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ICICI Bank Credit Card

ICICI Bank is the second-largest private sector bank in India. In 1998, ICICI bank was the first to introduce internet banking in India. There are many options to choose from as the bank offers different types of credit cards that give you benefits when you dine out, book movie tickets, go shopping, or make travel reservations. You can select your ICICI bank credit card based on your requirements. With ICICI bank credit cards, you also enjoy extra benefits and perks and save more. In this article, we explore the different types of ICICI bank credit cards and how you can choose an ICICI credit card suitable for you.

Top ICICI Bank Credit Cards

ICICI Coral Visa Credit Card

  • Annual Fee
    ₹Rs.500 + GST

Benefits

If you enjoy online shopping, the ICICI Coral Credit Card is designed as per your needs. You get cashback, rewards points, and exciting gift vouchers that enhance your shopping experience. This card also offers great dining benefits and entertainment perks.

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ICICI Expressions Credit Card

  • Annual Fee
    ₹Rs.500 + GST

Benefits

This credit card comes with an embedded microchip that protects your transactions from fraudulent activities. Apart from offering a high level of security, this card comes with a myriad of perks tailored as per your needs. May it be shopping, dining, or lifestyle needs, the ICICI Expressions Credit Card is ever-ready to reap benefits for you.

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ICICI HPCL Credit Card

  • Annual Fee
    ₹Rs.199 + GST

Benefits

Use your ICICI HPCL Credit Card to refuel your vehicle and get cashback benefits. This card can be used for all your utility bill payments like mobile bills, electricity bills, and so on. It also offers great savings on dining at participating restaurants.

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ICICI MMT Platinum Credit Card

  • Annual Fee
    ₹Nil (2nd year onward) + GST

Benefits

The MakeMyTrip ICICI Bank Platinum Credit Card is a great option if you love traveling. Enjoy exclusive MakeMyTrip benefits when you use this card to book your travel plans. You can earn “My Cash” under the Milestone Rewards Program associated with this card.

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ICICI MMT Signature Credit Card

  • Joining Fee
    ₹Rs.2,500 + GST
  • Annual Fee
    ₹Nil (2nd year onward) + GST

Benefits

This credit card offers exclusive perks when you use it for your travel bookings. The domestic lounge access comes as a complimentary benefit with the MakeMyTrip ICICI Bank Signature Credit Card. It doesn’t stop here! You can enjoy big savings when you use this card for buying movie tickets.

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ICICI Manchester United Platinum Credit Card

  • Annual Fee
    ₹Rs.499 + GST

Benefits

If you are a Red, this is a card specifically designed for you. Enjoy great discounts when you visit the ‘Theatre of Dreams’. Also get additional discounts when you shop online at the Manchester United megastore. Apart from the exclusive MU benefits, this card comes with amazing dining and entertainment offers.

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ICICI Manchester United Signature Credit Card

  • Annual Fee
    ₹Rs.2,499 + GST

Benefits

The ICICI Bank MU Signature Credit Card comes with great benefits for all United fans. Enjoy great discounts when you visit The Old Trafford. Additional discounts are available on purchases made online from the MU megastore. Apart from the exclusive MU offers, this card comes with lucrative perks associated with dining and entertainment.

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ICICI Platinum Visa Credit Card

  • Annual Fee
    ₹Nil + GST

Benefits

The ICICI Platinum Credit Card offers 2.5% waiver on fuel surcharge. PAYBACK points can also be earned by you when you make purchases using this card. Enjoy attractive travel benefits with this ICICI credit card.

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

How to Apply for an ICICI Bank Credit Card

If you want to apply for an ICICI bank credit card online, you can do so easily via Bajaj Markets. Here are all the steps you need to follow to do that: 

  • Step 1: Visit the Bajaj Markets website to check the available range of ICICI Bank credit cards.

  • Step 2: Help us with a few details to ascertain your eligibility.

  • Step 3: Compare the multiple credit card options available.

  • Step 4: Select the ICICI Bank credit card that best matches your lifestyle.

  • Step 5: Click on ‘Apply Now’.

Eligibility Criteria and Documents Required to Apply for an ICICI Credit Card

ICICI credit cards are widely accessible. Factors like your nationality, residence, income, credit score and age generally influence the eligibility criteria. However, before applying for an ICICI Bank credit card online, glance through their specific requirements and determine if you fit their criteria beforehand.

1. Eligibility Criteria

  • Age: You should be between 21-58 years if salaried and between 21-65 years, if self-employed. If you want to be an add-on cardholder, you should be at least 18 years old.

  • Residency: If you are residing in India, you are eligible for this card.

  • Income: Your annual income should be at least ₹2.5 Lakhs. Additionally, you should also have clear documentation of your IT returns.

  • Credit History: A clean credit record is a must. If you are already defaulting on your loans or any other debts, there is a high chance your application will be rejected.

2. Documents Required

  • Identity Proof: Aadhaar card, PAN card, driving licence, voter card, or passport.

  • Residence Proof: Aadhaar card, ration card, voter ID, passport, or past 3 months' utility bills.

  • Income Proof: Latest 3 months’ salary slip, Form 16, or Audited ITR acknowledgement as proof of income

Features and Benefits of ICICI Bank Credit Cards

1. Welcome Benefits 

One of the most significant advantages of getting an ICICI Bank credit card are the welcome benefits that come along with it. Upon signing up for the credit card, you can get bonus reward points, gift vouchers, accelerated cashbacks, and even premium subscriptions and memberships of certain platforms. Do note that you can get the welcome gifts after paying the joining fee, if applicable. 

2. Cashbacks and Rewards 

ICICI Bank offers various credit cards for different needs that come with different reward points programs. Some of them also offer cashbacks and loyalty benefits. You can win these points by making purchases using your credit card, and then redeem these rewards for various options. 

3. Free Movie Tickets

With ICICI Bank Coral Credit Card, you can avail of the ‘buy one get one free ‘offer on tickets purchased through INOX cinema or BookMyShow. However, this offer is available only on a first-come, first serve basis.

4. Gold’s Gym Membership

Enjoy a 50% off on Gold's Gym’s annual membership fees across India.

5. Assured Rewards for Shopping & Dining

Earn reward points on shopping with your favourite apparel brands and departmental stores with your ICICI Credit Card. You can also avail of heavy discounts across major restaurants in 12 cities with your ICICI Bank Coral Credit Card.

6. Luxury Travelling

Luxury travelling can get more affordable and exciting for ICICI Expression credit card holders. Some benefits include a complimentary visit to domestic and international airport lounges every quarter, along with unrestricted chargeable access for cardholders’ guests.

7. Fuel Surcharge

With ICICI HPCL Credit Card, get 2 payback points for every Rs. 100 spent on retail purchases, excluding fuel. If the card is swiped on ICICI merchant services and swipe machines for fuel transactions for a maximum of ₹4,000 pumps, you are eligible for 1% as fuel surcharge. If the card is swiped on ICICI merchant services and swipe machines for fuel purchases at HPCL pumps, you can get cashback of up to ₹100.

8. Milestone Benefits 

If you spend a certain minimum amount in a specific period, you become eligible for milestone benefits. You can avail of these benefits through bonus reward points, complimentary memberships, and gift vouchers. 

Fees and Charges of ICICI Bank Credit Cards

The ICICI Bank credit card charges and fees vary depending on your selected card. Here is a list of common charges you can expect to pay:

 

  • Joining/Annual Fees: Varies with the type of card

  • Cash Payment Fee: ₹100

  • Finance Charges: Varies from card to card

  • Late Payment Charges: Nil - ₹1,200 depending on the balance

  • Cash Advance: 2.50% (minimum ₹500) of the amount borrowed

  • Overlimit Charges: 2.50% (minimum ₹550) of the overlimit amount

  • Auto Debit Return Fee: 2% (minimum ₹500) of the total due.

ICICI Bank Credit Card Customer Care 

For all queries related to your ICICI Credit cards, you can reach the ICICI Bank Credit Card customer care team at:

  • Email: customer.care@icicibank.com

  • Phone number (All India): 1860 120 7777

  • Toll free number : 1800 1020 123

  • Customer card: 022 3366 7777

  • Local call: 3366 7777 (prefix local area code)

  • Phone Number for Indian Customer Travelling Overseas: +91-40-7140 3333

Why Choose Bajaj Markets for ICICI Bank Credit Cards

1. Rewards & Discounts

Get some of the best rewards on ICICI Bank Credit Cards on Bajaj Markets. Apply for Credit Cards online at Bajaj Markets and get Credit Cards packed with rewards and offers from your favourite brands.

2. One Platform, Many Card

At Bajaj Markets, we have multiple credit cards that you can choose from based on your needs. Whether you want a credit card that gets you discounts on shopping or one that saves on your fuel costs, we have it all!

3. Stringent Security Measures

With cases of cybercrime and cybertheft increasing by the day, your ICICI Bank credit card comes with features that ensure safety against any kind of fraud. Apply online and get the best credit card for yourself,  now!

4. Convert Purchases into EMIs

Now easily convert large purchases into EMIs through the ICICI Bank Credit Cards available on Bajaj Markets. Apply for an ICICI Bank credit card online today!

5. Joining Benefits

Enjoy assured joining benefits on multiple credit cards at Bajaj Markets as soon as you join. Get amazing discount vouchers from top e-commerce sites, fuel surcharge waivers, cashback, and much more. 

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FAQs on ICICI Bank Credit Card

✔️How can I make my ICICI Credit Card payment?

To pay your ICICI Bank credit card bill, you can use netbanking, iMobile Pay app, Visa Money Transfer, Scan to Pay, Auto debit, Click to Pay, NEFT, IMPS, BillDesk, Cheque or cash to pay.

✔️What should I do if my ICICI Bank Credit Card application gets declined?

In case your ICICI Bank credit card application gets rejected, you should wait for at least 3 months before reapplying. In the meantime, you should work on improving your credit profile and increasing your credit score.

✔️How is the interest charged on an ICICI Credit Card?

Here are the interest rates for different ICICI Bank credit cards: 

  • For InterMiles ICICI Bank Credit Cards / ICICI MMT Credit Cards/ ICICI Bank HPCL Credit Card/ Amazon Pay ICICI Bank Credit Card- 3.50% per month (42% per annum)

  • For the ICICI Manchester United Credit Cards / Emirates Skywards ICICI Bank Emeralde Credit Card, ICICI Bank Sapphiro Credit Card and ICICI Bank Rubyx Credit Card- 3.67% per month (44% per annum)

✔️Which is the best credit card offered by ICICI?

Some of the best ICICI Bank credit cards are: 

  • ICICI Coral credit card

  • ICICI Expressions credit card

  • ICICI HPCL credit card

  • ICICI MMT Platinum credit card

  • ICICI MMT Signature credit card

  • ICICI Manchester United Platinum credit card

  • ICICI Manchester United Signature credit card 

  • ICICI Platinum Visa credit card

✔️ How can I get an ICICI credit card?

You may apply for an ICICI credit card on Bajaj Markets by following a few easy steps.

Step 1: Visit Bajaj Markets website to check the range of ICICI Bank credit cards available

Step 2: Help us with a few of your details to ascertain your eligibility

Step 3: Compare the multiple credit card options available

Step 4: Select the ICICI Bank credit card that best matches your lifestyle

Step 5: Click on ‘Apply’

✔️How to compare ICICI Bank Credit Cards and choose the best one?

ICICI bank offers a lot of different types of credit cards.The first thing you need to do is analyse your budget and monthly expenditure. You have to look through all your expenses and see where you tend to spend the most. After that, check all the available credit card options and select the one that suits your spending habits. Look through their charges, benefits, and fees before you decide on a card.

✔️How to activate an ICICI Bank Credit Card?

There are many ways to activate your ICICI credit card without any hassle. 

  • You can log in to your ICICI net banking account; then, under the ‘Credit Cards’ tab, you can find the ‘Generate Credit Card PIN Online’ option by which you can get your activation PIN.

  • You can also contact the ICICI Credit Card customer care, and the bank officials will then guide you through the process of activating your credit card. 

  • Visit an ICICI ATM near you, and you can find the option to activate the credit card via an OTP. 

  • If you want to go for the offline option, then you can also visit your nearest ICICI bank branch and ask the bank officials to help you activate your credit card.