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हिंदी में पढ़े
Updated: 30-07-2021 10:02:27 AM

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 Credit CardAnnual FeeCard Type
Amazon Pay ICICI Credit CardNilCashback
ICICI Coral Contactless Credit CardRs. 500Rewards
ICICI Bank Rubyx Credit CardRs. 2,000Travel, Rewards
ICICI Bank Sapphiro Credit CardRs. 3,500Travel. Rewards
ICICI Bank Emeralde Credit CardRs. 12,000Premium
MakeMyTrip ICICI Platinum Credit CardNilTravel
Manchester United Platinum Credit CardRs. 499Shopping
ICICI Bank HPCL Credit CardRs. 199Fuel
ICICI Diamant Credit CardRs. 10,000Premium
ICICI Platinum Chip Card-VisaNilShopping

ICICI Bank Amazon Pay Credit Card

ICICI Bank Amazon Pay Credit Card

Key Features:

  • Shopping Benefits – Avail the following Shopping Benefits:
Shopping Benefits at Amazon
Prime Members5% cashback
Non-Prime Members3% cashback
Shopping Benefits besides Amazon
Amazon Pay Partners2% cash back
Other Categories1% cash back
  • Dining Offers – Minimum 15% off at partner restaurants.
  • Fuel Surcharge Waiver – 1% waiver on all fuel pumps in India

Read more details

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.

Similar Shopping Credit Cards
Flipkart Axis Bank Credit CardSnapdeal HDFC Bank Credit Card
5% cashback on Flipkart, Myntra, and 2GUD

Read more about this card

20 reward points per Rs. 100 spent on Snapdeal

Read more about this card

ICICI Bank Coral Contactless Card

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 2nd 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.

Read more details

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.

Similar Rewards Credit Cards
HSBC Smart Value Credit CardCitibank Rewards Credit Card

3X rewards on online, dining and telecom categories

Read more about this card

10X rewards on apparel and departmental store spends

Read more about this card

ICICI Bank Rubyx Credit Card

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.

Read more details

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:

Similar Travel Credit Cards
6E Rewards Indigo HDFC Bank Credit CardEtihad Guest SBI Card
6E Prime voucher and an  Indigo ticket voucher worth Rs. 1,500*

Read more about this card

5,000 Etihad Guest miles on spending Rs. 5 lakh

Read more about this card

ICICI Bank Sapphiro Credit Card

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 2nd 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:

Similar Travel Credit Cards
Axis Vistara Signature Credit CardStandard Chartered Emirates World Credit Card

Up to 6 Free Premium Economy tickets as spend milestone benefit

Read more about this card

Up to 6 skyward miles can be earned per Rs. 150 spent

Read more about this card

ICICI Bank Emeralde Credit Card

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 2nd  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.

Similar Credit Cards for All-round benefits
HDFC Diners Club Privilege Credit CardSBI Card ELITE
Membership of Zomato Gold, Amazon Prime, MakeMyTrip Double Black, Times Prime, etc.

Read More About This Card

Club Vistara Silver membership and Trident Privilege Red Tier membership

Read More About This Card

MakeMyTrip ICICI Bank Platinum Credit Card

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 2nd 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.

Read more details

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.

Similar Travel Credit Cards

IRCTC SBI Platinum Credit CardHDFC Bharat Credit Card
Up to 10% value back on IRCTC website

Read more about this card

5% Cashback on IRCTC rail ticket booking, fuel, groceries, bill payment, mobile recharges, payments made through PayZapp

Read more about this card

Manchester United Platinum Credit Card

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:

Similar Shopping Credit Cards
HDFC MoneyBack Credit CardSimplyCLICK SBI Card
2x Rewards on Online Shopping

Read more about this card

10X reward points on online spends

Read more about this card

ICICI Bank HPCL Credit Cards

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:

SIMILAR FUEL CREDIT CARDS
BPCL SBI CardStandard Chartered Super Value Titanium Credit Card
13x reward points equivalent to 3.25% value back on fuel
Read more about this card		5% cashback on fuel spends across all fuel stations up to Rs. 200 per month
Read more about this card

ICICI Bank Diamant Credit Card

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:

Similar Credit Cards
HDFC Infinia Credit CardAxis Bank Burgundy Private Credit Card
Free Club Marriott Membership

Read more about this card

Unlimited lounge access at international & domestic airports

Read more about this card

ICICI Platinum Chip Credit Card – Visa

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.

Similar Shopping Credit Cards
SBI SimplySAVE Credit CardSimplyCLICK SBI Card
10X reward points on Dining, Movies, Departmental Stores and Grocery Spends

Read more about this card

10X reward points on online spends

Read more about this card

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On this Page
Types of ICICI Credit Cards
ICICI Bank Credit Card Fees & Charges
ICICI Bank Credit Card Rewards Programme
ICICI Bank Credit Card Eligibility and Documentation
Minimum Income Required for Top ICICI Credit Cards
How to Apply for ICICI Bank Credit Cards
Quick Links to Manage Your ICICI Credit Card
ICICI Bank Credit Card Customer Care
ICICI Bank Credit Card FAQs
News about ICICI Bank Credit Cards

ICICI Bank Credit Card Fees & Charges

Credit CardAmount
Joining FeeVaries from Card to Card
Annual FeeVaries from Card to Card
Finance Charges3.40% per month and 40.80% per annum
Late Payment Fee2.50% of the over-limit amount/Min. Rs. 500
Nil for amount 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

Click here for the most important terms and conditions related to fees and charges.

Note: Banks reserve the right to change the fees & charges without prior communication.

ICICI Bank Credit Card Rewards Programme

ICICI Bank credit cards reward all eligible spends mostly in the form of PAYBACK Points. The PAYBACK point earn rate for ICICI credit cards are given below.

Credit CardReward PointsAccelerated Rewards
ICICI Bank Coral Contactless Card2 PAYBACK per Rs. 100 spentN/A
ICICI Platinum Chip Card – Visa2 PAYBACK per Rs. 100 spentN/A
Ferrari Platinum Credit Card2 PAYBACK per Rs. 100 spentN/A
ICICI Bank Sapphiro Mastercard Credit Card2 PAYBACK per Rs.100 spent domestically4 PAYBACK per Rs.100 spent internationally
ICICI Bank Rubyx Mastercard Credit Card2 PAYBACK per Rs.100 spent domestically4 PAYBACK per Rs.100 spent internationally
ICICI Bank Unifare Mumbai Metro Credit Card2 PAYBACK per Rs. 100 spent4 PAYBACK per Rs.100 spent on Auto Recharge
ICICI Bank Expressions Credit Card3 PAYBACK per Rs. 100 spentN/A
ICICI Bank Carbon2 PAYBACK per Rs. 100 spentN/A

Besides PAYBACK Points, some ICICI Bank credit cards reward in the form of Hand-picked rewards. The points can be earned every time you use the card. There is no limit on a number of rewards you can earn and they never expire.

Know More

ICICI Bank Credit Card Eligibility and Documentation

The basic eligibility criteria required for ICICI Bank credit cards are given below:

CriteriaDetails
OccupationOffered to both Salaried and Self-employed Applicants
Serviceable CitiesClick here for the list of eligible cities
Documents RequiredClick here for the list of acceptable documents

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Minimum Income Required for Top ICICI Credit Cards

ICICI Credit CardMinimum Income for SalariedMinimum Income for Self-employed
Amazon Pay ICICI Credit CardRs. 25,000 p.m. for existing ICICI Customers
Rs. 35,000 p.m. for others		Rs. 25,000 p.m. for existing ICICI Customers
Rs. 35,000 p.m. for others
ICICI Coral Contactless Credit CardRs. 20,000 p.m.Rs. 50,000 p.m.
ICICI Bank Rubyx Credit CardRs. 6 Lakh p.a.Rs. 9 Lakh p.a.
ICICI Bank Sapphiro Credit CardRs. 9.6 Lakh p.a.Rs. 10 Lakh p.a.
ICICI Bank Emeralde Credit CardCommunicated at the time of sourcingCommunicated at the time of sourcing
MakeMyTrip ICICI Platinum Credit CardRs. 1.8 Lakh p.a.Rs. 6 Lakh p.a.
Manchester United Platinum Credit CardRs. 1.8 Lakh p.a.Rs. 6 Lakh p.a.
ICICI Bank HPCL Credit CardCommunicated at the time of sourcingCommunicated at the time of sourcing
ICICI Diamant Credit CardCommunicated at the time of sourcingCommunicated at the time of sourcing
ICICI Platinum Chip Card-VisaRs. 15,001 p.m.Rs. 50,000 p.m.

How to Apply for ICICI Bank Credit Cards

You can apply for ICICI Credit Cards by filling the form on top of this page. Provide basic details such as your monthly income, city of residence, mobile number, etc. and proceed. You will now be able to see all credit cards that you are eligible for. Pick the ICICI credit card of your choice and fill out the detailed application form. One of our credit card experts will get in touch with you to take the process further.

Note: If you cannot see ICICI credit cards in your list of eligible cards, it is likely that you are not eligible for them. You may apply for a credit card from some other provider or try applying for ICICI credit cards via ICICI Bank website or branch.

Already applied for ICICI Credit Card?

Check Your Application Status

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.

Other ways to Reach ICICI Customer Care

ICICI Bank Credit Card FAQs

I have applied for a credit card. When will I get it?
Issuing of a new credit card usually takes 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?
Cardholders can make their payments through internet banking, mobile banking, bill desk or other online sources. The customer also has the option to 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.

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.

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News about ICICI Bank Credit Cards

ICICI Bank announced the launch of another co-branded card with HPCL
22nd July, 2021

ICICI Bank on Monday i.e. 20th July, 2021 announced the launch of a co-branded credit card with Hindustan Petroleum Corporation Limited (HPCL). The card- ‘ICICI Bank HPCL Super Saver Credit Card’ will be available on the bank’s internet banking platform and the mobile banking app (iMobile Pay). The card offers great rewards and benefits to customers on their daily spends on fuel as well as additional categories including electricity, mobile, departmental stores etc. The customers will also get additional loyalty points when they use this card on the HP Pay App. In terms of fuel benefits, the card will offer 5% cashback on fuel spends at HPCL retail outlets which includes 4% cashback and 1% surcharge waiver. Also, immediately after getting the card, the users will get a welcome benefit of 2,000 PAYBACK points.

How borrowers can use RBI’s second loan moratorium? Explained!
6th May 2021

RBI has released a detailed press release to explain the framework under which loan restructuring can be availed by individuals or small businesses struggling to repay loans. Keeping in view that the pandemic has hurt individuals more during the second wave, RBI said that the second loan moratorium period will offer much-needed financial support to the borrowers. Individual borrowers having aggregate exposure of up to Rs. 25 crore and who have not availed restructuring under any of the earlier restructuring frameworks plus who were classified as ‘Standard’ as of 31st March 2021, shall be eligible for Resolution Framework 2.0 as announced by RBI. . Eligible borrowers who have not availed the first loan moratorium offered last year can avail the second one and those who did avail can get the moratorium period extended. The last date to apply for the moratorium is September 30, 2021.

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.
ICICI Bank Credit Card
(4.3/5 ) 2959 Reviews
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Jun 2, 2021
5/5
Exciting perks and benefits

One thing is for sure that Paisabazaar has quality and professional customer service executives. It was really easy to get a credit card. From helping to choose the ideal card and till the final step it was overall great customer experience. The card has been the best thing for me so far.

Aug 1, 2019
5/5
Higher value items

It is now so easy for me to convert the higher value items to EMIs with my ICICI card.

Aug 1, 2019
5/5
I totally recommend

I totally recommend this credit card to everyone. It has a host of benefits.

Aug 1, 2019
4/5
ICICI Rubyx card

I just love the ICICI Rubyx card. It brings me an amazing variety of benefits.

Aug 1, 2019
5/5
I am so happy

I am so happy that I found out about this card. It is great!

Aug 1, 2019
5/5
No surcharge cost

I am glad that no surcharge cost was levied on fuel payments done with my ICICI card.

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