ICICI Credit Card

You can find many ICICI credit cards, from free basic cards to premium options with lots of benefits. These benefits cover things like fuel, travel, shopping, dining, and more. You can even get cards linked to popular brands like Amazon, HPCL, Adani, and MakeMyTrip. Read on to compare and apply for the best ICICI credit card for you.

ICICI Credit Card Eligibility

ICICI Bank evaluates credit card eligibility based on factors such as the applicant's age, income, employment details, and credit history. Here are the general eligibility requirements:

1. Age Requirements

• Primary Applicant: Must be between 21 and 60 years old.
• Add-On Cardholder: Must be 18 years old minimum.

2. Income Criteria

• A minimum monthly or annual income is required, which varies depending on the card type. For example:
• Entry-level cards: May require an annual income of ₹2.5-3 lakh.
• Premium cards: May require a higher income, such as ₹6 lakh or more per annum.

Self-employed applicants need to show a stable income through tax returns or business revenue.

3. Employment Status

• Salaried individuals: Must have a steady income and preferably work for a reputable organisation.
• Self-employed individuals: Need to demonstrate a consistent income source through audited financials or tax filings.

4. CIBIL/Credit Score

• A credit score of 750 or higher is generally preferred, though some cards may have lesser requirements.

5. Indian Residency

• Must be an Indian resident or a Non-Resident Indian (NRI) with appropriate documentation.

6. Documentation

The following documents are commonly required:

• Identity Proof: Aadhaar card, PAN card, passport, voter ID, or driving licence.
• Address Proof: Utility bill, Aadhaar card, passport, or housing rental agreement.
• Income Proof: Recent salary statements, bank statements, or ITR details.

ICICI Credit Card Benefits and Features

Reward Points:

• Earn rewards points on every purchase you make.
• Redeem these points for shopping, travel, vouchers, and more.

Cashback Offers:

• Get cashback on fuel, dining, online shopping, and utilities with select cards.
• For example, the Amazon Pay ICICI Credit Card gives you cashback on Amazon purchases.

Fuel Surcharge Waiver:

• Save money by waiving the 1% fuel surcharge at many petrol pumps.

Airport Lounge Access:

• Enjoy free access to domestic and international airport lounges with premium cards like ICICI Coral, Rubyx, and Sapphiro.

Dining Discounts:

• Get up to 15% off at many restaurants with the Culinary Treats Program.

Global Acceptance:

• Use your ICICI credit card at millions of stores worldwide.

No-Cost EMI:

• Convert big purchases into easy monthly payments with 0% interest, often available online or at partner stores.

Insurance Coverage:

• Some cards offer free travel insurance, lost card protection, and purchase protection.

Pre-Approved Offers:

• If you're already an ICICI customer, you may get pre-approved credit card offers without any paperwork.

Customised Cards:

• Choose from co-branded cards like the ICICI Manchester United Credit Card or the ICICI HPCL Credit Card for special benefits and perks.

Major ICICI Credit Card Cards

ICICI Credit Card Offers

Here's an overview of some common types of ICICI credit card offers:

1. Shopping Offers

Amazon Pay ICICI Credit Card:

• Receive 5% cashback on Amazon purchases as a Prime member.
• 3% cashback for non-Prime members.
• 1% cashback on all other spends.

E-commerce Offers:

• Discounts or cashback on platforms like Flipkart, Myntra, and BigBasket during special sales (e.g., festival or seasonal offers).

2. Travel Offers

Discounts on Flight and Hotel Bookings:

• Exclusive discounts on platforms like MakeMyTrip, Yatra, or Cleartrip using ICICI credit cards.

Airport Lounge Access:

• Complimentary domestic and international lounge visits on premium cards like ICICI Sapphiro, Rubyx, and MakeMyTrip Signature Credit Card.

Fuel Benefits:

• HPCL ICICI Coral Credit Card:2.5% cashback and 1% fuel surcharge waiver on fuel purchases at HPCL pumps.

3. Dining Offers

Culinary Treats Program:

• Receive up to 15% discount at more than 2,500 partner restaurants in India.
• Available on most ICICI credit cards, enhancing dining savings.

4. Lifestyle and Entertainment Offers

BookMyShow Offers:

• ICICI Coral and Rubyx cardholders can avail "Buy 1 Get 1 Free" on movie tickets (up to ₹300) every month.

Shopping Discounts:

• Partnered deals with lifestyle stores, including brands like Shopper’s Stop, Pantaloons, and Reliance Trends.

5. EMI and Cashback Offers

No-Cost EMI:

• Convert high-value purchases into no-cost EMIs on platforms like Flipkart, Amazon, and select retail outlets.

Cashback Offers:

• Periodic cashback offers during sales or festive periods on specific merchant transactions.

6. Seasonal Offers

• ICIC Bank rolls out special deals during festivals like Diwali, Dussehra, or New Year, offering discounts or extra cashback on various spending categories.

Recommended Read: Minimum CIBIL™ score required for ICICI credit card

ICICI Credit Card Rewards for Popular Cards

ICICI Credit Card Application Process

Online Application Process

1. Visit the ICICI Bank Website: Go to the official ICICI Bank credit card page.

2. Browse Credit Cards: Choose a credit card that suits your needs.

3. Check Eligibility: Use the online tool to check your eligibility based on your income, job, and credit score.

4. Fill Out the Application Form:

• Complete the fields with your personal details: name, DOB, phone number, and email address.
• Provide your income and job information.
• Upload documents like your PAN card, Aadhaar card, salary slips, or bank statements.

5. Submit the Application: Submit your completed application form. You will receive a reference number to track your application.

6. Verification Process: ICICI Bank may contact you to verify your information and check your credit history.

7. Approval and Dispatch:

• If your application is approved, expect a notification via SMS or email.
• Expect your credit card to arrive at your address.

Offline Application Process

1. Visit an ICICI Bank Branch: Go to the nearest ICICI Bank branch.

2. Consult with a Bank Representative: Talk to a bank representative about your needs.

3. Fill Out the Application Form: Fill out the physical application form and attach the required documents.

4. Submit the Application: Submit the form and documents to the bank representative. Keep the acknowledgment slip.

5. Verification and Approval: The bank will verify your information and creditworthiness.

6. Card Delivery: Upon approval, your credit card will be sent to the address you provided.

ICICI Credit Card Payment Methods

ICICI Bank Internet Banking

1. Access your account and proceed to the "Payments & Transfer" section.

2. Select "Credit Card Payments" and choose your ICICI credit card.

3. Enter the amount you want to pay.

4. Choose how you want to pay (using your ICICI Bank account or another bank account).

5. Confirm the payment.

ICICI Bank Mobile Banking App (iMobile)

1. Open the iMobile app and log in.

2. Go to "Pay Bills" or "Payments" and select "Credit Card."

3. Choose your credit card and enter the amount you want to pay.

4. Choose your ICICI Bank savings account or linked account to pay.

5. Confirm and complete the payment.

UPI (Unified Payments Interface)

1. Launch any UPI app, including Google Pay, PhonePe, or Paytm.

2. Choose the option to make a credit card payment.

3. Fill in your ICICI credit card number and the amount to pay.

4. Authorise the payment with your UPI PIN.

Auto-Debit Facility

1. Set up auto-debit through ICICI Internet Banking or the iMobile app.

2. Link your ICICI Bank account and choose the payment amount (full balance, minimum due, or fixed amount).

3. Your credit card payment will be automatically deducted on the due date every month.

ICICI Credit Card Fees

Recommended Read: ICICI Bank Credit Card Balance Check

ICICI Credit Card Balance Transfer

With ICICI Credit Card Balance Transfer, you can move your outstanding balance from another credit card to your ICICI Bank credit card. This helps you pay less interest.

Key Features:

• Low Interest Rate: You can get a low-interest rate (around 1.0% to 1.5% per month) on the transferred balance.
• Flexible Repayment: Choose a repayment period of 3 to 12 months.
• Nominal Processing Fee: You may need to pay a small fee (1-2%) of the transferred amount.
• Easy Process: You can initiate the transfer online through ICICI Internet Banking or the iMobile app, or by calling customer care.

Benefits:

• Lower Interest Cost: Pay less interest on your outstanding debt.
• Simplified Payments: Combine multiple credit card debts into one easy monthly payment.

Eligibility:

• You must have an ICICI credit card with a good payment history.
• Your eligibility for the balance transfer depends on your credit limit.

ICICI Credit Card Customer Care

Phone:

• General Inquiries: Call 1860 120 7777 (India).
• International Customers: Call +91 22 3366 7777.
• Lost or Stolen Cards: Call the above numbers immediately to block your card.

Specific Inquiries:

• For questions about payments, rewards, fees, or balance transfer, call the customer care number and follow the prompts to speak with a representative.

Online Support:

• Email:For general inquiries, you can email creditcards@icicibank.com.
• Chat: Get quick assistance through ICICI Bank's Live Chat feature on their website or mobile app.

Disclaimer:All the features, interest rates, steps, contacts, and other information specified above are sourced when this page was written and are subject to change. For exact information, refer to the ICICI Bank’s website or contact them.

Frequently Asked Questions

Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.