Banks offer a wide range of credit cards, suited to people of all income groups, wants budgets and needs. There are credit cards specially designed for lifestyle benefits, fuel benefits, air miles benefits, shopping benefits, etc. The choice available in the credit card world can be very tempting, but you also need to be careful about which card to apply for.

ICICI Bank, which is one of the leading private sector banks in India, is also one of the largest credit card issuers in the country. It has come up with a host of features, offers and benefits for its wide customer base.

Types of ICICI credit cards

 ICICI’s credit cards offers lifestyle benefits such as discounts on shopping, dining & movies, and complimentary rounds of golf every month. Some of its cards are packed with travel benefits like complimentary airport lounge access, fuel surcharge waiver, air miles which can be redeemed for air tickets, etc. Other benefits include Cashback rewards, PAYBACK offers, 24x7 concierge service & many more.

Some cards offer generous rewards points programmes. Keep in mind that different ICICI credit cards accrue differing number of Reward Points. For example, with ICICI Coral Credit Card, you earn 4 PAYBACK points for every Rs. 100 spent on dining, groceries and supermarkets. With ICICI Mumbai Metro Credit Card, you earn 8 PAYBACK Points on every Auto Recharge transaction. You can choose to redeem the points accrued in the following ways:

• Redeem through PAYBACK program

• Redeem for Cash

• Redeem for exclusive gifts and vouchers

Only select ICICI Credit cards offer cashback.

How to Get ICICI Credit Card – Eligibility criteria

Not every individual is eligible for ICICI Credit cards. You need to be a salaried or self-employed professional, and be able to demonstrate a stable income. Make sure you fulfill the age and salary criteria when you apply for an ICICI credit card to avoid rejection.  

You can easily check your eligibility online on the ICICI Bank’s website. If you are found eligible, then you will be given a list of cards to choose from. Keep in mind that all approvals are solely at the discretion of ICICI Bank.

Fees and other charges

Look for the joining fees, annual fees and other charges of the credit card you wish to apply for and make sure it is suited to your kind of lifestyle. If you are a frequent online shopper, then it makes no sense to apply for a card which gives travelling benefits. Get a card that rewards online shopping with extra points. Given the vast selection, it can be confusing to identify the most suitable card, which is why research is important before applying for a particular credit card.

Ok, what next?

Once you have decided on the card you want, you can apply online by logging onto the ICICI Bank website or by visiting the nearest ICICI bank branch and submitting the application and required documentation. You can track the status of your application online by referencing your application number.

Great, but I think I might need help…

It can get a little overwhelming to choose from the wide array of credit cards available and identify the most suitable card. If you think you need help with choosing the right credit card that is best suited to your credit profile and needs, then CreditMantri can guide you through the entire application process and match you with the best offer.