ICICI Bank Credit Card

The following are the features and benefits of ICICI Bank Credit Cards:

• Offers: Get amazing offers on dining, shopping, travel, etc spends on ICICI Bank Credit Card.
• Referral Programme: With the ICICI referral programme you can earn 2000 bonus points for every referral.
• Rewards: Earn stupendous rewards on shopping, travel, dining, utility bill payments, etc with ICICI Bank Credit Card. Cash rewards and payback.
• Chip Card: EMV chip embedded in the card offers security against frauds.
• Lounge Access: Complimentary airport lounge access is provided.
• Add-on card: Add-on card facility for your family members.
• Revolving payment: A revolving payment facility is available wherein only a minimum amount due as stipulated by the bank has to be paid and the residual amount will be carried over to the next month.
• Interest-free period: An interest-free period from 20 days to 50 days is available.

ICICI Bank Credit Card Benefits

• Instant Personal Loans: ICICI bank provides instant personal loan on credit cards up to Rs. 10 lakhs based on the transaction pattern, payment history, and spends. The loan is given at a competitive rate of interest with flexible tenure up to 60 months. The loan amount will be credited directly into your ICICI bank account.
• EMI: A facility to convert purchases on the card to EMI is available. The interest rate is 13% for a tenure option of 3, 6, 9, and 12 months. The interest rate is 15% for a tenure option of 18 and 24 months. ICICI bank has a tie -up with 250 plus popular brands and any product purchased from these brands can be converted to EMI.
• Fuel surcharge: Waiver of 1% fuel surcharge on purchases at all fuel stations across the country

Following are the joining and annual fees of ICICI Bank Credit Cards: 

The following are the details of ICICI Bank Credit Card Charges

Platinum Chip Credit Card

• 2 reward points for every spend of Rs. 100 on all purchases except fuel.
• 1 reward point on every spend of Rs. 100 on utility bills and insurance.

ICICI Bank Coral American Express Card

• 2 reward points for every spend of Rs. 100 on all purchases except fuel.
• 4 reward points for every spend of Rs. 100 online.
• 1 reward point for every Rs. 100 spent on insurance and utility bill.

ICICI Bank Coral Master/Visa Card

• 2 reward points for every spend of Rs. 100 on all purchases except fuel.
• 1 reward point for every Rs. 100 spent on insurance and utility bill payment.

ICICI Bank Coral Contactless Card

• 1 reward point for every Rs. 100 spent on utility bill and insurance payments.
• 2 reward points on every Rs. 100 spent on all purchases except fuel.

ICICI Bank Rubyx Credit Card

• Get shopping and travel vouchers worth Rs. 5000 on a within 30 days of paying the joining fees.
• 1 reward point for every Rs. 100 spent on insurance and utility bills.
• 2 reward points for every Rs. 100 spent on domestic spends 4 reward points on every Rs. 100 international spend with ICICI Bank Rubyx Mastercard.
• 3 reward points for every Rs. 100 spent on domestic spends 6 reward points on every Rs. 100 international spend with ICICI Bank Rubyx American Express Card.

ICICI Bank Sapphiro Credit Card

• Get travel and shopping vouchers worth Rs. 10,000 within 45 days from the date of paying the joining fees as a welcome gift.
• 2 reward points for every Rs. 100 spent on domestic spends 4 reward points on every Rs. 100 international spend with ICICI Bank Sapphiro Mastercard.
• 3 reward points for every Rs. 100 spent on domestic spends 6 reward points on every Rs. 100 international spend with ICICI Bank Sapphiro Platinum American Express Credit Card.
• 1 reward point for every Rs. 100 spent on fuel, insurance and utility bills.

ICICI Bank Emeralde Credit Card

• A gift voucher worth Rs. 5000 from Da Milano on a spend of Rs. 2,00,000 on the card in the first two months of joining.
• 4 reward points on every Rs. 100 spent on retail transactions except fuel.
• 1 reward point for every Rs. 100 spent on insurance and utility bill.

ICICI Bank Diamant Credit Card

• 3 reward points for every Rs. 100 domestic spend.
• 6 reward points for every Rs. 100 international spend.

MakeMyTrip ICICI Bank Signature Credit Card

• Get a My Cash of Rs. 1500 MMTDOUBLEBLACK and MMTBLACK enrolment plus Lemon Tree Hotel Voucher of Rs. 2500 as a welcome gift.
• For the first two eligible domestic flight cancellation and for the first two eligible hotel booking cancellation, you will get full refund to your My Cash Account.
• For every domestic spend of Rs. 200 you earn a My Cash of 1.2.
• For every international spend of Rs. 200 outside Make My Trip you earn a My Cash of 1.50.
• For every Rs. 200 domestic spend on flight bookings at MakeMyTrip you earn a My Cash of 2 and for every Rs. 200 on hotel/holiday bookings on MakeMyTrip you earn a My Cash of 4.

The following criteria have to be complied with to qualify for ICICI Bank Credit Card

• Salaried individuals, self-employed individuals/professionals, and businessmen are eligible for the card.
• The applicant should be in the age group between 21 years to 65 years. The add-on cardholder should be over 18 years.
• The minimum net annual income for is Rs. 2.50 lakhs, Rs. 5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, and Rs. 30 lakhs for Platinum Card, Coral Card, Rubyx Card, Sapphiro Card, and Emeralde Card respectively.
• All ICICI Bank Global Private Client Customers are eligible for ICICI Bank Emeralde Credit Card
• The credit score of the applicant should be over 750.
• The card is issued to both resident and non-resident Indians.

The following documents are required to apply for ICICI Bank Credit Cards.

• Colour photograph of the applicant.
• Anyone of the Photo ID proofs like Voter's ID card, Pan Card, Passport, Aadhar Card, and Driving Licence.
• Anyone of the address proofs like Passport, Utility bills, Aadhar Card, and Voter’s ID card
• Anyone of the documents for Income Proof like the latest salary slips, Form 16/IT Returns and in case of business entities, Audited Balance Sheet and Profit and Loss Account along with ITR
• For ICICI Bank NRI Credit Card, the applicant has to submit the following:
• KYC documents for both primary cardholder and add-on cardholder.
• Pan Card
• Valid Overseas/Indian Passport with photo and signature
• Residence address proof in the name of the applicant or a relative.
• Valid Visa/work permit/resident card
• Overseas residence address proof.

The following methods can be adopted to make the payment of ICICI Credit Card dues.

• Internet banking: Register for ICICI Bank Internet banking and make the credit card payment.
• Auto-debit: If you are a customer of ICICI Bank you can give standing instructions to debit the credit card dues to your savings bank/current account.

If you are not a customer of ICICI Bank then you can do the payment by any of the methods mentioned below:

• NEFT/RTGS: You can make the payment by either NEFT/RTGS. You will have to provide the 16-digit card number for the beneficiary account number. You should give the account number for debiting the amount. Also, you have to give the IFSC Code of ICICI Bank and branch details and the amount to be debited.
• Bills Desk: By using the bill desk facility you can make payment with internet facility of any other bank.
• By cheque: You can make payment through cheque also. The payee’s name should be the 16-digit credit card number. Details of mobile number and name of the cardholder should be given on the reverse of the cheque. The cheque can be dropped at any drop box provided in the city.
• By cash: The payment can be made by way of cash at any of the branches of ICICI Bank.