How can I use an ICICI RuPay Credit Card for UPI payments?

To use your ICICI RuPay Credit Card for UPI payments, link it with UPI apps like Paytm, Google Pay, PhonePe, and others. Go to the “Add Card” section in the app, enter your card details, and complete the linking process. Once linked, you can earn rewards or cashback on eligible UPI transactions.

Does ICICI Bank have a RuPay Credit Card?

Yes, ICICI Bank offers RuPay variants of several popular credit cards such as MakeMyTrip ICICI Bank Credit Card, ICICI HPCL Super Saver Credit Card, ICICI Coral Credit Card, ICICI Bank Rubyx Credit Card, and more. These cards offer benefits on both regular and UPI-based transactions.

Are ICICI RuPay Credit Cards lifetime free?

Currently, ICICI Bank does not offer lifetime free RuPay Credit Cards. However, you may contact ICICI Bank customer service to check if there are any ongoing lifetime free offers on the card you wish to apply for.

Does ICICI RuPay Credit Card offer lounge access?

The features and benefits of ICICI RuPay Credit Cards vary by card variant. You can visit the official ICICI Bank website and navigate to the specific card’s page to check if it offers complimentary lounge access .

ICICI RuPay Credit Card

ICICI Bank provides RuPay credit cards that work with UPI apps such as Google Pay and PhonePe, allowing easy payments....

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About ICICI RuPay Credit Cards

Bank offers some of its popular credit cards on the RuPay network. ICICI RuPay Credit Cards can be added to UPI apps like Google Pay, PhonePe, etc. and used to make UPI transactions. In addition to their regular online and offline spends, cardholders can earn value-back on UPI spends, enhancing their saving opportunities. Below is the list of the best ICICI RuPay Credit Cards along with their features, benefits, fees and charges.

Features & Benefits of ICICI RuPay Credit Card

Below are the detailed features, benefits and fees of the top ICICI RuPay Credit Cards.

MakeMyTrip ICICI Credit Card (RuPay)

One of the most popular travel cards in India, the MakeMyTrip ICICI Credit Card is also available in RuPay variant. Cardholders can earn accelerated rewards on MMT spends, along with the base rate on other retail transactions including UPI. Details are given below:

Joining/Annual Fee: Rs. 999 + Taxes

Key Features:

Complimentary MMT Black Gold membership
MakeMyTrip vouchers worth Rs. 1,000 each on payment of joining and annual fee
6% back on hotel bookings and 3% back on flights, bus and cab bookings through MakeMyTrip (value-back offered as MyCash)
1% back on other retail and UPI transactions
2 complimentary domestic lounge visits per quarter
1 complimentary international lounge visit in a year
Low forex mark-up fee of 0.99%
Movie discount worth Rs. 300 per month through INOX and BookMyShow

ICICI HPCL Super Saver RuPay Credit Card

A co-branded fuel card, ICICI HPCL Super Saver RuPay Card offers up to 5% savings on HPCL fuel spends, along with savings on some practical everyday categories. Read on to know the features of this card:

Joining/Annual Fee: Rs. 500 + Taxes

Key Features:

2,000 reward points as joining benefit
5% saving on HPCL fuel spends in the form of cashback and fuel surcharge waiver
5% back on mobile bills, electricity bills and departmental store spends
2 reward points per Rs. 100 spent on other eligible categories
Additional 1.5% savings as reward points on the HP Pay app
Savings of Rs. 200 per month each on INOX and BookMyShow
1 complimentary domestic lounge visit every quarter on meeting spending threshold of Rs. 75,000 in the previous quarter

ICICI Coral RuPay Credit Card

ICICI Coral is an entry-level card that offers reward points on all spend. Here are the features and benefits of this card:

Joining Fee: Rs. 500 + Taxes

Key Features:

2 reward points per Rs. 100 on all retail spends
1 reward point per Rs. 100 on utility and insurance spends
2,000 bonus rewards on spending Rs. 2 Lakh in a year
1,000 bonus rewards on every additional spend of Rs. 1 Lakh in the year
1 domestic lounge visit per quarter on spending Rs. 75,000 in the previous quarter
4 railway lounge visits in a year
Up to Rs. 400 off per month on movie tickets booked via INOX and BookMyShow
1% fuel surcharge waiver

ICICI Rubyx RuPay Credit Card

ICICI Rubyx Credit Card is a mid-range option from ICICI Bank covering multiple spending categories like shopping, travel, and even insurance and utilities. Here are the key features of this card:

Joining Fee: Rs. 3,000 + Taxes
Annual Fee: Rs. 2,000 + Taxes

Key Features:

Vouchers worth Rs. 5,250 from Croma, Uber, Tata CLiQ, and more on joining fee payment
4 reward points per Rs. 100 spent internationally and 2 reward points per Rs. 100 spent domestically
1 reward point per Rs. 100 on utility and insurance spends
2 complimentary domestic lounge visits per quarter on spending Rs. 75,000 or more in the previous quarter
8 complimentary railway lounge visits every year
3,000 bonus reward points on annual spends of Rs. 3 Lakh and 1,500 additional rewards on spending another Rs. 1 Lakh
Up to Rs. 300 off on movie tickets twice every month through BookMyShow and INOX
Up to 2 free golf rounds per month on monthly spending threshold of Rs. 50,000

ICICI Sapphiro RuPay Credit Card

ICICI Sapphiro has long stood as one of the popular all-rounder cards offering benefits across travel, rewards, lounge access, movies and more. Here are the detailed features:

Joining Fee: Rs. 6,500 + Taxes
Annual Fee: Rs. 3,500 + Taxes

Key Features:

Vouchers worth Rs. 9,000 from Uber, Tata CLiQ, and more on joining fee payment
4 reward points per Rs. 100 spent internationally and 2 reward points per Rs. 100 spent domestically
1 reward point per Rs. 100 on utility and insurance spends
4 complimentary domestic lounge visits per quarter on spending Rs. 75,000 or more in the previous quarter
2 complimentary international lounge visits every year through Priority Pass
4,000 bonus reward points on annual spends of Rs. 4 Lakh and 2,000 additional rewards on spending another Rs. 1 Lakh
Up to Rs. 500 off on movie tickets twice every month
Up to 4 free golf rounds per month on meeting spending thresholds

Fee and Charges of ICICI RuPay Credit Card

Credit Card	Amount
Joining Fee / Annual Fee	Varies from card to card
Finance Charges	3.40%-3.75% per month \| 40.80%-45% per annum
Cash Advance Transaction Fee	2.50% of the over-limit amount \| Min. Rs. 500
Late Payment Fee	On outstanding balance of – Up to Rs. 100: Nil Rs. 101 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 500 Rs. 1,001 to Rs. 5,000: Rs. 600 Rs. 5,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 900 Rs. 25,001 to Rs. 50,000: Rs. 1,100 Above Rs. 50,000: Rs. 1,300

Eligibility and Documents Required

The eligibility criteria for ICICI RuPay Credit Cards may vary as per the card variant and other internal policies of the bank. However, here are some common eligibility terms applicable to ICICI RuPay Credit Cards:

Criteria	Details
Age	Above 21 years
Status	Resident Indian
Occupation	Salaried or Self-employed
Minimum Income	Rs. 20,000 p.m. for salaried applicants Rs. 2,40,000 p.a. for self-employed applicants

Documents Required for ICICI Rupay Credit Cards

If you have pre-approved offer from ICICI Bank for RuPay Credit Cards, you may not be required to submit any documents. However, the bank may require some applicants to submit KYC documents and income proof. The list of acceptable documents is given below:

Document Type	Details
Proof of Identity	PAN Card, Aadhaar Card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government approved photo ID proof
Proof of Address	Aadhaar Card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government approved address proof
Proof of Income	Latest one or two salary slips (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

Note: This list is indicative; ICICI Bank may ask for other documents on case-to-case basis.

How to Apply for an ICICI RuPay Credit Card?

You can apply for select RuPay credit cards through Paisabazaar by following the simple process given below:

Visit Paisabazaar and navigate to the Credit Cards section.
Enter your mobile number and complete the OTP verification.
Fill in the required details to check your eligible credit card offers.
Browse through the list and select your preferred RuPay Credit Card.
Complete the application form and submit it online.
Once submitted, your application will be reviewed by the issuer, and if approved, you will receive your card within 7–10 working days.

Note that application process may be slightly different for pre-qualified customers.

You can also apply for ICICI RuPay Credit Cards directly through ICICI Bank’s official website or by visiting the nearest ICICI Bank branch. Existing ICICI Bank customers would have better chances of approval.

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit card purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

Apply Now

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit card purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

Apply Now

FAQs

The features and benefits of ICICI RuPay Credit Cards vary depending on the card variant. However, one common benefit is that these cards can be linked with UPI apps like Google Pay, Paytm, and more, allowing cardholders to earn rewards or cashback on UPI spends.

Yes, ICICI RuPay Credit Cards are accepted for international transactions. However, you must note that most credit cards charge a foreign currency markup fee of 3.5%. Therefore, for international spends. Therefore, it is advisable to choose a card with a low or zero forex markup fee.

One major difference between RuPay and Visa or Mastercard credit cards is that RuPay Credit Cards can be linked with UPI apps, enabling cardholders to earn rewards on UPI spends. Whereas Visa and Mastercard Credit Cards currently do not offer this benefit on UPI platforms.

To activate your ICICI RuPay Credit Card, download the mobile banking app of ICICI Bank and generate the PIN to enable further transactions. Alternatively, you can activate the card through internet banking or offline by visiting the nearest ATM of ICICI Bank.

The eligibility criteria for ICICI RuPay Credit Cards vary by card type. It is recommended to visit the official website of ICICI Bank to check the specific eligibility requirements and avoid the risk of application rejection.