and MMTBLACK enrolment
ICICI Bank Rubyx Credit Card2,000* (First year fee Rs. 3,000)Shopping and Travel Vouchers worth Rs 5,000 as joining benefit
ICICI Bank Sapphiro Credit Card3,500*
(First year fee Rs. 6,500)		Shopping and Travel Vouchers worth Rs 10,000 as joining benefit

*Waived off on reaching a preset spending milestone
**Terms and Conditions Apply

Compare Best Credit Cards by ICICI Bank
Read More on this Page
Features and Benefits of Best ICICI Credit Cards
ICICI Bank Coral Contactless Credit Card
ICICI Platinum Chip Credit Card- Visa
MakeMyTrip ICICI Bank Platinum Credit Card
MakeMyTrip ICICI Bank Signature Credit Card
Manchester United Signature Credit Card
Manchester United Platinum Credit Card
ICICI Bank Rubyx Credit Card
ICICI Bank Sapphiro Credit Card

Features and Benefits of Best ICICI Credit Cards

Some of the features and benefits of ICICI Bank credit cards are mentioned below:

ICICI Bank Coral Contactless Credit Card

Best suited for:  Dining  Fuel  Rewards

ICICI Bank Coral Contactless Card

Key Highlights

PAYBACK Points – Earn PAYBACK Points in the following ways:

  • Up to 10,000 bonus PAYBACK points on every anniversary
  • Earn 2 PAYBACK points on every Rs. 100 spent
  • 1,000 and 2,000 PAYBACK points on spending a total of Rs.1 lakh and Rs. 2 lakh in a year

BookMyShow Benefits – 2 complimentary movie tickets per month through BookMyShow.

Contactless Card – Tap & Pay or Wave & Pay at NFC enabled POS terminal.

Dining Discounts – Save 15% on dining bills at over 2,500 restaurants across India.

Convenience Fee Waiver – 1% fuel surcharge waiver on maximum spending of Rs. 4,000 at HPCL pumps.

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ICICI Platinum Chip Credit Card- Visa

Best suited for:  Dining Fuel Rewards

ICICI Platinum Chip Card – Visa

Key Highlights

Dining Discounts – Minimum 15% savings at 2,500+ partner restaurants.

Earn Payback Points – 2 PAYBACK points for every Rs.100 spent across all categories except fuel.

Easy Redemption – Redeem points across attractive products from PAYBACK catalogue. (1 PAYBACK Point = Re. 0.25)

Convenience Surcharge Waiver – 1% fuel surcharge waiver for a maximum transaction value of Rs.4,000 at HPCL pumps.

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MakeMyTrip ICICI Bank Platinum Credit Card

Best suited for:  Travel  Dining  Fuel

Key Highlights

MMTBLACK Membership – Free MMTBLACK Membership and Lemon Tree Hotel voucher worth Rs. 2,000 on joining.

Travel Benefits – Complimentary domestic railway and airport lounge access.

Movie Ticket Benefits – Save up to Rs. 6,000 with BookMyShow Buy 1 Get 1 Offer and INOX offer.

Dining Discounts – Discount of 15% at over 2,500 participating restaurants.

Convenience Surcharge Waiver – 1% fuel surcharge waiver on transactions up to Rs. 4,000 at HCPL pumps.

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MakeMyTrip ICICI Bank Signature Credit Card

Best suited for:  Travel  Lounge Access  Rewards

Key Highlights

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

DragonPass Membership – Access 450 airport lounges across the world and avail exciting offers on shopping and restaurants.

Access to Railway Lounge – Avail 1 complimentary railway lounge access in a quarter in India.

BookMyShow Benefits – Up to 2 free tickets worth Rs. 300 per ticket per month. Buy 1 Get 1 offer on BookMyShow.

INOX Benefits – Buy 1 Get 1 Movie Offer on INOX website. Get 2 tickets worth Rs. 300 per month.

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

Convenience Fee Waiver – 1% fuel surcharge waiver on fuel transactions up to Rs. 4,000 at HCPL pumps.

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Manchester United Signature Credit Card

Best suited for:  Movies  Dining  Fuel

Key Highlights

Welcome Gift – Complimentary Manchester United branded holdall and football with 20% discount on advance bookings to the Manchester United museum and tour.

Rewards – Up to 5 PAYBACK points on every Rs. 100 spent on purchases related to retail except fuel.

Dining Discounts – Save a minimum of 15% on dining bills at 2,500 participating restaurants.

Convenience Fee Waiver – 1% fuel surcharge waiver on a maximum spend of Rs. 4,000 at HCPL fuel pumps.

Movie Benefits – BOGO offer on BookMyShow and Inox only applicable to online booking from their websites.

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Manchester United Platinum Credit Card

Best suited for:  Movies  Dining  Fuel

Key Highlights

Welcome Gift – Manchester United benefits on spending Rs. 1,000 or more per month for the first 3 months after joining.

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

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

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

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ICICI Bank Rubyx Credit Card

Best suited for:  Dining  Fuel  Lounge Access

ICICI Bank Rubyx Credit Cards

Key Highlights

Welcome Gift – Shopping and travel vouchers worth Rs. 5,000 on payment of joining fees.

Payback Points – Earn 15,000 bonus PAYBACK points as a card anniversary gift.

Golf Privileges – 2 complimentary rounds of golf every month based on total spending.

Travel Benefits – 2 complimentary domestic airport lounge visits and 2 domestic railway lounge visits per quarter.

Air Accident Cover – Insurance cover of Rs. 1 Crore and lost card liability cover of Rs. 50,000.

Convenience Surcharge Waiver – 1% fuel surcharge waiver at all fuel pumps.

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ICICI Bank Sapphiro Credit Card

Best suited for:  Golf  Dining  Lounge Access

ICICI Bank Sapphiro Credit Card

Key Highlights

Payback Points – 20,000 bonus PAYBACK points on every card anniversary.

Welcome Gift – Shopping and travel vouchers worth Rs.10,000 as welcome gift.

Golf Privileges – 4 rounds of golf at the best golf courses based on your spending.

Travel Benefits – 2 complimentary international airport lounge visits in a year and 4 complimentary domestic airport lounge visits per quarter.

Movie Benefits – Up to 2 complimentary movie tickets per month worth Rs. 500.

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

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

More ICICI Bank Credit Cards

ICICI Credit CardsAnnual Fee (in Rs.)Renewal Fee (in Rs.)Key Features
ICICI Bank HPCL Coral American Express Credit Card199NilEnjoy 3X accelerated rewards on fuel spends at HPCL pumps; Save 1% fuel surcharge waiver across HPCL pumps
ICICI Bank Unifare Mumbai Metro Credit Card299299Preloaded with Rs. 100 for first-time use in Mumbai Metro; at least 15% off on restaurant bill at participating restaurants
ICICI Bank Expressions Credit Card499499 (waived off on spending Rs. 1,50,000 in the previous year)Customize your own credit card design; Earn 3 PAYBACK points for every Rs. 100 spent on retail transactions
ICICI Bank NRI Coral Credit Card1,000500Minimum 15% saving on dining bills and 2 complimentary domestic airport lounge visits per quarter
ICICI Bank Platinum Identity Credit Card2,000750Complimentary Priority Pass Membership; fuel surcharge waiver across all petrol pumps
ICICI Bank Rubyx Visa Credit Card3,0002,000Be a part of ICICI’s Hand-picked rewards programme; get up to 2 free movie tickets per month
ICICI Bank Ascent American Express® Credit Card4,0001,000Get 4000 Hand-picked Rewards as joining benefit; earn 6 hand-picked rewards on every Rs. 200 spent on shopping and dining
ICICI Bank VISA Signature Credit Card25,0002,0001 complimentary round of golf every month*; get 30,000 Hand-picked Rewards as welcome gift
ICICI Bank Carbon1,000N/ABuy 1 Get 1 movie ticket free any day of the week through BookMyShow; save minimum 15% on dining bills
ICICI Bank British Airways Classic Credit CardNil3,500Earn up to 5 Avios per Rs. 100 spent; get a welcome bonus of 3,500 Avios
ICICI Bank Emeralde Credit Card12,00012,000Lowest Forex Mark-up of 1.5% and zero late payment charges, over-limit fee and cash advance fee.

ICICI Bank HPCL Coral American Express Credit Card

Note: This credit card is not available on Paisabazaar.com. Please visit ICICI Bank’s website to apply.

This ICICI credit card can help the users save big on fuel bills in the form of zero fuel surcharge and cashback. A few key benefits of this credit card are-

  • Save 1% fuel surcharge waiver across HPCL pumps on maximum transactional value of Rs. 4,000
  • Earn 2 PAYBACK points for every Rs. 100 spent across all categories
  • Enjoy 3X accelerated rewards on fuel spends at HPCL pumps
  • Get Rs. 100 discount on up to 2 movie tickets per month on bookmyshow
  • Save minimum 15% on your restaurant bill as a part of ICICI’s Culinary Treats Program across more than 800 restaurants in India
  • Get 2.5% cashback on fuel purchases at HPCL fuel pumps subject to a minimum transaction value of Rs. 500

ICICI Bank Unifare Mumbai Metro Credit Card

Note: This credit card is not available on Paisabazaar.com. Please visit ICICI Bank’s website to apply.

This ICICI Credit Card also works as Mumbai Metro Smart Card. The card comes with a joining fee of Rs. 299 and an annual fee of Rs. 299 is also to be paid from second year onwards. Some of its features are-

  • The card will be preloaded with Rs. 100 for first-time use in Mumbai Metro
  • Enjoy up to 20% discount on Mumbai Metro fare
  • Auto recharge facility is available on this credit card on which the card will be credited with 8 PAYBACK Points
  • Get 1% fuel surcharge waived off at HPCL pumps
  • Enjoy at least 15% off on your restaurant bill when you dine out at Culinary Treats participating restaurants

ICICI Bank Expressions Credit Card

Note: This credit card is not available on Paisabazaar.com. Please visit ICICI Bank’s website to apply.

ICICI lets its customers create personalized cards with the Expressions Credit Card. With this ICICI Credit Card, you can choose from an extensive gallery of designs to customize your credit card. The card comes at an annual cost of Rs. 499. Some of its features include-

  • Earn 3 PAYBACK points for every Rs. 100 spent on retail transactions (except on fuel)
  • Get Rs. 100 discount on buying two movie tickets on bookmyshow
  • Enjoy 1 complimentary airport lounge visit per quarter
  • Save at least 15% on your restaurant bills across participating outlets
  • Secured transactions through Chip and PIN facility

ICICI Bank Emeralde Credit Card

Note: This credit card is not available on Paisabazaar.com. Please visit ICICI Bank’s website to apply.

ICICI Bank has launched this super-premium credit card for people with income above Rs. 3 Lakh per month. This card is available at an annual fee of Rs. 12,000 or a monthly membership fee of Rs.1,000. Some of its features are-

  • This card is available in Mastercard and American Express variants
  • Under the entertainment offer, you can get up to Rs. 750 off on the second movie ticket when you book two tickets on BookMyShow
  • Get a complimentary golf round/lesson across some of the best-golfing greens in India and abroad. You must spend Rs. 50,000 in a month to avail this benefit
  • Avail the lowest forex markup of 1.5%. Also enjoy zero over-limit fee, cash advance fee and late payment charges
  • Select your own membership plan
  • Get complimentary access to Dreamfolks DragonPass Lounge Access Programme under which you can access international airport lounges
  • Enjoy 50% discount on annual membership fee of Gold Gym across the country

ICICI Bank Credit Card Eligibility and Documentation

To be eligible for an ICICI Credit Card, following are the criteria-

  • Minimum age – 21 years
  • Maximum age – 65 years
  • He/she should either be a Resident Indian or NRI

The income requirement varies for different cards of ICICI Bank.

Documents Required

Apart from the above mentioned criteria, the applicant should also be able to submit valid proof of identity, income and address. Following documents are accepted-

Proof of Identity

Proof of Address

  • Aadhaar Card
  • Passport
  • Utility bills (not more than 3 months old)
  • Any other government approved ID
Proof of Income
  • Bank statement for the last 3 months
  • Salary slips for the last 3 months
  • Audited financials for the last two years (for self-employed)
  • Form 16

ICICI Credit Card Fees and Charges

The fees and charges associated with ICICI Bank Coral Contactless Credit Card are:

Credit CardAmount
Joining FeeVaries from card to card
Annual FeeVaries from card to card
Add-on Card FeeNil
Free Credit Period18 to 48 days
Cash Advance Fee2.49% – 3.67% per month / 29.88% – 40.80% p.a.
Finance Charges2.49% – 3.67% per month / 29.88% – 40.80% p.a.
Overlimit Charges2.50% of the over-limit amount/Min. Rs. 500
Late Payment FeeNil for amount due 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

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. After the bank is satisfied with the details and the documents furnished, the card will be issued.

Alternatively, you can also apply for ICICI Credit Card on ICICI Bank’s website. Just select the credit card, enter your details and submit. Documents will be collected by the bank’s representative at your doorstep. You can also visit the nearest branch of ICICI Bank to directly fill the form, attach the documents and submit.

You can also send SMS to ICICI Bank to show your interest in a particular ICICI credit card and an executive will give you a callback. The table given below shows the codes for some popular credit cards-

ICICI Bank Coral Contactless CardSMS “CORAL C” to 5676766
ICICI Platinum Chip Card – VisaSMS “PLAT” to 5676766

Already applied for ICICI Credit Card?

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ICICI Bank Credit Card Rewards Programme

Credit CardReward PointsAccelerated Rewards

ICICI Bank Coral Contactless Card

2 PAYBACK points on every Rs.100 spent on your card (except fuel)

N/A

ICICI Platinum Chip Card – Visa

2 PAYBACK points on every Rs.100 spent on your card (except fuel)

N/A

ICICI Bank Sapphiro Mastercard Credit Card2 PAYBACK on every Rs.100 on domestic spends4 PAYBACK on every Rs.100 on international spends

Every time you use your ICICI credit card, you will earn reward points. These points can be redeemed against a host of gifts and merchandise. ICICI Bank has divided its rewards programme into three parts-

  • ICICI Bank Rewards
  • Hand-picked Rewards
  • Payback Rewards

ICICI Bank Rewards- This is the basic ICICI Credit Card rewards programme. Under this, users can earn rewards almost everywhere whether it is dining out, groceries, online shopping or travel. The points never expire and can be redeemed against a range of gift vouchers. You can only redeem once you have accumulated a certain number of reward points.

Hand-picked Rewards- This programme has been designed to make the credit card experience more enriching for the cardholders and includes rewards from an array of fine, hand-picked brands. Under this, users will earn rewards every time they use the card. There is no limit on a number of rewards you can earn and these points never expire. Redemption options range from fine dining, fashion and fragrance to travel, home, hi-tech gadgets and more. Only selected credit cards are eligible for these rewards.

Payback Rewards- PAYBACK is the largest multi-brand loyalty programme in India. On several ICICI Bank credit cards, you earn a certain number of PAYBACK points which can be redeemed against a host of gifts and merchandise mentioned on the rewards catalogue of PAYBACK. Leading brand stores and online merchants have partnered up with PAYBACK to offer rewards to customers. Only a few credit cards are eligible for this programme.

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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.

ICICI Bank credit card customer care address for communications through mails and couriers:

ICICI Bank Limited ICICI Phone Banking Center, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad – 500032

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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.

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.

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ICICI Bank Credit Card
(4.3/5 ) 2869 Reviews
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Aug 1 , 2019
4/5
Perfect card

Just the perfect card for an array of savings and discounts coming my way, everyday.

Aug 1 , 2019
5/5
Happy

Happy that the interest cost is fairly reasonable with this credit card.

Aug 1 , 2019
4/5
Small fee

There is only a small fee for the annual renewal of this card at 2000 INR.

Aug 1 , 2019
5/5
Welcome benefits

Got welcome benefits of the value of INR 5000 with this card.

Aug 1 , 2019
4/5
Applied for this card online

Glad, I applied for this card online and the bank followed a 100% paperless method!

Aug 1 , 2019
5/5
Additional or hidden cost

There is never an additional or hidden cost on the iCICI cards. ICICI is the best!

Aug 1 , 2019
5/5
No annual fee

There is no annual fee to be borne on my ICICI card. This card came as a lifetime free benefit for me.

Aug 1 , 2019
4/5
Grace period

This credit card fetches me a grace period of 38 days. So cool1

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