ICICI Credit Cards

For a quick and convenient option, you can visit your nearest ICICI Bank Branch to apply for an Insta Credit Card, swiftly issued against the opening of a Fixed Deposit and handed over instantly at the counter.

By following regular usage and timely payments, you can not only maintain a positive credit track record but also enjoy the added benefit of competitive interest rates on the associated Fixed Deposit.

With ICICI credit cards, users can enjoy financial flexibility, attractive rewards, and a secure avenue for building and strengthening their credit profile. Let’s find out more about these cards.

Key Features and Benefits of ICICI Credit Cards

Listed below are the salient features and benefits of ICICI credit cards -

• Get Cash at Any Time - With a large number of ATMs across the country, you can seamlessly withdraw cash at any point.
• Contactless Payment Option - You can instantly make payments by tapping the credit card on a cashier’s POS terminal that supports contactless payments.
• Easy Bill Payments - With the autopay feature, you will never miss out on credit card bill payments! To activate this feature, simply register your ICICI credit card on the net banking portal.
• Scan and Pay - ICICI allows access to the Scan and Pay feature to make the payment process smoother and hassle-free. For this, link your ICICI credit card with your UPI app and scan the QR code to make payments immediately.

Top ICICI Credit Cards

Tabled below are the top ICICI credit cards -

Credit Card	Features and Benefits	Apply
Platinum Chip Credit Card	No joining charges or annual fees No charges for supplementary cards 1% of the fuel surcharge waiver at HPCL petrol pumps	Apply Now
Rubyx Credit Card	Get welcome vouchers worth more than INR 5,000 Get 25% off (up to INR 150) on cinema tickets on BookMyShow and Inox, twice a month 2 complimentary rounds at golf course every month Get air accident insurance of INR 1 crore and lost card liability of INR 50,000	Apply Now
Manchester United Platinum Credit Card	Get complimentary Manchester United Branded Football as a welcome gift Get up to 25% off — up to INR 100 discount — on select cinema ticket providers  1% off on fuel surcharges (valid for a spend of up to INR 4,000 per transaction) at all HPCL petrol pumps 1 complimentary airport lounge access per quarter Up to 3 reward points per INR 100 spent	Apply Now
Chennai Super Kings Credit Card	Welcome and renewal gift of 2,000 ICICI Bank Reward Points Top spenders of the month get a marquee player’s autographed memorabilia Get up to 25% off (up to INR 100 discount) on a minimum purchase of 2 movie tickets per transaction on BookMyShow and Inox. Note that this offer is valid only twice a month. Joining fee of INR 500 + GST	Apply Now
MakeMyTrip ICICI Bank Signature Credit Card	Joining charges of INR 2,500 + GST  No annual charges Get INR 1,500 as My Cash along with free MMTBLACK exclusive membership MakeMyTrip holiday voucher worth INR 2,500 at the time of joining Complimentary access to international and domestic airport lounges as well as access to domestic railway lounge  Get exclusive MMT cabs benefits	Apply Now
HPCL Coral Credit Card	Avail of 2 ICICI Bank Reward Points on every INR 100 spent on retail purchases other than fuel.  Get a cashback of 2.5% and save on fuel surcharges for up to 1% at HPCL petrol pumps.  Get 25% off on cinema ticket bookings for up to INR 100 per transaction.	Apply Now
Emirates Credit Cards	Earn Skywards Miles on spends Get complimentary access to airport lounges and spa sessions	Apply Now
Coral Credit Card	Enjoy 25% off (up to INR 100) on cinema tickets on BookMyShow and Inox twice per month Get 1% waiver on fuel surcharge at HPCL petrol pumps 1 complimentary railway and domestic airport lounge access per quarter	Apply Now
Sapphiro Credit Card	Welcome vouchers of over INR 9,000 2 complimentary international airport lounge access per year Buy 1 cinema ticket and get INR 500 off on 2nd ticket on BookMyShow twice a month 4 free domestic airport lounge access per quarter — subject to spending of at least INR 5,000 in the quarter period	Apply Now
Manchester United Signature Credit Card	Get a welcome gift of Manchester United Football and Holdball Get up to 25% off (up to INR 150) on select movie ticket retailers Up to 5 reward points per INR 100 spent 2 complimentary airport lounge access per quarter	Apply Now
MakeMyTrip ICICI Bank Platinum Credit Card	Joining fee of INR 500 + GST INR 500 My Cash along with a MakeMyTrip holiday voucher worth INR 3,000 as a welcome bonus 1 complimentary airport lounge access per quarter and 1 free railway lounge access	Apply Now
Expressions Card	Get 3 reward points per INR 100 spent on retail purchases other than fuel Get 25% off — up to INR 100 — on purchasing at least 2 tickets, twice a month, via bookmyshow.com	Apply Now
HPCL Super Saver Credit Card	Earn 5% cashback on fuel spends at HPCL petrol pumps Get round-the-clock roadside assistance services  Get 5% back on utility, grocery, and daily spends	Apply Now
Accelero Credit Card	Get 2 ICICI bank reward points on every INR 100 spent for retail purchases other than fuel Get 2.5% cashback on fuel purchases at HPCL petrol pumps Free round-the-clock roadside assistance with free key car parts 1 complimentary airport lounge access per quarter upon spending INR 5,000 in the previous calendar quarter	Apply Now
Amazon Pay ICICI Credit Card	No joining fee or annual charges 1 reward point is equivalent to INR 1  No limit or expiry date on the rewards earned when using this card Get a 1% waiver on fuel payments every time you refuel	Apply Now
ICICI Bank HPCL Super Saver RuPay Credit Card	Get up to 25% off (with a cap of INR 100) on purchase of at least 2 movie tickets per transaction Get access to domestic airport lounges Get 5% cashback on fuel per month Earn 1.5% cash back on reward points via HP Pay app	Apply Now
Parakram Credit Card	1 ICICI Bank Reward Point per INR 100 on all categories 5 x ICICI Bank Reward Points on expenditures related to grocery, department stores, and canteens	Apply Now

ICICI Credit Card Fees and Charges

Here are the interest rates applicable to the top ICICI credit cards -

	Credit Card	Monthly	Annual	Apply
Overdue Interest Rate	ICICI Bank Instant Platinum Credit Card/ICICI Bank Instant Gold Credit Card/Fixed Deposit Instant Credit Card	2.49%	29.88%	View Offers
	ICICI Bank Coral Credit Card	3.4%	40.8%	View Offers
	ICICI Bank Sapphiro Credit Card	3.4%	40.8%	View Offers
	ICICI Bank MakeMyTrip Signature Credit Card	3.5%	42%	View Offers
	ICICI Bank Manchester United Signature Credit Card	3.67%	44%	View Offers
	ICICI Bank HPCL Super Saver Credit Card	3.5%	42%	View Offers
	ICICI Bank Mine Credit Card	3.4%	40.8%	View Offers
	InterMiles ICICI Bank Credit Cards	3.5%	42%	View Offers
	ICICI Bank Rubyx Credit Card	3.4%	40.8%	View Offers
	ICICI Bank MakeMyTrip Platinum Credit Card	3.5%	42%	View Offers
	ICICI Bank Manchester United Platinum Credit Card	3.67%	44%	View Offers
	ICICI Bank HPCL Coral Credit Card	3.4%	40.8%	View Offers
	ICICI Bank Accelero Credit Card	3.4%	40.8%	View Offers
	ICICI Bank Expressions Credit Card	3.4%	40.8%	View Offers

ICICI Credit Card Eligibility Criteria

Mentioned below are the eligibility criteria for ICICI credit cards -

• Minimum Age – 21 years
• Minimum Annual Income 
  • For ICICI Bank Salaried Employee: INR 2,40,000 
  • For Non-ICICI Bank Salaried Employee: INR 3,60,000
  • For Self-Employed Individuals Holding Savings Account with ICICI Bank: INR 3,60,000 (ITR)
  • Self-Employed Individual but not Holding Savings Account with ICICI Bank: INR 4,80,000 (ITR)

Things to Know Before Securely Applying for ICICI Credit Card

When applying for an ICICI credit card, keep in mind the following points -

• Select an appropriate card - Different credit cards cater to various needs — it’s crucial to choose a card that specifically matches your requirements. Take into account factors like the interest rate, annual fees, reward points, and cashback offers when choosing a card.
• Comprehend the billing cycle - The billing cycle refers to the span between two statement dates. Understanding the billing cycle is vital to prevent late payment charges and interest fees.
• Ensure timely bill payments - Timely payments are crucial if you wish to maintain a positive credit score and avoid late payment charges and interest fees.
• Refrain from reaching your credit limit - It's recommended not to utilise your entire credit limit. Generally, exceeding 30% of your credit limit can have adverse effects on your credit score.
• Monitor your expenditures - Keeping tabs on your expenses is essential to prevent overspending and ensure timely bill payments.

Check out some frequently asked questions about ICICI credit cards in the next section.

Frequently Asked Questions