ICICI Bank credit cards, you can enjoy offers and discounts across categories like shopping, reward points and travel. Here’s a list we have curated for you with the top ICICI Bank credit cards with their detailed features and benefits.
Best ICICI Credit Cards in 2020
|Name of ICICI Credit Card||Key Feature||Annual Fee|
|ICICI Bank Coral Contactless Card||2 free movie tickets every month on BookMyShow.**||Rs.500*|
|ICICI Platinum Chip Card – Visa||1% fuel surcharge waiver at HPCL pumps.**||Nil|
|Manchester United Platinum Credit Card||Manchester United Branded Football as welcome gift||Rs.499*|
|Manchester United Signature Credit Card||10% discount on merchandise from the Manchester United online store||Rs.2,499*|
|MakeMyTrip ICICI Bank Platinum Credit Card||Vouchers for MMTBLACK membership and Lemon Tree Hotels worth Rs 2,000||Nil (First year fee Rs. 500)|
|MakeMyTrip ICICI Bank Signature Credit Card||MMTDOUBLEBLACK and MMTBLACK enrolment||Nil (First year fee Rs. 2,500)|
|ICICI Bank Rubyx Credit Card||Shopping and Travel Vouchers worth Rs 5,000 as joining benefit||Rs.2,000* (First year fee Rs. 3,000)|
|ICICI Bank Sapphiro Credit Card||Shopping and Travel Vouchers worth Rs 10,000 as joining benefit||Rs.3,500*|
(First year fee Rs. 6,500)
|ICICI Bank Diamant Credit Card||Travel, Lifestyle and Medial privileges||Rs.10,000|
|ICICI Bank Emeralde Credit Card||Complimentary Golf lessons and Payback points||Rs.12,000|
|ICICI Bank HPCL Credit Cards||Savings on fuel along with Payback points||Rs.199|
|ICICI Intermiles Credit Cards||Dining discount along with bonus intermiles||Varies card to card|
*Waived off on reaching a preset spending milestone
**Terms and Conditions Apply
Read more about the features of ICICI Bank credit cards. You can click on the Apply button under each card section and we would be happy to guide you.
ICICI Bank Credit Card Payment Moratorium
The RBI has allowed all financial institutions (banks, NBFCs, etc.) to provide moratorium period till August 31, 2020, to its customers that have availed terms loans and credit cards from them. While it was announced for 3 months initially till May 31, the moratorium now has been extended for another 3 months till August 31, 2020. Herein, all the customers who opt for moratorium facility will be allowed to not make any payment towards their loans and credit card dues for this period. However, the customer has to pay the entire outstanding amount along with the interest accrued on the same once the moratorium period is over.
ICICI credit card customers should note:
For more details on ICICI Bank Credit Card Payment Moratorium, Click here
Please note: The moratorium period announced by RBI is not waiver of loans/dues. It is only a temporary relief offered to the people whose income is impacted due to the Covid-19 lockdown. Our advice to customers would be not to choose the moratorium for their outstanding credit card dues. As finance charges on your unpaid credit card dues can go up to 49% p.a., the interest accrued in case you opt for the moratorium can be extremely high. For those with ICICI Credit Cards, finance charges can range from 29.88% to 42% p.a.
Instead, you should choose to convert your outstanding dues into EMIs, as interest rates for this would be significantly lower. ICICI Bank usually charges up to 16% for converting your unpaid dues into EMIs and you can choose a tenure of up to 24 months.
However, those who can afford to pay their EMIs and Credit Card bills in full, should continue to do so and follow their regular repayment schedule, to avoid paying any interest.