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ICICI Bank, one of the popular banks in India, offers a wide range of credit products to its customers. With competitive interest rates on loans and credit cards, ICICI Bank is a name to reckon in the credit market.
For everyone, the needs are plenty, and it could differ for each of us depending on the lifestyle. Clearly understanding the customer’s spending habits, ICICI Bank offers varied credit cards in the following categories.
1. Shopping Card – Exclusive rewards, offers and discounts on online and offline shopping
2. Cashback Card – Helps in saving money on every purchase through cashback points
3. Rewards Card – Accumulate reward points to get various gifts of your choice
4. Travel Card – Lounge access at airports and discounts on ticket and hotel bookings
5. Life Time Free Card – Free credit cards with no annual fees
6. Business Card – For efficiently managing your business with advance credit
7. Lifestyle Card – Discounts, offers and rewards on basic utilities
8. Entertainment Card – Offers and discounts on recreational activities
From the above listed credit cards, you can choose the one that suits your priorities and spending behaviour. You can save a huge amount through offers and rewards provided in each category.
To apply for an ICICI Bank credit card, you must fall into the age limit set by the bank. The applicant should be minimum of 21 years old and maximum of 65. Anyone falling under this age limit can apply for a credit card with ICICI Bank. Add-on credit cardholder should be 18 years and above.
You must have a regular income to avail an ICICI Bank credit card. The income criteria differ according to the features and specifications of the card. You can get an ICICI Bank credit card against your fixed deposit and minimum income set by the bank. Income may vary for different cards based on specifications and features.
The customer should show a proof of steady source of income to avail a credit card from ICICI Bank. You can either be a salaried employee working in an established company or a self-employed professional managing your own business.
Nationality: The applicant should be a resident of India or Non-Resident Indian.
The applicant must check the following things while applying for an ICICI Bank credit card.
Income of the Applicant: Your income plays an important role while applying for a credit card. This is a proof to the bank that you will be able to pay your credit card bill.
You can also get an ICICI Bank credit card against a fixed deposit.
Age of the Applicant: Using a credit card becomes a huge responsibility. An individual gets a steady source of income only after a certain period of years. Hence, the banks are certain about age criteria in giving a credit card as they expect a proper payment every month.
Credit History of the Applicant: Credit history is a clear proof of how an individual manages his/her credit related activities. A good credit history is highly preferred by the lender for offering a credit card.
Nationality Criteria of the Applicant: The applicant should be a resident of India or Non-Resident Indian.
To apply for an ICICI Bank credit card, you need to submit the following documents.
How to Apply for ICICI Bank Credit Card?
If you want to apply for an ICICI Bank credit card, the process is simple, and you can follow the steps given below to get it.
ICICI Bank cardholder can get interest free credit period of up to 48 days, however, it is subject to change according the scheme and card. You won’t get an interest free period if the previous month’s balance is not cleared in full on or before due date. Similarly, interest free period is not applicable for withdrawing cash from ATM.
Annual Membership Fee: The cardholder will have to pay annual membership fee for primary and add-on cards as set by the bank. The charges may vary for different cards depending on the schemes. Annual fees will not be refunded to the cardmember at the time of closure of the credit card.
Cash Advance Fees: The cardholder can use the credit card to withdraw money from ATMs in India and abroad any time. For each transaction, a fee of 2.5% of amount withdrawn or INR 300 will be charged, and it will be added in the next monthly bill. ATM transactions do not get interest free period unlike other purchases.
Late Payment Charges: Late payment charges are applicable if minimum amount due is not paid on or before the due date. Following are the late payment charges applicable.
The credit limit on the ICICI Bank credit cards are determined by the bank at its sole discretion. The available credit limit is communicated to the cardholder at the time of card delivery.
The customer who wants to increase the credit limit can write to the bank asking for increase in the credit limit. While requesting for the increase, the cardholder needs to submit the financial documents such as salary slip, bank statement, income tax returns etc. However, the credit limit increase is determined at the sole discretion of the bank.
You can use the following methods to pay your ICICI Bank credit card bills.
You can register with the bank for net banking facility to make your credit card payments online. After the registration, you can submit a written standing instruction to automatically debit a pre-determined amount from your account. This can help you pay the bills on time and avoid paying interest on late payment.
NEFT: You can pay your credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.
Bill Desk: You can use the ICICI Bank Bill Desk web page which is set up to pay your credit card bills. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to ICICI Bank’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction.
Cash payment: You can pay your ICICI Bank credit card bills by paying in cash at any one of the branches nearest to you. A processing fee per payment will be charged by the bank when you pay your credit card bill.
Cheque payment: If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
You can get in touch with the ICICI Bank credit card customer care 24X7 by contacting the following numbers.
You can call the toll-free number 1800 102 4242 from your mobile and Landlines in India.
You can also write to ICICI Bank zonal offices and post your queries related to credit cards.
It is now easy to check whether you are eligible to get an ICICI Bank credit card at CreditMantri. You can follow the below steps to check your credit card eligibility.
1. Visit the CreditMantri website
2. Click on ‘Credit Cards’ option which will take you to the page where a credit cards from varied banks are listed.
3. You can sort the cards either by bank or categories such as entertainment, cashback, shopping, fuel, rewards, lifestyle and travel.
4. Click on ‘Check Eligibility’ which is displayed against the credit card you choose from the page.
5. You will now be directed to a page where you will have to fill up personal and contact details such as name, email id, mobile number, gender etc. Click on ‘Next’ to proceed to the next step.
6. You will now be asked to submit your income details and after which you will be shown credit cards that you are eligible for. You can choose any of them from the list and apply for it.
CreditMantri pre-screens your application and suggests the lender who suits your eligibility and is willing to lend to you. This increases the chances of approval rate and helps you get the right loan or credit card much easier.
1. Will ICICI bank do a credit check before processing my application for a credit card?
Yes, a credit check will be done while processing your credit card application. Hence, it is necessary to maintain a good credit score to get a credit card with a high credit limit and other attractive terms.
2. What are the types of credit cards available from ICICI Bank?
ICICI Bank offers different kinds of credit cards like:
3. What is the age limit to apply for ICICI Bank Credit cards?
The minimum age limit is 21 years and the maximum age is 60 years.
4. Are credit cards available only for salaried individuals?
ICICI Bank credit cards can be applied for by both salaried and self-employed individuals.
5. Is there a minimum income requirement to apply for a credit card?
Yes, there is a minimum income requirement of Rs. 15,000 per month to avail an ICICI Bank credit card.
6. My ICICI credit card application was denied twice. What might be the reason for this?
All applications for new credit cards are assessed on the basis of various criteria like the applicant's salary, credit score, loan repayment track record, credit history and other bank credit cards, other debts, etc. Make sure you meet the eligibility criteria for most of the parameters before applying again.
7. Which is the best ICICI Bank Credit Card for people who love to shop a lot?
For people who love shopping, they can try these ICICI Bank credit cards –
8. Are ICICI Bank credit cards free or is there joining fees?
ICICI Bank credit cards usually have a joining fee and renewal fee. However, ICICI Bank Instant Platinum Credit Card does not have a joining fee or any annual fee.
9. What are ICICI Bank co-branded credit cards?
Co-branded credit cards are cards issued by ICICI in partnership with famous retail brands that give you additional discounts while shopping at their store.
10. Which are the co-branded credit cards from ICICI Bank? Can anyone apply to get them?
Yes, ICICI Bank co-branded credit cards are available for all individuals and applicants. The list of co-branded credit cards are:
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