ICICI Bank Credit Card

This ICICI Bank Credit Card is best suited for the frequent shoppers due to its excellent rewards programme. One can earn reward points on all purchases and redeem them against a wide range of gift vouchers and merchandise. The joining fee on this credit card is Rs. 1,000 and after that the users are required to pay Rs. 500 as renewal fee from second year onwards. The renewal fee is waived off on reaching total spending of Rs. 1.5 Lakh in the preceding year.

• Get up to 10,000 bonus PAYBACK points on every anniversary.
• Under the Buy One Get One offer, get 2 complimentary movie tickets per month through BookMyShow.
• Get one complimentary domestic airport lounge access per quarter.
• Get one complimentary domestic railway lounge visit per quarter.
• Be a part of ICICI’s Culinary Treats Programme and save 15% on your dining bills at over 2,500 restaurants across India.
• Just tap your card at an NFC enabled POS terminal and make payment without handing over your card to someone else.
• Earn 2 PAYBACK points on every Rs. 100 spent on your credit card across all categories.
• Reach a total spending of Rs. 1 Lakh and Rs. 2 Lakh and get 1,000 and 2,000 bonus PAYBACK points respectively.
• Utility bill payments and insurance transactions will earn only 1 PAYBACK point.
• Enjoy 1% fuel surcharge waiver on maximum spending of Rs. 4,000 at HPCL pumps.

This is a lifetime free credit card from ICICI Bank and offers great fuel and dining benefits. The card has built-in contactless technology so that the users will not have to hand over the card to someone else for swiping. Just tap the card at an NFC enabled terminal and the payment will be made. Being a chip and PIN card, it secures you against frauds.

• Enjoy minimum 15% savings on your restaurant bills when you use your credit card at select restaurants across the country. More than 2,500 restaurants are covered under ICICI’s culinary treats programme.
• Earn 2 PAYBACK points for every Rs. 100 spent across all categories except fuel.
• Accumulated points are redeemable across attractive products from the catalogue of PAYBACK. (1 PAYBACK Point = Re. 0.25)
• Get 1% fuel surcharge waiver for a maximum transaction value of Rs. 4,000 at HPCL pumps.

ICICI Bank Jet Airways Sapphiro comes with a wide array of travel and shopping benefits. This premium credit card is the best match for people who like to travel a lot. Launched in collaboration with Jet Airways, this card offers attractive rewards for travellers at an annual fee of Rs. 5,000. Some of its features include-

• Get 10,000 bonus JPMiles as welcome gift along with a complimentary Jet Airways Air Ticket code.
• On payment of renewal fee, you will get 5,000 renewal bonus JPMiles and an additional Jet Airways air ticket code.
• Enjoy complimentary airport lounge access.
• Avail 5% discount on the base fare for all domestic/international flight ticket bookings made on Jet Airways website.
• Enjoy dedicated check-in for a few selected domestic flights of Jet Airways.
• Enjoy Buy One Get One offer on bookmyshow and get 2 movie tickets per month for free.
• Get 1 complimentary round of golf every month subject to a minimum spending of Rs. 1 Lakh in the previous month.
• Enjoy at least 15% discount on your restaurant bills at over 2,500 participating restaurants.
• Earn up to 7 JPMiles on every Rs. 100 spent on your credit card.

ICICI Bank has launched this credit card to offer its customers the Ferrari Edge benefits. It attracts an annual free of Rs. 499 which is waived off if you spend Rs. 1.25 Lakh in the preceding year. Given below are the exclusive benefits that you will enjoy with this credit card-

• Enjoy up to 20% discount on Ferrari merchandise at the Ferrari Store in Maranello, Italy.
• Get a discount of up to 15% when you buy merchandise from the Online Ferrari Store.
• Get complimentary access to domestic airport lounges.
• For every Rs. 100 spent on the card, you can earn 2 PAYBACK points (except on fuel).
• Get 2.5% fuel surcharge waived off for a maximum transaction value of Rs. 4,000 at HPCL pumps.
• Be a part of ICICI’s Culinary Treats Program and enjoy minimum 15% discount across 2,500+ restaurants in India.
• Buy 2 movie tickets per month subject to a maximum value of Rs. 250 per month.

ICICI Credit Cards	Annual Fee (in Rs)	Renewal Fee (in Rs)	Features	Suitable For
ICICI Bank Sapphiro Credit Card	6,500	3,500	Get shopping and travel vouchers worth Rs. 10,000 as welcome gift; Get 20,000 bonus PAYBACK points on every card anniversary	Shopping and Travel
ICICI Bank Rubyx Credit Cards	3,000	2,000	Get welcome gift in the form of shopping and travel vouchers worth Rs. 5,000 on payment of joining fees	Travel, Dining and Fuel
ICICI Bank HPCL Coral American Express Credit Card	199	Nil	Enjoy 3X accelerated rewards on fuel spends at HPCL pumps; Save 1% fuel surcharge waiver across HPCL pumps	Fuel and Movies
ICICI Bank Unifare Mumbai Metro Credit Card	299	299	Preloaded with Rs. 100 for first time use in Mumbai Metro; at least 15% off on restaurant bill at participating restaurants	Travel and Dining
ICICI Bank Expressions Credit Card	499	499 (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	Shopping and Movies
ICICI Bank NRI Coral Credit Card	1,000	500	Minimum 15% saving on dining bills and 2 complimentary domestic airport lounge visits per quarter	Travel and Dining
ICICI Bank Platinum Identity Credit Card	2,000	750	Complimentary Priority Pass Membership; fuel surcharge waiver across all petrol pumps	Shopping, Fuel and Travel
ICICI Bank Rubyx Visa Credit Card	3,000	2,000	Be a part of ICICI’s Hand-picked rewards programme; get up to 2 free movie tickets per month	Shopping and Movies
ICICI Bank Ascent American Express® Credit Card	4,000	1,000	Get 4000 Hand-picked Rewards as joining benefit; earn 6 hand-picked rewards on every Rs. 200 spent on shopping and dining	Shopping
ICICI Bank VISA Signature Credit Card	25,000	2,000	1 complimentary round of golf every month*; get 30,000 Hand-picked Rewards as welcome gift	Shopping, Travel and Golf
ICICI Bank Carbon	1,000	N/A	Buy 1 Get 1 movie ticket free any day of the week through BookMyShow; save minimum 15% on dining bills	Shopping, Dining and Movies
ICICI Bank British Airways Classic Credit Card	Nil	3,500	Earn up to 5 Avios per ₹ 100 spent; get a welcome bonus of 3500 Avios	Travel

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

With this credit card, ICICI bank offers the benefit of two cards with the convenience of one account. Being a premium card, it offers the finest lifestyle privileges to the users. This card comes at a joining fee of Rs. 6,500 and an annual fee of Rs. 3,500 is to be paid from second year onwards. Some of its exclusive features are-

• Get shopping and travel vouchers worth Rs. 10,000 as welcome gift.
• Get 20,000 bonus PAYBACK points on every card anniversary.
• Enjoy 4 complimentary domestic airport lounge visits per quarter. Also get 2 complimentary airport spa visits per calendar year.
• Get 2 complimentary international airport lounge visits in a year.
• Enjoy 4 rounds of golf at some of the best golf courses based on your spending.
• Get up to 2 complimentary movie tickets per month worth Rs. 500.
• Enjoy minimum 15% off on your dining bill at participating restaurants.

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

This is another gemstone credit card by ICICI and offers benefits across all verticals including shopping, travel, golf, dining and more. Users will be required to pay a joining fee of Rs. 3,000 and an annual fee of Rs. 2,000 from second year onwards. Given below are some features of this card-

• Get welcome gift in the form of shopping and travel vouchers worth Rs. 5,000 on payment of joining fees.
• Earn 15,000 bonus PAYBACK points as card anniversary gift.
• Enjoy 2 complimentary rounds of golf every month based on your total spending.
• Get 2 complimentary domestic airport lounge visits per quarter.
• Get 2 domestic railway lounge visits per quarter.
• Earn twice the reward points when you use your card for international transactions.
• Save minimum 15% on your restaurant bill under the Culinary Treats Programme.
• Get air accident insurance of Rs. 1 Crore and lost card liability cover of Rs. 50,000.
• Enjoy 1% fuel surcharge waiver at all fuel pumps.

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.

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

ICICI Bank has launched a credit card that also works as Mumbai Metro Smart Card. The card comes with a joining fee of Rs. 299 and 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.

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

ICICI lets its customers create personalized credit cards with the Expressions Credit Card. You can choose from 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.

Every time you use your ICICI Bank 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 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 card holders 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 number of rewards you can earn and these points never expire. Redemption options range from fine dine, 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 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.

At the time of credit card application, applicants will be required to submit three types of documents- identity proof, income proof and address proof. The following documents are accepted-

Proof of Identity

• PAN Card
• Aadhaar Card
• Voter’s ID Card
• Passport
• Driving Licence
• Any other government approved photo ID

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

Customers can apply for ICICI Bank credit cards on Paisabazaar.com. Here they 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. Just enter some basic details like your name, email address, contact number, PAN, income and employment details, etc. If you are eligible, you will be required to fill a form after which the bank’s executive will come and collect relevant documents at the doorstep. Your card will be delivered to you within a week.

Alternatively, you can also apply 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 credit card and an executive will give you a call back. The table given below shows the codes for some popular credit cards-

ICICI Bank Coral Contactless Card	SMS “CORAL C” to 5676766
ICICI Platinum Chip Card – Visa	SMS “PLAT” to 5676766
ICICI Bank Jet Airways Sapphiro	SMS “JET” to 5676766
Ferrari Platinum Credit Card	SMS “Ferrari Card” to 5676766

ICICI Bank gives its customers multiple options to pay their credit card bills. These include-

1- Online Payment

If you wish to pay from your ICICI Bank savings/current account, you can do so directly from the net banking portal. Just go to the ‘Bill Pay’ option and enter your card details and make the payment. The amount will be credited within 2 working days. Visa money transfer can also be used to make payment towards your VISA credit card.

If you want to make payment through any other bank’s account, you can do so by availing the NEFT facility or on Bill Desk. Use Transaction Code 52 and IFS code ICIC0000103 for ICICI Bank as the destination bank.

2- Auto Debit

You can set standing instructions on your ICICI bank account to pay the minimum amount due or the total amount due per month. Users can register for auto debit facility by calling ICICI Bank customer care or by logging into internet banking.

3- Pay at ATM

To make the payment, you can visit any ICICI Bank ATM and use your debit card to make payment towards your credit card. The payment will be credited instantly.

4- Call to Pay

You can also call ICICI Bank’s 24 hour customer helpline to make payment towards their credit card. Just follow the IVR instructions and pay the bill. Amount will be credited instantly.

5- Cash Payment

Payment can also be made by submitting cash at any branch of ICICI Bank. Cash payment entails a fee of Rs. 100 per transaction.

6- Pay by Cheque/Draft

Card holders can also draw a cheque/draft favouring their ICICI Bank credit card and drop it at the nearest branch of ICICI Bank. Payment through ICICI Bank cheques will be credited within 3 working days and non-ICICI cheques will be credited within 5 working days.

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

ICICI Bank credit card customer care toll free number: For any queries or grievances, 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 Bank credit card customer care numbers.

ICICI Bank credit card customer care Email ID: ICICI Bank 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

For more info, visit the given link:

1- 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.

2- 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 hot list 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.

3- 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.

4- 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.

5- 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.

6- 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.

7- 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.

8- 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 transaction to the due date.

9- 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.

10- 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.

11- 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.

12- 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.

13- 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.

14- When will the interest charge stop?

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

15- How are interest rates calculated on an ICICI BANK credit card?

Interest charges are only levied if the card holder 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.

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

17- 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 this facility.

18- What happens if my cheque gets delayed in the post beyond the payment due date?

If the bank does not receives 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.

19- 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.

20- What is 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.

21- 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.

22- 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.