ICICI Bank Credit Card

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. Find the best ICICI Credit Cards that meets your financial requirements and are popular in the market too.

Best suited for:  Reward Points | Paisabazar Rating ★★

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.

Income Eligibility for Salaried: Rs.20,000 p.m. | Income Eligibility for Self Employed: Rs.50,000 p.m.

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Best suited for: Shopping | Paisabazar Rating ★★★

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.

Income Eligibility for Salaried: Rs.15,000 p.m. | Income Eligibility for Self Employed: Rs.50,000 p.m.

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Best suited for:  Travel | Paisabazar Rating ★★★

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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Best suited for:  Travel | Paisabazar Rating ★★★

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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Best suited for:  Shopping | Paisabazar Rating ★★★

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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Best suited for: Shopping | Paisabazar Rating ★★

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 domestic airport lounge access per quarter.

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

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Best suited for:  Travel | Paisabazar Rating ★★★

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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Best suited for:  Travel | Paisabazar Rating ★★★

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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Best suited for:  Travel | Paisabazar Rating ★★★

Key Highlights

Welcome Gift – The welcome gift includes a MacBook Air MMGG2HN/A from the bank.

Luxury Yachts – Luxury chartered yacht starting from Mumbai coast to the Arabian Sea. You can select any one of the two yachts owned by Ocean Blue Boating Private Limited.

Private Islands –ICICI Diamant credit card lets you enjoy special rates for accommodation at more than 50 exotic islands across the Mediterranean Sea, Indian Ocean, Aegean Sea, Caribbean Isles, and coasts of New Zealand and Australia

Private Jets –Diamant credit cardholders can fly to anywhere in the world by accessing a luxurious private jet including more than 400 destinations across India, including domestic airports, and air force, naval and various other private airstrips.

Taj Hotels Resorts and Palaces Memberships – Complimentary ‘EPICURE PLUS’ and ‘INNERCIRCLE GOLD’ membership for stays at premium Taj hotels and other properties

Want to know more about ICICI Bank Diamant credit card? Click here

Similar Card: IndusInd Legend

ICICI Bank Diamant is not available on Paisabazaar’s platform. To apply for this card, kindly contact the bank officials.

Best suited for:  Lifestyle | Paisabazar Rating ★★★

Key Highlights

Movie Offers: Buy one movie ticket through BookMyShow and get up to Rs. 750 off on the second ticket.

Complimentary Golf Lessons: For every Rs. 50,000 spent, you get a complimentary round/lesson of golf at some of the most iconic golfing greens in India and abroad.

Foreign Exchange-up Fee:  Enjoy one of the lowest foreign exchange mark-up fee of 1.5% on international transactions and reduced APR of 1.99% on ATM withdrawals with ICICI Emerald cards

PAYBACK Points: You can earn 4 PAYBACK points on every Rs. 100 spent on all retail transactions except fuel

Airport Lounge Access: Under the Dreamfolks DragonPass Lounge Access Programme, you will get unlimited access to partner airport lounges across the globe.

Income Eligibility for this card should be more than Rs.3,00,000 p.m.

There are two variants of ICICI Emeralde credit card. To know more about them, click here

Similar Card: HDFC Diners Club Black

ICICI Emeralde is not available on Paisabazaar’s platform. To apply for this card, kindly contact the bank officials.

Best suited for:  Fuel | Paisabazar Rating ★★

Key Highlights

Reward Points : Earn 2 PAYBACK points on every Rs.100 spent on retail purchases  and redeem 2000 PAYBACK points for fuel worth Rs. 500

Cashback Offers : You can enjoy 2.5% cashback and savings of 1% fuel surcharge on fuel purchases at HPCL pumps

Movie Offers : Enjoy Rs. 100 discount on up to 2 movie tickets per month at BookMyShow

Dining Offers : Avail 15% discount on dining at over 800 restaurants via Culinary Treats program

Want to know more about ICICI Bank HPCL Coral Visa credit card, click here

Similar Cards: HDFC IndianOil | BPCL SBI

ICICI HPCL is not available on Paisabazaar’s platform. To apply for this card, kindly contact the bank officials.

Best suited for:  Travel | Paisabazar Rating ★★★

Key Highlights

Intermiles Bonus – Enjoy Welcome bonus along with renewal bonus

Dining Benefits – Get dining discount up to 15%

Fuel Surcharge Waiver  – ICICI Intermiles version comes with 1% fuel surcharge waiver

Entertainment Benefits – The cards comes with entertainment benefits on BookMyShow

Want to know more about ICICI Intermiles Sapphiro Card? Click here

Want to know more about ICICI Intermiles Rubyx Card? Click here

Similar Cards: JetPrivilege HDFC Bank World | JetPrivilege HDFC Bank Diners Club

ICICI Intermiles is not available on Paisabazaar’s platform. To apply for the card, kindly contact the bank officials.

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.

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

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

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

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.