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ICICI Bank Credit Cards

ICICI Bank is one of the leading private sector banks in India. ICICI Bank was founded in 1994 and provides a wide range of banking products and financial services. ICICI Bank provides tailor made products to satisfy each customer requirement which can clearly be seen in their credit card offers.

Types of Credit Cards Offered by ICICI Bank

ICICI Bank offers multiple types of credit cards like

Shopping: These are credit cards that are especially made for shopping be it online or offline with great benefits in the form of reward points or cash backs. The cards provided by ICICI Bank in this category are

ICICI Bank Platinum Chip Credit Card

You can earn 2 reward points for everyRs.100 spent when you shop with your ICICI Bank Platinum Chip Credit Card and redeem them easily for attractive options from a range of categories like travel, premium merchandise, and much more. Additionally, you get 15% on dining bill at over 2500 participating restaurants across 12 major cities with the ICICI Culinary Treats Program.

Lifestyle: These are credit cards which provides benefits for dining, movie tickets, etc. This is also called fun credit cards as they give benefits for more experience-oriented services. For example, a credit card will give more rewards for dining or give 2 complementary tickets each month. The cards provided by ICICI Bank in this category are.

ICICI Bank Coral Credit Cardd

You can Earn 2 PAYBACK points on every INR 100 spent for all retail purchases except fuel and earn 1PAYBACK point on every INR 100 spent on utilities and insurance categories. You can get up to 2 free movie tickets by booking through bookmyshow.com, and it can be availed twice a month and save minimum of 15% on dining bill at over 2500 participating restaurants across 12 major cities with the ICICI Culinary Treats Program.

Fuel: Fuel cards are for those who love to travel with surcharge waiver and more reward points for using credit card to pay for fuel. For example, you get 4 times more reward points for using your card to pay for fuel.

ICICI Bank HPCL Credit Card

With PAYBACK points, dining discounts and exclusive offers on fuel transactions, ICICI Bank HPCL Credit Card offers plethora of benefits to the cardholder. Spend rewards, fuel surcharge waiver, EMI payment and bill payments of everyday utilities make it a desirable option for all gentlemen and women to get hold of ICICI Bank HPCL Credit Card.

Why choose ICICI Bank Credit Cards

ICICI Bank provides different credit cards that cater to various customer needs. They understand the requirements of the customer and transfer that knowledge in the credit cards they offer. With great rewards, cashback, travel, shopping and elite credit cards, they cater to every aspect of a customer’s needs.

Apply for ICICI Bank Credit Card

Knowing the need of the customer and making it comfortable for them ICICI Bank provides multiple ways by which an individual can apply for a credit card.

Apply for ICICI Bank credit card online

ICICI Bank Website

You can go to ICICI Bank website and check various credit cards. You can check the eligibility for the credit card you are interested in to make sure you don’t apply for cards you are not eligible for. By this simple step you make sure your card application is not rejected and thus your credit score is not affected.

ICICI Bank Credit Card Eligibility and Documentation

Eligibility

There are certain factors or criteria stipulated by banks which needs to be satisfied before credit card applications are approved. They are

AgeMinimum 21 years
Maximum 65 years
NationalityIndian
Employment TypeSalaried or Self-employed
Employment statusEmployed/In-business for at least 1 yr. and at least 6 months with current employer/business
Minimum IncomeThis varies from card to card, but minimum salary required is Rs.3 lakhs per annum
Credit ScorePreferred 750

These are the general criteria which you need to satisfy for your credit card to be approved. These criteria will change from bank to bank.

Documentation

The documentation required for an Citibank Credit Card is very simple and straightforward. You will require the following:

  • 2 passport size color photos
  • AID Proof (any one) - passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Address Proof (any one)- Passport, driver’s license, voter’s ID, Aadhaar card, Electricity bill, Telephone bill, Postpaid mobile phone bill, Bank account/Post Office savings bank account statement
  • Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16

ICICI Bank Credit Card Benefits & Features

Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you


1. Sign on bonuses: Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you

2. Rewards: Reward points are offered for any transaction that is made using your Axis Bank credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way customer is the winner.

3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as reward for using your ICICI Bank credit card to pay for airline ticket. With enough points you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a life saver in case of delayed flights.

4. Cashback: Some ICICI Bank credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cashback for using your credit card to pay utility bills. This is a great way to save money on spends.

5. Keeping vendors in check: CrCredit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods.

6. Insurance: Many credit cards come with insurance like travel insurance which can be availed. Many card holders don’t even realize they are protected and don’t utilize these facilities. It is bet to read the terms and conditions before you get a credit card and know every feature available.

7. Universal acceptance: Unlike debit cards credit cards have universal acceptance. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.

8. Instant Loan: Your credit limit is a source of loan which can be accessed immediately without requiring any approvals. This can be very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.

9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of credit score, a credit card will help improve your score from that aspect as well.

Thus, credit cards provide a card holder a plethora of benefits.

ICICI Bank Credit Card FAQ

What is the eligibility criteria for getting a ICICI Bank Credit Card?

You need to be above 21 years old and below 65 years old with a steady income of at least Rs.3,00,000 per annum as a self-employed or working in a reputed company.

How to do ICICI Bank credit card bill payment?

You can pay the bill on the ICICI Bank website by logging into their internet banking portal or you can download their mobile app which also has the option of ICICI Credit Card Bill Payment. The offline method is where you can pay your bill at any ICICI Bank branch.

Why was my ICICI Bank credit card application rejected?

It could be any number of reason from low credit score, eligibility criteria etc. You should wait for the rejection letter which will have all the details and reason for rejection. If you have further queries you can contact ICICI Bank credit card customer care for further information for further information.

How can I check my credit card usage?

You can check your credit card usage or balance through Net banking, Mobile banking, visiting the nearest branch, ATM, calling customer service or opt for monthly statements and SMS alerts.

About CreditMantri

CreditMantri pre-screens your application to make sure you are likely to qualify as per the lender’s credit criteria. Hence, the chance of your credit card application getting approved is higher. It is quick, simple and above all, free.

Click here to sign up and apply for loans and credit cards, the CreditMantri way!

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News

ICICI Bank announces a tie-up with Goibibo for the launch of multi-currency travel cards22 May 2019

ICICI Bank and Goibibo, a leading travel portal have come together for the launch of multi-currency travel cards. This will be made available to both ICICI Bank and non-ICICI Bank customers. The card will be accepted in over 200 countries and 4.6 cro...

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ICICI Bank and Goibibo, a leading travel portal have come together for the launch of multi-currency travel cards. This will be made available to both ICICI Bank and non-ICICI Bank customers. The card will be accepted in over 200 countries and 4.6 crore merchants across the globe. The card also introduces flexibility in changing from one currency to another by logging on to the website of ICICI Bank. The card also comes with benefits of up to Rs 20000 which includes Rs 15000 vouchers from Goibibo. The customers also earn a discount on currency conversion rate.

ICICI Bank launches Emeralde Credit Card 5 Mar 2019

Targeting the affluent Indian professionals and entrepreneurs who have high incomes and travel extensively, ICICI Bank has come out with a Super Premium Credit Card called The Emeralde. The customers have the choice of going in either for the Master...

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Targeting the affluent Indian professionals and entrepreneurs who have high incomes and travel extensively, ICICI Bank has come out with a Super Premium Credit Card called The Emeralde. The customers have the choice of going in either for the MasterCard or the VISA card variant. The important benefits bought in by the card are Unlimited complimentary domestic and international lounges and spa access. Exclusive discounts at VLCC, Kaya Skin Clinic, Richfeel, True Fitt n Hill and Gold’s Gym Four payback points for every Rs 100 spent on retail purchases other than fuel The Emeralde Card comes with minimum income criteria of Rs 3 lakh pm for the salaried and Rs 30 lakh as reflected in ITR for the self-employed.

Riding on the popularity of shopping on E-commerce giant Amazon, ICICI Bank launches a co-branded credit card13 Nov 2018

Shoppers on Amazon can now rejoice. ICICI Bank and Amazon.in have come together to launch a co-branded credit card. The card offers some exciting features like reward points that are equal to Re 1 which can be redeemed on Amazon, unlike other cards w...

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Shoppers on Amazon can now rejoice. ICICI Bank and Amazon.in have come together to launch a co-branded credit card. The card offers some exciting features like reward points that are equal to Re 1 which can be redeemed on Amazon, unlike other cards where they are capped 30-40 paise per point. Also, the points on this card never expire. Amazon Prime members have more to celebrate, they earn 5% of their purchase as reward points. Other customers earn 3% reward points. In addition, customers can earn points on spending at Amazon Pay partner merchants spread across categories like utility payments, food delivery, movie booking and much more. 1% of spend on all merchant locations that accept Visa cards is also rewarded as points. Currently, the co-branded credit card is available on invitation only basis for ICICI Bank customers who use the Amazon.in app. The link can be seen on the app for select customers, which they can apply instantly and get an e-card. The offer will be rolled out to other ICICI bank customers and non-ICICI Bank customers in the due course.

ICICI In Partnership With Manchester United To Bring In Co-Branded Credit And Debit Cards24 Aug 2018

Indian fans of the popular football club Manchester United can now rejoice for they can get a co-branded credit or debit card issued by ICICI Bank. The credit cards come in 2 varieties, Manchester United Platinum and Signature cards. These cards ...

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Indian fans of the popular football club Manchester United can now rejoice for they can get a co-branded credit or debit card issued by ICICI Bank. The credit cards come in 2 varieties, Manchester United Platinum and Signature cards. These cards are said to bring a whole lot of benefits to the users ranging from competitive rates, privileges and discounts on Man U merchandise online and through other affiliated partners in India. The benefits also include fully paid trips to Old Trafford to watch games and team training sessions. A signed merchandise and Manchester United welcome gift are on offer for each new customer.

Customer Reviews

4 / 5 (8 Reviews)
6 Dec 2018

Excellent Service ...Thank You CreditMantri Team

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