If you are planning to apply for a new credit card from ICICI Bank, you have a huge array of cards to choose from. You have the option of lifestyle cards that offer discounts on shopping, dining at restaurants and leisure activities like movies; or you can choose a card with travel benefits including frequent flyer miles, complimentary airport lounge access, fuel surcharge waivers; or you can choose a card that offers attractive cashback benefits and rewards programmes.

If you are a little undecided, the ICICI Bank website offers a feature where you can compare the cards you are considering. It lists the main features of the cards, the benefits, the joining fee and the annual fee. This comparative list will help you make a quick comparison on the benefits of each card.

When you are choosing which new credit card to apply for, make note of the interest rate charged on the balance, the joining fee, the annual fee, the whether the benefits suit your lifestyle and requirements. For instance, if you do not play golf, then a card that offers golfing privileges will not be of much use. Similarly, if you do not fly frequently, then a card that links your expenditure to airline miles is not suitable, and it might make more sense to go for a lifestyle card that offers discounts on shopping and dining.

How to apply for a new credit card from ICICI Bank

You can apply two ways for a new card:

Online: It is quick and simple to apply for a new card online. You need to fill in a few personal details including your date of birth, city of residence, employment status, net monthly income and company name among other details. Based on this information, you will be offered a list of ICICI credit cards that you qualify for. You simply need to choose the card that best suits your specifications and upload the necessary documents including ID, address and income proof.

Offline: You can visit the nearest ICICI branch and fill in the application form and submit the requisite documentation. Alternatively, you can ask for a representative to contact you by phone, sms or email with details on the application process.

It typically takes a maximum of 21 working days for a new credit card application to be processed.

Tracking your application

It is possible to track the status of your application online. When you submit your application, you will receive a reference number. Click on the “Track Application Status” tab on the credit cards section of the ICICI bank website, and enter the reference number. You can instantly learn the progress of your application.