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.
There are different types of ICICI Bank credit cards that you can choose from and apply for, based on your eligibility for the same. Check out the different types of ICICI Bank credit cards, and some of the top options in each category.
Lifestyle credit cards from ICICI Bank offer a wide range of benefits and privileges related to specific lifestyles or interests. These benefits may include discounts on dining, shopping, travel, and other experiences, as well as access to exclusive events and experiences. These ICICI Bank credit cards can be a good option for you if you regularly participate in activities related to the specific lifestyle or interest that the card targets.
Check out some of the top ICICI Bank credit cards that offer lifestyle-related benefits and rewards below.
Joining fee: ₹500
Annual fee: ₹500
25% discount on movie tickets from BookMyShow and Inox
Complimentary access to railway and domestic airport lounges once per quarter
Joining fee: Nil
Annual fee: Nil
2 rewards points for each ₹100 spent on all expenses except fuel
A Culinary Treats Programme that offers exclusive dining offers
ICICI Bank credit cards in this category are perfect for the frequent traveller. They offer various travel-related benefits like complimentary lounge access, holiday vouchers and more. Take a look at some of the top ICICI Bank credit cards in the travel category and see what they offer.
a) MakeMyTrip ICICI Bank Platinum Credit Card
Joining fee: ₹500
Annual fee: Nil
Joining benefit of ₹500 My Cash and a MakeMyTrip holiday voucher worth ₹3,000
1 complimentary airport lounge access and 1 complimentary railway lounge access per quarter
b) MakeMyTrip ICICI Bank Signature Credit Card
Joining fee: ₹2,500
Annual fee: Nil
Joining benefit of ₹1,500 My Cash, a MakeMyTrip holiday voucher worth ₹2,500 and complimentary MMT BLACK membership
Exclusive benefits from MMT cabs
Do you travel by road frequently and find your petrol bills shooting up each month? You could make the most of it by using a fuel ICICI Bank credit card to pay for your purchases and earn rewards and benefits in the process. Check out the top ICICI Bank credit cards that offer fuel benefits below.
a) ICICI HPCL Coral Credit Card
Joining fee: ₹199
Annual fee: ₹199
2.5% cashback and 1% savings on fuel surcharge when you refuel at HPCL petrol pumps
2 reward points for every ₹100 spent on all retail purchases (except fuel
b) ICICI HPCL Super Saver Credit Card
Joining fee: ₹500
Annual fee: ₹500
5% cashback on fuel expenses incurred at HPCL fuel pumps
Complimentary round-the-clock roadside assistance service
Sports credit cards are best suited for sports enthusiasts, since they offer many benefits like complimentary tickets and more. Here are some of the top ICICI Bank credit cards of this kind.
a) ICICI Manchester United Platinum Credit Card
Joining fee: ₹499
Annual fee: ₹499
Complimentary Manchester United football
Up to 3 reward points for each ₹100 spent
Complimentary airport lounge access once per quarter
b) ICICI Manchester United Signature Credit Card
Joining fee: ₹2,499
Annual fee: ₹2,499
Complimentary Manchester United football and holdall
Up to 5 reward points for each ₹100 spent
Complimentary airport lounge access twice per quarter
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’.
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.
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.
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
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.
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.
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.
Enjoy a 50% off on Gold's Gym’s annual membership fees across India.
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.
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.
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.
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.
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.
For all queries related to your ICICI Credit cards, you can reach the ICICI Bank Credit Card customer care team at:
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
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 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!
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 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.
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)
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
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’
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.
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.