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ICICI Bank Credit Card Eligibility & Documents

ICICI bank credit card eligibility is dependent upon a number of factors. Owning a credit card entitles you to make cashless payments. ICICI Bank credit cards bring with them a number of benefits but in order to avail of them, you must first understand whether or not you meet the eligibility requirements that the bank stipulates. Among some of the criteria of general eligibility that you must fulfil are the ICICI credit card eligibility minimum salary requirement and a credit score. The table below shows some general eligibility criteria pertaining to ICICI Bank credit cards:

Eligibility Factors



21 years


Rs. 15,000 per month

Credit Score

650 0r more

ITR Duration

1 year (self-employed)

ITR Amount

Rs. 2,50,000 (self-employed)

ICICI Credit Card Eligibility Criteria

If you are a new applicant and wish to apply for an ICICI Bank credit card, you will have to fulfil certain criteria before you apply. Depending on whether you are a self-employed or salaried individual, the criteria for credit card eligibility will vary accordingly. Furthermore, it should be noted that when you are successful in meeting eligibility criteria, you will also have to furnish the documents required for an ICICI credit card. Nonetheless, here is the criteria to get an ICICI Bank credit card, based on your occupational status:

  • Eligibility Criteria: Salaried Individuals - The eligibility criteria to meet if you are a salaried individual are the following:

  1. Your minimum age should be 21 years

  2. Your maximum age should be 58 years

  3. Your minimum months of banking should be 6 months

  • Eligibility Criteria: Self-employed Individuals - If you are a self-employed individual, you must make sure you fulfil the criteria mentioned below:

  1. Your minimum age should be 23 years

  2. Your maximum age should be 58 years

  3. You have to exhibit your Income Tax Returns for the past 12 months

  4. Your ITR (Income Tax Return) Amount should be Rs. 2,50,000

  5. Your minimum banking months should be 6 months

As you can see, the criteria for an ICICI credit card differs for individuals with different occupations. However, an income requirement is a common factor, and depending on the card you opt for, you will discover that various ICICI Bank credit cards have a range of criteria for income, based on the type of card from ICICI Bank. Here are some of the top ICICI credit cards, shown in the table below, with their differing eligibility criteria relating to income:

ICICI Bank Credit Cards

Income Eligibility for Salaried Individuals

Income Eligibility for Self-employed Individuals

ICICI Bank Coral Card

Rs. 20,000 per month

Rs. 50,000 per month

ICICI Bank Rubyx Card

Rs. 50,000 per month

Rs. 75,000 per month

ICICI Bank Sapphiro Card

Rs. 80,000 per month

Rs. 83,000 per month

ICICI Platinum Chip Card

Rs. 15,001 per month

Rs. 50,000 per month

MakeMyTrip ICICI Bank Platinum Card

Rs. 15,000 per month

Rs. 50,000 per month

MakeMyTrip ICICI Bank Signature Card

Rs. 35,000 per month

Rs. 75,000 per month

Manchester United Platinum Card

Rs. 15,000 per month

Rs. 50,000 per month

Manchester United Signature Card

Rs. 35,000 per month

Rs. 75,000 per month

ICICI Bank Credit Card Documents Required

ICICI Bank credit card documents required include the following:

  • KYC Documents – These can be in the form of a passport, driving licence, voter ID card and so on.

  • Permanent Account Number – You must provide your PAN card. In the event that you can’t, you must submit Form 60.

  • Proof of Income – This could be in the form of a salary slip and income tax returns.

  • Statements – You must provide your bank and/ or credit card statement.

Factors Affecting Your Eligibility Criteria for an ICICI Credit Card

Your eligibility for an ICICI credit card is affected by a number of factors some of which have been mentioned below.

  • Your age – This serves as one of the primary factors that determine whether or not you are eligible to avail of an ICICI Bank credit card. It also indicates your ability to repay your credit card dues and to what extent.

  • ICICI credit card salary eligibility – Your income or salary indicates the likelihood of your application being approved. Your chances of being approved are greater if you have a high monthly income.

  • 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 and thereby raises your creditworthiness.

  • Your existing banking relationship - Obtaining an ICICI credit card without income proof is not possible, and Individuals who are existing ICICI Bank customers or who have had a prior banking relationship with ICICI Bank, have a good chance of obtaining credit card approval. In case you are a brand new customer, eligibility criteria for income is kept higher than it is for an existing customer.

  • Work Experience - Individuals who can display a history of maintaining a steady job find it easy to get credit cards issued.

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✔️How can I check my ICICI Bank Credit Card eligibility?

In order to check your eligibility for an ICICI Bank credit card make sure you fall between the age of 21-58 years in case you earn a salary. If you are self-employed you must be at least 23 years old. Your minimum salary must amount to Rs. 12,000 a month. A credit score of 650 and above along with no defaults on payments is needed. Income tax returns are needed for those who are self-employed. Appropriate documentation is also needed.

✔️Who can apply for an ICICI Credit Card?

Should you be a salaried individual you must fall between the ages of 21 and 58. If you are self-employed the minimum age range is 23 and the maximum age is 58. You must earn a minimum salary of Rs. 12,000 a month. Self-employed individuals must earn a minimum of INR 2.5 Lakhs each year.

✔️What documents are required for an ICICI Credit Card?

Documents needed include proof of age, proof of address, and proof of income. In case you are already a customer at ICICI Bank, the documents required may vary.

✔️What is the minimum salary to apply for a credit card in ICICI Bank?

In order to be eligible for a credit card at ICICI Bank, you must have a minimum annual salary of Rs. 2.5 Lakhs as a self-employed individual. Salaried people must earn at least RS. 12,000 each month.