ICICI Credit Card

ICICI Bank is among the top credit card issuers in India and offers a range of cards suiting 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.

Best ICICI Credit Cards in India for 2021

ICICI Bank Amazon Pay Credit Card

Key Features:

• Shopping Benefits – Avail the following Shopping Benefits:

• Dining Offers – Minimum 15% off at partner restaurants.
• Fuel Surcharge Waiver – 1% waiver on all fuel pumps in India

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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

Read detailed review of Amazon Pay ICICI Credit Card

You can also consider the below-given alternatives.

ICICI Bank Coral Contactless Card

Key Features:

• 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 2^nd 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.

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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

Read detailed review of ICICI Coral Credit Card

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

ICICI Bank Rubyx Credit Card

Key Features:

• 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.

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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

Read detailed review of ICICI Rubyx Credit Card

Other travel credit cards that offer travel benefits are:

ICICI Bank Sapphiro Credit Card

Key Features:

• 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 2^nd ticket, via BookMyShow. Offer can be availed twice a month.
• Dining Discounts – Minimum 15% off on dining bill at participating restaurants.

Read more details

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

Read detailed review of ICICI Sapphiro Credit Card

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

ICICI Bank Emeralde Credit Card

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

• Movie Offers – Buy 1 Get 1 free movie ticket via BookMyShow, Max. discount of Rs. 750 on 2^nd  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 / 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.

Read more details

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

Read detailed review of ICICI Emeralde Credit Card

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

MakeMyTrip ICICI Bank Platinum Credit Card

Key Features:

• 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 2^nd 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.

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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

Read detailed review of MMT ICICI Credit Card

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

Manchester United Platinum Credit Card

Key Features:

• 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

Read more details

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

Read detailed review of Manchester United ICICI Credit Card

Other Shopping credit cards for your consideration are:

ICICI Bank HPCL Credit Cards

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

• 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.

Read more details

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:

ICICI Bank Diamant Credit Card

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

• 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.

Read more details

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:

ICICI Platinum Chip Credit Card – Visa

Key Features:

• 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.

Read more details

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.