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Check out the benefits of ICICI Bank premium credit cards 2026 and their eligibility. Explore the steps to apply for these cards online and offline at your convenience.
Looking for the best ICICI Bank premium credit cards? ICICI Bank offers a range of premium and super-premium credit cards designed for travel, lifestyle, dining, and luxury benefits. These cards provide airport lounge access, reward points, concierge services, and exclusive privileges.
These cards are designed for high-income individuals who want luxury benefits and premium lifestyle perks.
| Card Name | Joining Fee | Annual Fee | Forex Markup | Finance Charges | Late Payment Fee |
|---|---|---|---|---|---|
| ICICI Emeralde Private Metal | ₹12,499 + GST | ₹12,499 + GST | 2% | 3.75% per month | Nil |
| ICICI Emeralde | ₹12,000 + GST | ₹12,000 + GST | 2% | 3.75% per month | Up to ₹1,300 |
| ICICI Sapphiro | ₹6,500 + GST | ₹3,500 + GST | 3.5% | 3.75% per month | Up to ₹1,300 |
| ICICI Rubyx | ₹3,000 + GST | ₹2,000 + GST | 3.5% | 3.40% per month | Up to ₹1,300 |
| ICICI Coral | ₹500 + GST | ₹500 + GST | 3.5% | 3.75% per month | ₹100 – ₹1,300 |
Key Features
Benefits
Key Features
Benefits
Key Features
Benefits
Key Features
Benefits
Key Features
Benefits
| Card Name | Annual Fee | Airport Lounge Access | Reward Rate | Golf Benefits | Movie / Dining Offers | Best For |
|---|---|---|---|---|---|---|
| ICICI Emeralde Private Metal | ₹12,499 + GST | Unlimited Domestic & International | High Reward Points | Complimentary Rounds | Premium Dining & Concierge | Luxury Lifestyle |
| ICICI Emeralde | ₹12,000 + GST | Unlimited Domestic + International | 4 Reward Points / ₹100 | Yes | Dining Discounts | Frequent Travelers |
| ICICI Sapphiro | ₹3,500 + GST | Domestic + Limited International | 2–4 Reward Points / ₹100 | Limited | Movie Tickets & Dining | All-round Premium |
| ICICI Rubyx | ₹2,000 + GST | Domestic Lounge Access | 2 Reward Points / ₹100 | No | Dining & Entertainment | Entry Premium |
| ICICI Coral | ₹500 + GST | Limited Domestic | 2 Reward Points / ₹100 | No | Movie Offers | Beginner Premium |
Disclaimer: The details mentioned above may change as per the policies of the issuer. Check them before you apply.
| Criteria Type | Requirement |
|---|---|
| Employment | Salaried or Self-Employed |
| Age (Salaried) | 21 to 58 years |
| Age (Self-Employed) | Up to 65 years |
| Annual Income (Salary Account with ICICI) | Minimum ₹2.4 lakh |
| Annual Income (Non-ICICI Salary Account) | Minimum ₹3.6 lakh |
| Annual Income (Savings Account with ICICI) | Minimum ₹3.6 lakh |
| Annual Income (Non-ICICI Savings Account) | Minimum ₹4.8 lakh |
To get a premium credit card from ICICI Bank, you must fulfil some age, income, and employment requirements. However, some instant credit cards require additional eligibility, detailed below.
Employment: You can either be salaried or self-employed
Age: If you are salaried, your age must be 21-58 years, and up to 65 years if you are self-employed
Annual Income (Salary Account): If you have a salary account with ICICI Bank, you must have an annual income of ₹2.4 Lakhs, otherwise ₹3.6 Lakhs
Annual Income (Savings Account): If you have a savings account with ICICI Bank, you must have an annual income of ₹3.6 Lakhs, otherwise ₹4.8 Lakhs
For some instant credit cards from ICICI Bank, you must pass additional eligibility criteria, including:
A valid Fixed Deposit (FD) with ICICI Bank
The minimum FD amount to be ₹50,000
The minimum tenure of the FD has to be 180 days
To get an ICICI Bank premium card, you must provide some KYC documents and income proof. These include:
KYC Documents: Passport, Aadhar card, PAN Card, voter ID, driving licence
Address Proof: Utility bills, Aadhar card, passport
Income Proof: Salary slips, bank statement
PAN Card or Form-60
Recent passport-sized photograph(s)
You can apply for an ICICI Bank premium credit card online or offline. Follow the given steps for the website, i-Mobile app, and physical visit to apply hassle-free.
i-Mobile App
Download the official ICICI Bank i-Mobile app from the Play Store or Apple Store
Login using your credentials
Go to the ‘Offers’ section
Select your preferred credit card from various cards
Verify pre-filled details and provide the remaining details
Accept the terms and conditions
Enter the OTP received on your mobile number
Your card will be processed
ICICI Bank Official Website/Net Banking
Login to your Internet banking account on the official ICICI Bank website
Choose a credit card from various cards
Click on ’Apply Now’
You will be redirected to the application page
Fill out the application form and attach the required documents
Submit the application and wait for approval
Physical Bank Branch Visit
Visit your nearest ICICI Bank branch
Communicate with the representative and know more about credit card offers
Full out the application form and submit the required documents
After verification, you will receive a status update, and your card will be delivered to your address
ICICI Bank offers several premium credit cards, which include the following:
Times Black ICICI Bank Credit Card
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank Emeralde Credit Card
ICICI Bank Sapphiro Credit Card
Adani One ICICI Bank Signature Credit Card
Yes, the ICICI Bank Sapphiro Credit Card is a premium offering. It provides exclusive benefits such as complimentary access to airport lounges, priority pass membership, and brand vouchers. The card comes with a joining fee of ₹6,500 and an annual fee of ₹3,500 from the second year, as the first year's annual fee is NIL.
The ICICI Bank Platinum Chip Credit Card offers benefits like payback rewards, fuel surcharge waivers, and anti-fraud protection. It features contactless technology and comes with no joining or annual fees.
The ICICI Bank Emeralde Private Metal Credit Card is by invitation only. To obtain this card, you need to contact your Relationship Manager for more details.
The credit limit on a card typically depends on the salary or income of the borrower. However, ICICI Bank provides premium credit cards with higher limits, such as the Times Black ICICI Bank Credit Card, Emeralde Private Metal Credit Card, and Platinum Chip Credit Card.
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