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✓ Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card from ICICI Bank now!

ICICI Bank Credit Card Eligibility & Documents

ICICI Bank credit cards offer several benefits and features that help you to address your personal and professional needs. These benefits become accessible once your credit card application is approved. However, to be approved for an ICICI Bank credit card, you must meet the eligibility criteria set by the bank. While the eligibility parameters vary depending on the type of ICICI Bank credit card, you must fulfil certain general eligibility criteria. Read on to know some of the general ICICI Bank credit card eligibility criteria:

  • Nationality: You must be a resident of India

  • Age: You must be at least 18 years old

  • Income: Your annual income must be ₹2.5 Lakhs per annum

  • Credit Score: You must have a credit score of 750 or above

Documents Required for ICICI Bank Credit Card

Following is a list of documents you must submit during the ICICI Bank credit card application process. 

  • Proof of Address: Aadhaar card, passport, utility bills for 3 months, any other government-approved ID proof

  • Proof of Identity: Voter’s ID, PAN card, Aadhaar card, passport, driving licence, etc.

  • Proof of Income: Salary slip, bank statement, ITR, Form 16, etc.

ICICI Credit Card Eligibility Criteria for Salaried Professionals

The eligibility criteria for a salaried individual are the following:

  • Age: Your age must range between 21 and 58 years

  • Minimum Banking Months: Your minimum banking period should be 6 months

ICICI Credit Card Eligibility Criteria for Self-Employed Professionals

If you are a self-employed individual, you must fulfil the criteria mentioned below:

  • Age: Your age must range between 21 years and 65 years

  • ITR Months & Amount: You must show your Income Tax Returns for the past 12 months. Your ITR (Income Tax Return) amount should be ₹2.5 Lakhs

  • Minimum Banking Months: Your minimum banking period should be 6 months.

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 to avail 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.

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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 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 23 and 65 years.

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

To be eligible for an ICICI Bank credit card, you must have a minimum annual income of ₹2.5 lakh.

✔️How can I get a ICICI Bank credit card without income proof?

If you cannot submit an income proof, you can avail 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 to apply for an ICICI Bank credit card?

The minimum CIBIL score to apply for an ICICI Bank credit card is 750.