ICICI Credit Card

Features and Benefits of ICICI Bank Credit Cards

The following are the key features and benefits of ICICI Bank Credit Cards:

• ICICI Bank credit cards come with a lot of exciting offers and discounts that ease your shopping expenses.
• You can now avail personal loans through your ICICI Bank credit cards with instant approvals.
• ICICI Bank offers a credit card protection plan and this will help you protect your cards from being misused in case of theft or loss.
• You can easily request and increase the limit on your ICICI Bank credit cards.
• You can pay your mobile, electricity, gas, water bills via your ICICI Bank credit cards online.
• With your ICICI Bank credit card, you can use the EMI facility offered by the bank.
• ICICI Bank credit cards allow you to earn reward points every time you swipe the card.

ICICI Travel Credit Cards

Emirates Skywards ICICI Bank Emeralde Credit Card

• Joining Fee: Rs.10,000 + GST
• Annual Fee: Rs.10,000 + GST

Features and Benefits:

The following are the key features and benefits of Emirates Skywards ICICI Bank Emeralde Credit Card:

• Free domestic and international lounge access and spa sessions.
• 2.5 Skywards Miles is provided for every Rs.100 that is spent.

Emirates Skywards ICICI Bank Sapphiro Credit Card

• Joining Fee: Rs.5,000 + GST
• Annual Fee: Rs.5,000 + GST

Features and Benefits:

The following are the key features and benefits of Emirates Skywards ICICI Bank Sapphiro Credit Card:

• 2.5 Skywards Miles is provided for every Rs.100 that is spent.
• 5,000 Skywards Miles are provided every year.

Emirates Skywards ICICI Bank Rubyx Credit Card

• Joining Fee: Rs.1,000 + GST
• Annual Fee: Rs.1,000 + GST

Features and Benefits:

The following are the key features and benefits of Emirates Skywards ICICI Bank Rubyx Credit Card: 

• 1 free domestic lounge access every quarter.
• 1.5 Skywards Miles is provided for every Rs.100 that is spent.

ICICI Lifestyle Credit Cards

Platinum Chip Credit Card

• Joining Fee: Nil
• Renewal Fee: Nil

Features and Benefits:

The following are the key features and benefits of ICICI Bank Platinum Chip Credit Card:

• ICICI Bank Reward Points can be redeemed for vouchers and gifts.
• Fuel surcharge is waived.
• Contactless payments can be made.

Coral Credit Card

• Joining Fee: Rs.500 plus GST
• Renewal Fee: Rs.500 plus GST

Features and Benefits:

The following are the key features and benefits of ICICI Bank Coral Credit Card:

• Get one free domestic railway lounge visit (one every quarter).
• Get 25% as a discount up to Rs.100 when you buy a minimum of 2 movie tickets on Inox and BookMyShow. You can avail this two times in one month.
• Receive 1 free domestic airport lounge visit (one every quarter) when you spend Rs.75,000 and more in a calendar quarter on the credit card for availing the facility during the next calendar quarter.
• You can also get dining offers via the ICICI Bank Culinary Treats Programme.

Rubyx Credit Card

• Joining Fee: Rs.3,000 plus GST
• Renewal Fee: Rs.2,000 plus GST

Features and Benefits:

The following are the key features and benefits of ICICI Bank Rubyx Credit Card:

• Get 25% as a discount up to Rs.150 when you buy a minimum of 2 movie tickets on Inox and BookMyShow. You can avail this two times in one month.
  

Sapphiro Credit Card

• Joining Fee: Rs.6,500 plus GST
• Renewal Fee: Rs.3,500 plus GST

Features and Benefits:

The following are the key features and benefits of ICICI Bank Sapphiro Credit Card:

• Internation Airport Lounge Access is provided two times in a year at no additional charges.
• Domestic Airport Lounge Access is available at no additional cost four times every quarter.

Expressions Credit Card

• Joining Fee: Rs.499 plus GST
• Renewal Fee: Rs.499 plus GST

Features and Benefits:

The following are the key features and benefits of ICICI Bank Expressions Credit Card:

• 3 Reward Points are provided for every Rs.100 that is spent (apart from fuel).
• Get 2 monthly discounts on movie tickets through INOX & BookMyShow

ICICI Fuel Credit Cards

ICICI Bank HPCL Coral Credit Card

• Joining Fee: Rs.199 plus GST
• Renewal Fee: Rs.199 plus GST

Features and Benefits:

The following are the key features and benefits of ICICI Bank HPCL Coral Credit Card:

• You can earn 2 ICICI Bank Reward Points for every Rs.100 that you spend on retail purchases except fuel.
• Get 2.5% cashback and also a 1% savings on fuel surcharge on fuel purchases at HPCL pumps.

HPCL Super Saver Credit Card

• Joining Fee: Rs.500 plus GST
• Annual Fee: Rs.500 plus GST

Features and Benefits:

The following are the key features and benefits of ICICI Bank HPCL Super Saver Credit Card:

• 5% is provided as Reward Points on departmental stores, grocery, and utility purchases.
• Road Side Assistance is provided 24x7 at no additional charges.
• You can earn 2 ICICI Bank Reward Points for every Rs.100 that you spend on retail purchases except fuel.

ICICI Sports Credit Cards

Chennai Super Kings ICICI Bank Credit Card

• Joining Fee: Rs.500 plus GST

ICICI Bank is no longer accepting new applications for the Chennai Super Kings ICICI Bank Credit Card as of the revamp date; existing cardholders continue to be serviced.

Features and Benefits:

The following are the key features and benefits of Chennai Super Kings ICICI Bank Credit Card:

• 2,000 Rewards Points is provided as a joining gift once the joining fee is paid and Rs.5,000 is spent within the first 45 days.
• Once the annual fee is paid, 2,000 ICICI Bank Reward Points are provided.
• An autographed memorabilia from a marquee player is provided to the highest spenders in a month.

ICICI Bank Shopping Credit Card

Amazon Pay ICICI Bank Credit Card

• Joining Fee: Nil
• Renewal Fee: Nil

Features and Benefits

The main features and benefits of the credit card are mentioned below:

• No annual fee needs to be paid.
• No joining fee needs to be paid.
• No interest is levied on 3 and 6-month installments.
• In case Rs.1 is spent, 1 Reward Point is provided.

ICICI Bank Parakram Cards

• Joining Fee: Nil
• Renewal Fee: Nil

Features and Benefits

The main features and benefits of the credit card are mentioned below:

• No annual fee needs to be paid.
• No joining fee needs to be paid.
• Three add-on cards can be availed at no additional charges.
• 2 domestic railway lounge access is provided free of cost.

Eligibility to Apply for ICICI Bank Credit Cards

To avail any of the ICICI credit cards, you must meet these eligibility criteria:

• You must be an Indian national citizen.
• You must not be younger than 21 years at the time of application. The minimum age for an add-on cardholder is 18 years.
• If you are self-employed, the minimum annual income must be not lesser than Rs.2.4 lakh, as listed on the last IT returns document.
• You must have a clean credit record, with no obvious red flags.
• For most ICICI Bank credit cards, salaried applicants need a minimum monthly income of Rs.20,000. 

Documents Required to Apply for ICICI Bank Credit Cards

The following are the documents required to apply for ICICI Bank Credit Cards:

How to Apply for ICICI Credit Card Online?

Follow the procedure mentioned below to apply for ICICI credit card online -

Step 1: You can easily apply for an ICICI Bank credit card by visiting the website https://www.icicibank.com/personal-banking/cards/credit-card.

Step 2: The list of credit cards will be displayed.

Step 3: Click on ‘Apply Now’.

Step 4: Enter the mobile number and PAN number.

Step 5: Agree to the terms and conditions.

Step 6: Follow the steps on the next page to apply for a credit card.

Step7: Select ICICI Bank credit cards, such as the Platinum Chip Credit Card, support a paperless application through DigiLocker, so you do not need to upload physical documents.

How to Apply for ICICI Credit Card Offline?

The procedure mentioned below explains how to apply for ICICI credit card offline -

Step 1: Visit any ICICI Bank branch.

Step 2: A bank official will give you an application form

Step 3: You need to fill this form and submit it with the required documents.

Once you meet the ICICI credit card eligibility criteria, an ICICI Bank official will get in touch with you and help you complete the process.

How to Track Your ICICI Credit Card Application Status?

• You can track your ICICI Bank credit card application status by visiting the bank's website and logging in.
• You can also call the ICICI Bank credit card customer care number at 1800 1080 and ask the representative to track your application status.

ICICI Bank Credit Card Balance Transfer

ICICI Credit Card Bank Balance Transfer is the facility offered to every ICICI Bank credit cardholder that allows them to transfer their balances from one bank credit card to their ICICI Bank credit card.

• You can save on the interest payment to the other bank.
• You can do a balance transfer up to Rs.3 lakh.
• You can make payments in 3- and 6-month installments.
• You do not need to submit any documentation.
• You will be qualified for a debt transfer on your credit card if you have a strong track record with the bank in terms of credit card spending, transaction patterns, and payment history. You must have a minimum balance of Rs.15,000 on the other bank's credit card.

ICICI Bank Credit Card Bill Payment

You can pay your ICICI Bank credit card bill in the following ways:

• Use the bank's Internet Banking facility and login to your ICICI Bank Account. You can then pay the overdue amount.
• You can pay the credit card bill via QR-Code based Unified Payments Interface (UPI) payments.
• You can also make payments via the ICICI Bank iMobile app.
• You can pay your credit card bill via the ICICI Bank Debit Card at ICICI Bank ATMs

If you are a non-ICICI Bank customer, you can pay your outstanding ICICI credit card bill in the following ways:

Step 1: Choose the bank from which you want to make your ICICI Bank credit card payment.

Step 2: Choose the type of credit card.

Step 3: Enter the ICICI Bank Credit Card number and also the amount that you want to pay.

Step 4: You will be redirected to a payment interface.

Step 5: Enter the authentication details and confirm your payment amount.

Step 6: You will get a Transaction Reference Number once you complete the transaction.

Under ICICI Bank's current terms, rent payments and e-wallet loading transactions made on an ICICI Bank credit card do not earn ICICI Bank Reward Points.

How to Contact ICICI Bank Credit Card Customer Care?

You can call the ICICI Bank credit card customer care number at 1800 1080.

ICICI Bank Credit Card Offers

Customers of ICICI Bank can choose from a number of credit card offers. The bank has worked with numerous top brands in India and now delivers a variety of deals to its consumers. These ICICI credit card offers cover a wide range of areas, including food, travel, health, entertainment, retail, and leisure.

Summary

ICICI Bank offers a wide range of credit cards across travel, lifestyle, fuel, sports and shopping categories, each with its own fees, rewards and lounge benefits. Check the eligibility criteria and required documents before applying online or at a branch, and compare the annual fee against the rewards you are likely to use. Once approved, you can manage payments, track your application and reach ICICI Bank credit card customer care through the channels listed above.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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