ICICI Bank Credit Cards

ICICI Bank offers multiple credit card types that can offer you access to benefits related to dining, entertainment, shopping, and travel. If you are a foodie, movie buff, traveller, or indulgent shopper, you can take your pick from this wide range. In addition to this, you may also enjoy benefits like reward points, discounts, cashback, and other offers.

1. Eligibility Criteria

To apply for an ICICI Bank Credit Card, you'll need to meet certain eligibility requirements. These can vary depending on the specific card you're interested in, but here's a general overview:

• Age: Typically, you must be between 18 and 65 years old. Some cards might have a slightly higher minimum age limit.

• Citizenship: The cards are primarily for Indian citizens and residents. 

• Income: There's a minimum annual income requirement, ranging from Rs. 1 lakh to Rs. 3 lakh or more depending on the card.

• Employment: Salaried individuals with a stable income are generally preferred. However, some cards cater to self-employed or business owners with proof of income stability. 

• Credit History (CIBIL Score): A good credit history, reflected in your CIBIL score (ideally above 750), is crucial. A higher score increases your approval chances and qualifies you for better cards with higher limits and rewards.

2. Documents Required

When applying for an ICICI Bank Credit Card, you'll typically need to submit the following documents:

• Mandatory Documents:

  1. Completed application form

  2. Passport-sized photograph

• Proof of Identity (Any one):

  1. PAN Card (most common)

  2. Aadhaar Card (alternative to PAN)

  3. Passport (if no PAN or Aadhaar)

  4. Driving License (in some cases)

• Proof of Address (Any one):

  1. Utility bills (electricity, water, phone) not older than 3 months with your address clearly visible.

  2. Ration Card (might be accepted by some banks)

  3. Passport (if the address is mentioned)

  4. Driving License (if address is mentioned)

  5. Aadhaar Card (if the address is updated)

• Proof of Income (May vary depending on employment):

  1. Salaried individuals: Latest payslips (2-3 months) showing salary and employer details

  2. Self-employed individuals: Income Tax Returns (ITR) for the past 2-3 years along with bank statements reflecting income

  3. Form 16 (if available)

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 the necessary employment and personal information