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As one of the leading private sector banks in India, ICICI Bank offers a range of credit cards that benefit varied needs of their customers. From co-branded shopping and lifestyle cards to travel and fuel cards, ICICI Bank Credit Cards are available in several use-specific variants. These credit cards bring a range of rewards, cashbacks, lifestyle, fuel, and dining benefits. However, to enjoy these, you must meet the ICICI Credit Card eligibility checklist that’s set for each card.

 

While the eligibility parameters for each ICICI Bank Credit Card varies, all require a good CIBIL score and regular monthly income. Here’s a common checklist of ICICI Bank Credit Card eligibility criteria applicable across all credit card variants: 

  • You should be a citizen of India.

  • You should be at least 21 years of age.

  • You should have a regular source of income with a minimum annual income of ₹2.4 Lakhs.

  • You should meet the minimum income requirement set by the bank.

  • You should have a good repayment history and a CIBIL score of 750 or above.

Documents Required to apply for an ICICI Bank Credit Card

Here’s a list of documents required to apply for an ICICI Bank credit card: 

  • KYC documents like Aadhaar Card, voter’s ID, passport, driver’s license, etc. 

  • Address proof (utility bills, passport, voter’s ID, etc.)

  • PAN Card or Form 60 (if PAN Card is unavailable).

  • Income proof documents like salary slips, Form 16, ITR records. 

  • Bank statements of the last six months. 

ICICI Bank Credit Card Eligibility Criteria

Salaried employees, self-employed professionals, and businessmen are eligible for ICICI Bank Credit Cards. Here’s a list of eligibility parameters they must meet:

1. Salaried Professionals

As a salaried employee, you can qualify for an ICICI Bank Credit Card if:

  • You are 21-58 years old.

  • You are an existing ICICI Bank salaried customer with a minimum annual salary of ₹2.40 Lakhs.

  • You are a non-ICICI Bank salaried customer with a minimum annual salary of ₹3.60 Lakhs. 

  • You have a CIBIL score of 750 or above. 

2. Self-Employed Professionals

As a self-employed individual, you can meet the ICICI Bank eligibility checklist if:

  • You are 21-65 years old.

  • You are an existing ICICI Bank savings account holder with an annual income of ₹3.60 Lakhs.

  • You are a non-ICICI Bank self-employed applicant with an annual income of ₹4.80 Lakhs. 

  • You have a CIBIL score of 750 or above. 

Factors Affecting Your ICICI Bank Credit Card Eligibility Criteria

The eligibility for an ICICI Bank credit card is affected by a number of factors. These are:

  • Age: This serves as one of the primary factors that determine your eligibility for an ICICI Bank Credit Card. 

  • Income: Your income or salary indicates the likelihood of your application being approved/rejected. If you have a high monthly income, you can easily meet the ICICI Bank Credit Card salary eligibility parameters.

  • Credit Score: Your credit history indicates your ability to manage credit allocated to you. If you have a high credit score, it indicates that you have a responsible attitude towards your credit, which attests to your creditworthiness.

  • Your Existing Relationship with the Bank: If you are an existing customer or have had a prior banking relationship with ICICI Bank, you have a good chance of obtaining credit card approval. In case you are a new customer, you might have to show a higher income than that of an existing customer.

  • Work Experience: If you can display a history of maintaining a steady job, you can find it easy to get credit cards issued.

  • Existing Debt: When you apply for a credit card, you essentially take on debt. Therefore, when you submit a credit card application, the credit card issuing company will check if you have other obligations and assess if you can handle another debt as well. If your existing debts cross the permissible limit, then it might lower the chances of getting an ICICI Bank credit card approval.

Eligibility Requirements for Some of the Top ICICI Bank Credit Cards

The ICICI Bank credit card eligibility criteria differ from one card to the other. Each credit card has its own terms and conditions, and you must read the fine print carefully before starting the application process. To help you identify the ideal credit card and boost your chances of approval, we highlight the basic income requirements for the top ICICI Bank credit cards.

Credit Card Variant

Minimum Income Requirement for Salaried Employees

Minimum Income Requirement for Self-Employed Individuals

Amazon Pay ICICI Bank Credit Card

  • ₹25,000 for ICICI Bank customers

  • ₹35,000 for other applicants

  • ₹25,000 for ICICI Bank customers

  • ₹35,000 for other applicants

ICICI Bank Rubyx Credit Card

₹50,000 per month (₹6 Lakhs per annum)

₹75,000 per month (₹9 Lakhs per annum)

ICICI Bank Sapphiro Credit Card

₹80,000 per month (around ₹10 Lakhs per annum)

₹83,333 per month (₹10 Lakhs per annum)

ICICI Bank Emeralde Credit Card

₹3 Lakhs per month

Annual ITR greater than ₹30 Lakhs

FAQs on ICICI Bank Credit Card Eligibility & Documents

How can I check my ICICI Bank Credit Card eligibility?

You can check ICICI Bank Credit Card eligibility by visiting the bank’s official website. However, you can check the eligibility of different ICICI Bank Credit Cards by clicking on the product-specific webpage.

Who can apply for an ICICI Bank Credit Card?

Both salaried individuals and self-employed individuals can apply for an ICICI Bank Credit Card. Salaried individuals must fall in the age bracket of 21 and 58 years. On the other hand, if you are self-employed, your age must range between 21 and 65 years.

What is the minimum salary required for a credit card with ICICI Bank?

To be eligible for an ICICI Bank Credit Card, a minimum annual income of ₹2.40 Lakhs is mandatory.

Can I apply for an ICICI Bank Credit Card without income proof?

If you cannot submit an income proof, you can avail of an ICICI Bank Credit Card against Fixed Deposit (FD). You can get a credit limit up to 85% of your FD limit on such cards.

Can I apply for an ICICI Bank Credit Card without a salary slip?

You can apply for an ICICI Bank Credit Card without a salary slip. However, you must submit Income Tax Return documents.

Will ICICI Bank conduct a credit check before processing my application for a credit card?

Yes, ICICI Bank will conduct a credit check before processing your application for a credit card. Checking the applicant’s credit report is part of the credit card approval process.

My ICICI Bank Credit Card application was denied thrice. What might be the reason for this?

The possible reasons for ICICI Bank Credit Card application rejection may include low credit score, low annual income, a huge amount of existing debt, etc.

What is the maximum credit limit of an ICICI Bank credit card?

The maximum credit limit of an ICICI Bank credit card depends on your income and repayment history and can vary from one credit card to another and applicant to applicant.

What is the minimum CIBIL score requirement for an ICICI Bank Credit Card?

Individuals with a CIBIL score of 650 or below may not get through the application process. A higher score (750 or above) ensures a better deal with the credit provider.

What is the minimum salary requirement to obtain an ICICI Bank credit card?

To apply for an entry-level ICICI Bank credit card, you must earn at least ₹15,000 per month. Furthermore, the minimum income requirement differs from one card to another, and you must read the terms and conditions carefully before applying for a credit card.

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