ICICI Credit Card Reward Points

ICICI Bank Credit Cards enable purchases even without easy access to cash. Besides, there are reward points for purchases on all the variants of the ICICI Bank Credit Cards that can be accumulated and redeemed. The number of reward points depends on the credit card availed. Read on to know all about the ICICI Bank Credit Card reward points.

Updated: 19-12-2023 11:42:38 AM

About ICICI Bank Credit Cards

ICICI Bank is a premier banking institution in the private banking sector in India. The bank has a widespread network in almost every town in India. By virtue of its technological advancements, ICICI Bank has an extensive clientele spread across every nook and corner of the country. The bank offers various services of which the credit card is one of the most popular products. ICICI Bank takes great pride in being innovative by introducing new products like 'Card in a Flash' where pre-selected customers can get their credit card instantly online. One of the highlights of the ICICI Bank credit card is the well-formulated rewards programs. Almost all ICICI Bank credit cards offer some sort of rewards or the other.

Table of Contents: ICICI Bank Credit Card Reward Points[Hide]

ICICI Bank Credit Card Rewards Program
ICICI Bank Credit Cards - How to apply
ICICI Bank Credit Cards - At a glance
ICICI Bank Credit Card Rewards Program
ICICI Bank Credit Card - Charges

ICICI Bank Credit Card Rewards Program

Rewards points are the best incentives for people to use ICICI Bank credit cards. Apart from the regular benefits available on these cards, the customer gets rewards for using the card. These points are redeemable later on for attractive gifts and other products and services. ICICI Bank Credit Cards offers three types of rewards programs.

Handpicked Rewards - Available to premium credit cardmembers of ICICI Bank as a token of appreciation of patronising the card
ICICI Bank Rewards Powered by PAYBACK - This program has the backing of India's largest rewards programme, PAYBACK.
ICICI Bank Rewards - allows customers to earn handsome rewards and redeem them from a host of options.

Card Product	Ideal for	Number of cards	Number of reward programs
Handpicked Rewards	Premium and pre-selected cardholders	Six cards	34
ICICI Bank Rewards powered by PAYBACK	All credit cardholders	Seven cards	Redeem PAYBACK points for a variety of gifts
ICICI Bank Rewards	All credit cardholders	Ten cards	Ten

Additional Info: Check ICICI Bank Credit Card Status Online.

ICICI Bank Credit Cards - How to apply

ICICI Bank offers facilities to apply for credit cards online. Visit the official webpage of ICICI Bank Credit Cards and proceed with the application.

Provide the following information about yourself:

Name and date of birth
Mobile number
Current residential location
Email address
Type of employment
Existing relationship with ICICI Bank
Indicate whether you own a credit card

Authorise ICICI Bank marketing officials to contact you concerning your credit card application. Click on "Get Offers" to receive information on the range of credit cards on offer.

Additional Info: Amazon Pay ICICI Credit Card Apply Now!!

ICICI Bank Credit Cards - At a glance

ICICI Bank offers six different types of credit cards.

Card Product		Features/Benefits at a glance
Gemstone Cards	Coral Credit Card - MasterCard	10,000 PAYBACK points annually One complimentary domestic/Indian airport lounge visit per quarter One complimentary railway lounge visit per quarter Two complimentary movies per month
	Rubyx Credit Card	Benefits of American Express and MasterCard Welcome gift of 5,000 15,000 PAYBACK points annually 2X rewards on international spending Two complimentary airport lounge access per quarter
	Sapphiro Credit Card	Twin benefits of American Express and MasterCard Welcome gift 10,000 20,000 PAYBACK points annually 2X rewards on international spends Two complimentary airport lounge and airport spa sessions
	Coral Card Visa	Same as that of Coral MasterCard
	Coral American Express Card	Same as that of Coral MasterCard
Airline Cards	Jet Airways Coral Visa Card	Welcome Bonus - 2,500 JPMiles 4 JPMiles/100 Renewal - 1,250 Bonus JPMiles
	Jet Airways Coral American Express Card	Welcome Bonus - 2,500 JPMiles 6 JPMiles/100 Renewal - 1,250 JPMiles
	Jet Airways Rubyx American Express Cards	Welcome Bonus - 5,000 JPMiles 8 JPMiles/100 Renewal - 2,500 JPMiles 5% discount on base fare booking
	Jet Airways Rubyx Visa Card	Welcome Bonus - 5,000 JPMiles + Complimentary Jet Airways ticket code 6 JPMiles/100 Renewal - 2,500 JPMiles + Complimentary Jet Airways code 5% discount on base fare booking
	Jet Airways Sapphiro American Express Card	Welcome Bonus - 10,000 JP Miles + Complimentary Jet Airways ticket code 10 JPMiles/100 Renewal - 5,000 JPMiles + Complimentary Jet Airways ticket code 5% discount on base fare booking
	Jet Airways Sapphiro Visa Card	Welcome Bonus - 10,000 JPMiles + complimentary ticket code 8 JPMiles/100 Renewal - 5,000 JPMiles + complimentary ticket code 5% discount on base fare booking
Contactless Cards	HPCL Coral Contactless card	Visa PayWave Technology 2.5% cashback and 1% fuel surcharge waiver at HPCL petrol bunks 100 discount on two movie tickets per month 15% savings on dining
	Coral Contactless credit card	10,000 PAYBACK Points annually One complimentary domestic airport lounge per quarter One complimentary railway lounge per quarter Two complimentary movies every month
Fuel Cards	HPCL Coral Credit Card	2.5% cashback and 1% fuel surcharge waiver at HPCL petrol bunks Two PAYBACK points/100 100 discount on two movie tickets every month 15% savings on dining
	HPCL Coral American Express Card	2.5% cashback and 1% fuel surcharge waiver at HPCL petrol pumps Six PAYBACK Points/100 on fuel at HPCL bunks 100 discount on two movie tickets per month 15% savings on dining
	HPCL Coral Credit Card Visa	Same as that of HPCL Coral Credit card
Metro Cards	Unifare Bangalore Metro Credit Card	15% discount on travel fare at Namma Metro 1% fuel surcharge waiver at HPCL pumps Eight PAYBACK points/Auto recharge Automatic Metro Balance recharge with auto top-up facility
	Unifare Mumbai Metro Credit Card	Auto recharge facility 12.5% discount on Mumbai metro travel Eight PAYBACK points/Auto recharge 1% fuel surcharge waiver at HPCL bunks 15% discounts on dining
	Unifare Delhi Metro Credit Card	Auto Recharge facility 10% discount on Metro travel 1% fuel surcharge waiver at HPCL pumps 15% discounts on dining
Ferrari and other cards	Platinum Chip Credit Card - Visa	Two PAYBACK points/100 15% savings on dining expenses 1% fuel surcharge waiver at HPCL pumps
	Platinum Chip Credit Card - MasterCard	Same benefits as Visa Card
	Ferrari Signature Credit Card	Welcome complimentary Scuderia Ferrari watch 20% off on Ferrari merchandise at Ferrari Store in Maranello, Italy 15% discount on Ferrari merchandise at Ferrari online stores Top spenders can attend Ferrari challenge race
	Manchester United Platinum Credit Card	Welcome gift - MU branded football Attend MU Premier League match at Old Trafford Top 20 spenders get MU branded shirt monthly 10% off on MU megastore United Direct One complimentary access per quarter at airport lounges in India Three PAYBACK points/100
	Manchester United Signature Credit Card	Welcome gift - MU branded football Attend MU Premier league match at Old Trafford Top 50 spenders - MU branded shirt monthly 10% discount - MU Megastore Two complimentary passes per quarter at airport lounges in India Five PAYBACK points/100
	MakeMyTrip Platinum Credit Card	Benefits worth 20,000 500 My Cash plus Lemon Tree Hotels voucher worth 2,000 Complimentary domestic airport and railway station lounge access Save up to 6,000 on movie tickets 1% fuel surcharge waiver at HPCL pumps
	MakeMyTrip Signature Credit Card	Benefits up to 70,000 1,500 My Cash plus MMTDOUBLEBLACK and MMTBLACK enrolment plus Lemon Tree vouchers worth 2,500 Every sixth ride on Ola free Complimentary Airtel international roaming pack Complimentary foreign and domestic airport lounge and railway lounge access Savings up to 7,200 on movie tickets
	Ferrari Platinum Credit Card	20% discount at the Ferrari Store in Maranello, Italy 15% on Ferrari online stores Buy 1, Get one offer at BookMyShow Complimentary domestic airport lounge access

Also Check: CIBIL score for credit card

ICICI Bank Credit Card Rewards Program

Handpicked Rewards
Get the advantage of handpicked rewards from ICICI Credit Cards. The Benefits Every time you spend on the ICICI Bank credit card, you earn reward points There is no ceiling on the number of Handpicked rewards you earn. The highlight is that these rewards points do not have any expiry date Redeem these rewards points for a variety of benefits like fashion to fragrances, dining, holidays, and so on. Eligible Cards ICICI Bank Sapphiro Visa Credit Card ICICI Bank Rubyx Visa Credit Card ICICI Bank Visa Signature Credit Card ICICI Bank Platinum Identity Credit Card ICICI Bank Ascent American Express Credit Card ICICI Bank Platinum Credit Card
Ways to earn handpicked rewards Everyday Shopping - Using your ICICI Bank credit cards for your daily shopping requirements like grocery, online shopping, and even dining can earn accelerated handpicked rewards points. High-Value Purchases Purchase high-value items like jewellery and use your ICICI Bank credit card for paying the same. Similarly, use the ICICI Bank credit card to pay for your hotel and travel booking. International Travel - Use your ICICI Bank credit card at overseas locations when travelling abroad. Automatic Bill Pay - Pay your utility bills like electricity, gas, phone, and water bills using the ICICI Bank credit card to earn handpicked rewards points. Supplementary Cards - Two family members aged more than 18 years are eligible to receive the additional cards and use them to earn rewards faster.
Handpicked Rewards - At a glance
Product	Description of the rewards	Code to use	Points to be redeemed
InterMiles	200 InterMiles	JP0003	300
Amazon	Gift voucher worth 1,000	SR5021	1,500
Arrow	Gift voucher worth 500	HR1001	620
Zodiac	Gift voucher worth 500	HR1002	650
Give India	Annamrita Midday Meal for five school children in a year worth 1,100 through Annamrita -ISKCON Food Relief Foundation	SR5011	1,600
Give India	Donating a set of spectacles worth 550 to two patients through Sankara Nethralaya	SR5012	800
Give India	Medical support to underprivileged mothers and babies worth 550 through the Foundation of Mother and Child	SR5023	800
Give India	Support farmers in agriculture and education of their kids worth 1,100 through Manuvikasa	SR5024	1,600
Give India	Support elderly destitute women worth 550 through Maitri India	SR5025	800
Give India	Support education of a tribal child for a year worth 1,100 through Kalinga Institute of Social Sciences	SR5026	1,600
Graphite	Premium men's leather wallet	AC5003	1,120
FabIndia	Gift voucher worth 1,000	SR3593	1,250
Flipkart	Gift voucher worth 1,000	SR5009	1,450
Lifestyle	Gift voucher worth 1,000	SR3587	1,250
Mainland China	Dining voucher 1,000	SR3507	1,250
Nike	Gift voucher for 1,000	SR3504	1,250
Tanishq	Voucher for 5,000	HR1228	7,000
Shoppers Stop	Gift voucher - 1,000	SR3510	1,250
Westside	Gift voucher worth 1,000	SR3580	1,250
Croma	Gift Voucher for 1,000	HR1056	1,300
Pizza Hut	Gift voucher - 1,000	HR1015	1,300
Hidesign	Gift voucher worth 1,000	AC6027	1,500
GUESS	EDP Spray 75ml	HR1059	4,000
Genesis La Mode	Voucher - 10,000	HR1220	15,500
MakeMyTrip	Voucher - 5,000	SR5027	7,250
MakeMyTrip	Voucher for 10,000	SR5028	14,500
Yatra	Voucher - 10,000	SR5029	14,500
BookMyShow	Gift Voucher - 1,000	SR5030	1,400
Big Basket	Gift voucher - 1,000	SR5031	1,400
Central	Gift Voucher - 1,001	SR5032	1,400
Bata	Gift Voucher - 1,000	SR5033	1,400
Big Bazaar	Gift Voucher - 1,000	SR5034	1,400
Baskin Robbins	Gift Voucher - 500	SR5035	700
Titan	Gift Voucher - 1,000	SR5036	1,400
How to redeem rewards points Redeem your rewards points online Through Internet banking Login to your ICICI Bank internet banking portal Proceed to the Credit Cards page and click on the Rewards Points section Click on 'Redeem Online' Use the dropdown menu for selecting your preferred item Note down the unique ID number for future reference With a Phone Call Call the 24-hour customer care centre in your city and seek the assistance of the customer service representative. Specify the item code of the reward you want to redeem. Note down the unique ID number. It should take a minimum of ten working days for the receipt of your gifts.

ICICI Bank Credit Card - Charges

Credit Card Product	Joining fee	Annual fee 1^st year	Annual fee 2^nd year	Supplementary Card fee	Minimum spending for a waiver
Sapphiro	6,500	-	3,500	-	Six lakhs
Sapphiro Visa	6,000	-	3,500	-	Six lakhs
Signature	25,000	-	2,000	-	NA
British Airways Premium	-	7,000	7,000	-	NA
British Airways Classic	-	3,500	3,500	-	NA
Rubyx	3,000	-	2,000	-	Three lakhs
Rubyx Visa	3,000	-	2,000	-	Three lakhs
InterMiles Sapphiro American Express	5,000	-	5,000	250	NA
InterMiles Sapphiro Visa	5,000	-	5,000	250	NA
InterMiles Rubyx American Express	2,500	-	2,500	250	NA
InterMiles Rubyx Visa	2,500	-	2,500	250	NA
InterMiles Coral American Express	1,250	-	1,250	250	NA
InterMiles Coral Visa	1,250	-	1,250	250	NA
Ferrari Signature	3,999	-	999	-	2.50 lakhs
Ferrari Platinum	499	-	499	-	1.25 lakhs
Ascent American Express	4,000	-	1,000	-	NA
Platinum Identity	2,000	-	750	-	NA
Coral	500	-	500	-	1.50 lakhs
Coral American Express	500	-	500	-	1.50 lakhs
Carbon	1,000	-	-	-	NA
HPCL Co-branded cards	199	-	199	-	50,000
Platinum Chip	199	-	99	-	50,000
MU Signature	2,499	-	2,499	100	2.50 lakhs
MU Platinum	499	-	499	100	1.25 lakhs
Unifare	299	-	299	299	50,000
Coral Fixed Deposits	500	-	500	-	NA
Instant Platinum	-	-	-	-	NA
MakeMyTrip Platinum	500	-	-	250	NA
MakeMyTrip Signature	2,500	-	-	250	NA
Expressions	499	-	499	199	1.50 lakhs

Finance Charges

ICICI Bank Card Variant	Overdue interest Monthly	Interest on Cash Advance monthly
MU Credit Cards	3.67%	3.67%
InterMiles and MakeMyTrip Cards	3.50%	3.50%
Instant Platinum, Instant Gold, and Fixed Deposit Interest Card	2.49%	2.49%
All other credit card variants	3.40%	3.40%

Other Fees

InterMiles Capping Fee	7,500
Duplicate Statement - More than three months old	100
Card Replacement	100 199 for Expression Credit Card
Cheque/Cash Pick Up	100 per instance
Charge Slip request	100 per slip
Foreign Currency Mark-up	3.50%
Cash Advance - transaction fee	2.50% of the advance amount with a minimum of 300 On Easy Deposit Card - Nil at ICICI Bank ATMs On Cash Card - 151
Redemption Handling fee	Handpicked rewards - 99 ICICI Bank Rewards - 99 ICICI PAYBACK Rewards - 99 for catalogue-based redemptions and 25 for online and in-store redemptions
Dial-a-draft - transaction fee	3% with a minimum of 300
Late payment charges	Less than 100 - No charges 100 to 500 - 100 501 to 10,000 - 500 More than 10,000 - 750
Over limit charges	2.50%
Cheque Return charges	2% with a minimum of 450
Auto-debit bounce charges	2% with a minimum of 450
Cash payment at branches	100
Outstation cheque collection	1% with a minimum of 100
Railway Booking Surcharge	Internet Booking - 1.80% Other bookings - 2.50%
Fuel Surcharge	1% or 10 whichever is higher Waiver available for transactions at HPCL pumps for a maximum transaction of 4,000

Additional Reading: CIBIL Score Calculation

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ICICI Bank Credit Card Rewards Points FAQs

How do I check my ICICI Bank reward points balance?

There are various ways to check your rewards points balance and summary.

Internet Banking - Login to internet banking using your username and password. Proceed to Exclusive Offerings and click on the Reward Points Option. Select the View Rewards option and submit your request to get your points balance as on that day.
I-Mobile - Login to your ICICI Bank mobile application and proceed to Smart keys and services. Under the Account services heading, you find the option, 'Rewards Points.'
SMS - Use your registered mobile number with the bank to send the SMS. Type "DCPBAL" Last four digits of your ICICI Bank account number to 9212146468.

How do I earn my ICICI Bank reward points?

Use your ICICI Bank credit card for your regular shopping and other activities. The points automatically accrue to your account. The more you spend on the card, the higher is the points you earn. ICICI Bank offers add-on cards to the immediate members of your family. They can also pay on their cards to accumulate your reward points.

When do the points reflect in my account?

Usually, it should take 24 to 48 hours for the updating of the reward points in your account. You get a summary of the points you have earned along with your credit card bill/statement.

Should I have to enrol for the ICICI Credit Cards rewards points programme separately?

No, all eligible credit cardholders automatically qualify for the rewards points programme. You do not have to enrol separately.

How long does it take for ICICI Bank to process the redemption request?

If you redeem your rewards points for gift vouchers, you get them immediately into your email account. If you order your gifts, it will take a minimum of 10 working days for the delivery of the gifts at your communication address.

What will happen if ICICI Bank is unable to deliver the gifts?

ICICI Bank used reputed courier agencies for delivering gifts. These agencies will try every method in the book to locate you. If they are unable to do so, after repeated attempts, ICICI Bank will cancel the redemption request and credit the reward points back to your account.

What is the better option, a gift voucher or a gift from the catalogue?

Usually, a gift voucher is better because it offers you an extended range. For example, an Amazon or Flipkart gift voucher entitles you to choose your product from the massive range of merchandise available on these ecommerce websites. This option is not available when you select your specific gift from the catalogue

Do my reward points expire?

It depends on the type of credit card you use. Some of the reward points do not have any expiry date, whereas others expire after two years. However, you get notifications over SMS and email about the status of expiry of your gift points. Accordingly, you can redeem them.

How do I determine the status of the gifts I have ordered?

You can call the ICICI Bank Customer Care centre on 1860-120-7777 between 7 am and 9 pm any day from your registered mobile number. You have to inform your unique reference ID to know the status of the delivery of the gifts.

Is there any option to change the item I have ordered?

No, there is no option to change the item after you have ordered for the same.

Additional Reading: CIBIL score check free online by pan number

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