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 Bank credit card suitable for you.
ICICI Bank 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.
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.
If you wish to enjoy a hassle-free application process, you should apply for an ICICI Bank credit card online on Bajaj Markets. Here’s how you can apply for one in a few minutes:
Step 1: Visit the Bajaj Markets website and navigate to the ICICI Bank credit card page.
Step 2: Click on the ‘Apply Now’ option.
Step 3: Fill in your basic details to ascertain your eligibility for an ICICI Bank credit card.
Step 4: Compare the available credit card options and pick one that best suits your lifestyle.
Step 5: Complete the online application form and upload the required documents.
If you’re not comfortable applying for an ICICI Bank credit card online, you can take the offline route using the following steps:
Step 1: Visit the nearest ICICI Bank branch.
Step 2: Ask for a credit card application form.
Step 3: Fill-in the form with your basic KYC details.
Step 4: Submit the form with the required documents like your Aadhaar Card, PAN Card, and income proof documents.
Step 5: Wait for the verification and eligibility screening to be over. If you meet the eligibility criteria, an ICICI Bank official will contact you about the card.
You can use your application ID to track your ICICI Bank credit card application status on the Bank's website. Alternatively, you can also call the ICICI Bank customer care number 1860 120 7777 to get an update on your application status.
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.
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!
With cases of cybercrime and cyber theft 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!
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!
Enjoy assured joining benefits on multiple credit cards at Bajaj Markets as soon as you join. Get amazing discount vouchers from some of the top e-commerce sites, fuel surcharge waivers, cashback, and much more.
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.
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.
The interest charged on ICICI Bank credit cards varies from 3.50% - 3.67%. For instance, for co-branded cards like InterMiles, MMT, HPCL, and Amazon Pay, a monthly interest of 3.50% is chargeable. However, the monthly interest charged is 3.67% on cards like the Manchester United, Emirates Skywards, Emeralde, Sapphiro, and Rubyx Credit Card.
In the lifestyle credit cards category, ICICI Bank’s Coral Credit Card secures the best card title. However, the ICICI Bank HPCL credit card is the best option in the fuel credit card segment. In the travel segment, the bank’s co-branded MMT Platinum and Signature cards remain best-rated. Given their rosters of football merchandise and rewards, ICICI Bank’s Manchester United Platinum and Signature cards are popular among football fanatics.
As for the entry-level segment, ICICI Bank’s Expressions and Platinum VISA credit cards come with the best rewards-to-expense ratios.
You may apply for an ICICI Bank credit card on Bajaj Markets by following a few easy steps.
Step 1: Visit the 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’
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.
To activate your ICICI Bank credit card, you can log into your netbanking account. Under the ‘Credit Cards’ tab, you need to go to the ‘Generate Credit Card PIN Online’ option to locate your activation PIN. You can also activate your card by visiting the nearest ICICI Bank ATM. Here, the activation will be OTP-based.
If you need more assistance, you can always call ICICI Bank’s credit card customer care number or visit the nearest bank branch. In both these cases, the bank’s representative will guide you through the activation process, making it hassle-free.
ICICI Bank credit card charges and fees depend on the type of card you pick. Nonetheless, all ICICI Bank credit card holders have to pay certain common charges. These charges include joining and renewal fees, finance expenses, late and overlimit penalties, cash payment fees, foreign transaction charges, and others.