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There are many options to choose from as the ICICI 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 on Bajaj Markets

Features and Benefits

Welcome Benefits

Upon getting an ICICI Bank credit card, unlock significant advantages through welcome benefits. Enjoy bonus reward points and receive enticing gifts upon card activation.

Cashbacks and Rewards

Explore a range of ICICI Bank credit cards tailored to diverse needs, each offering distinct reward points programs. Some cards provide cashback and loyalty benefits, allowing you to accumulate points through various transactions.

Assured Rewards for Shopping & Dining

Elevate your shopping and dining experiences with ICICI Bank credit cards, earning reward points at top apparel brands and departmental stores. Enjoy substantial discounts at major restaurants across 12 cities.

Fuel Surcharge

Benefit from cashback offers and fuel surcharge waivers on transactions at HPCL pumps with your ICICI Bank credit card. Earn payback points on retail purchases, ensuring exclusive rewards beyond fuel savings.

Eligibility Criteria and Documents Required

Here are the eligibility and documentation requirements you must meet in order to qualify for this credit card: 

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 ID, 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 acknowledgment as proof of income

How to Apply for an ICICI Bank Credit Card Online

To apply for an ICICI Bank credit card online, follow the below-mentioned steps:

  1. Click on 'Apply Now’

  2. Input essential details like phone number, birth date, and profession

  3. Proceed by clicking 'Next’

  4. Verify the OTP sent to your registered phone number

  5. Furnish KYC details such as PAN Card, email, residence PIN code, and income

  6. Choose your desired ICICI Bank Credit Card

  7. Finalise your application by providing necessary employment and personal information

Frequently Asked Questions

How can I make my ICICI Bank 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 Bank credit card?

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.

How can I 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 can I activate my ICICI Bank Credit 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.

What are the fees and charges applicable on an ICICI Bank credit card?

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.

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