Today, we explore the best ICICI Bank Credit Cards, a preferred choice for credit card users across India. With a diverse portfolio of cards, ICICI Bank caters to a wide array of spending habits, preferences, and financial needs. We’ve compared and ranked all of the top ICICI Bank credit cards on the market, so you can easily find the perfect one for your spending habits and lifestyle. Dive into the benefits, fees, reward rates, and key features of various ICICI Bank Credit Cards.
So whether you’re a frequent traveler, a cashback shopper, or just looking for a great rewards card, we’ve got you covered. Read on to find the best ICICI Bank credit card for you!
ICICI Bank Credit Cards: An Overview
ICICI Bank offers an impressive range of credit cards tailored to meet different spending patterns and lifestyles. These cards provide significant advantages such as cashback, reward points, and travel benefits, to name a few. Here, we list some of the best ICICI Bank Credit Cards and their unique attributes.
ICICI Bank Coral Credit Card
For individuals who desire a blend of lifestyle and reward benefits.
- Annual Fee: ₹500
- Reward Rate: 2 PAYBACK points for every ₹100 spent.
- Key Features: Complimentary lounge access, dining benefits, and fuel surcharge waiver.
ICICI Bank Rubyx Credit Card
Ideal for frequent travelers looking for substantial travel rewards.
- Annual Fee: ₹2,000
- Reward Rate: 2 PAYBACK points for every ₹100 spent domestically, and 4 points on international spends.
- Key Features: Complimentary lounge access, golf privileges, and travel insurance.
ICICI Bank Sapphiro Credit Card
A premium card providing an array of travel, lifestyle, and dining benefits.
- Annual Fee: ₹3,500
- Reward Rate: 2 PAYBACK points for every ₹100 spent domestically, and 4 points on international spends.
- Key Features: Complimentary lounge access, golf lessons, and movie tickets.
ICICI Bank Ferrari Signature Credit Card
A distinctive card for car enthusiasts that provides benefits related to the Ferrari brand and lifestyle.
- Annual Fee: ₹3,999
- Reward Rate: 2 PAYBACK points per ₹100 spent; 15 PAYBACK points per ₹100 spent on Ferrari merchandise.
- Key Features: Complimentary Scuderia Ferrari watch on joining, 20% discount on Ferrari merchandise, and complimentary airport lounge access.
ICICI Bank Amazon Pay Credit Card
Perfect for regular Amazon shoppers, this card offers cashback on Amazon purchases.
- Annual Fee: Nil
- Reward Rate: 5% cashback on Amazon purchases for Prime members, 3% cashback for non-Prime members.
- Key Features: No cost EMI on Amazon purchases, 1% fuel surcharge waiver, and accelerated cashback on partner merchants.
ICICI Bank Manchester United Platinum Credit Card
Designed for Manchester United fans, offering benefits related to the football club.
- Annual Fee: ₹499
- Reward Rate: 2 PAYBACK points per ₹100 spent; bonus points on Manchester United match days.
- Key Features: Chance to win a trip to watch a Manchester United match at Old Trafford, discounts on Manchester United merchandise, and fuel surcharge waiver.
ICICI Bank HPCL Coral Credit Card
Ideal for those looking to save on fuel expenses.
- Annual Fee: ₹199
- Reward Rate: 2 PAYBACK points per ₹100 spent; 2.5% cashback and 1% fuel surcharge waiver at HPCL petrol pumps.
- Key Features: ₹100 off on up to 2 movie tickets per month at BookMyShow, 15% savings on dining at over 800 restaurants.
ICICI Bank Platinum Chip Credit Card
A great starter card offering significant rewards and security features.
- Annual Fee: Nil
- Reward Rate: 2 PAYBACK points per ₹100 spent.
- Key Features: Fuel surcharge waiver, minimum 15% savings on dining at partnered restaurants, and chip and pin security.
ICICI Bank Carbon Credit Card
An exclusive card offering a suite of premium benefits and rewards.
- Annual Fee: ₹2,000
- Reward Rate: 2 PAYBACK points per ₹100 spent; additional rewards with partner brands.
- Key Features: Complimentary access to airport lounges, discounts on dining, and a buy-one-get-one-free offer on movie tickets.
ICICI Bank Instant Platinum Credit Card
A card designed for those new to credit, offering rewards and a low-interest rate.
- Annual Fee: Nil
- Reward Rate: 2 PAYBACK points per ₹100 spent.
- Key Features: Global Emergency Assistance Service, fuel surcharge waiver, and a minimum of 15% savings on dining at over 800 restaurants.
ICICI Bank Unifare Metro Credit Card
A unique card offering benefits for commuters, available for various metros.
- Annual Fee: ₹499
- Reward Rate: 1 PAYBACK point per ₹100 spent; 4 PAYBACK points for spends on Auto Recharge transactions.
- Key Features: Acts as a metro smart card, auto recharge facility, and complimentary personal accident insurance.
Conclusion
Choosing the right ICICI Bank Credit Card requires a clear understanding of your spending habits, lifestyle, and financial goals. While WalletWalk.in strives to provide comprehensive and current information to aid your decision-making, credit card details can change over time. For the most accurate and up-to-date information, we recommend visiting the official ICICI Bank website. Please note, WalletWalk.in cannot be held responsible for any discrepancies or changes in the card features, benefits, or terms. Always cross-verify details from the official banking source before making a decision. Happy card hunting!
ICICI Bank Credit Cards FAQs
How can I redeem my reward points on ICICI Bank Credit Cards?
You can redeem your reward points through ICICI Bank’s Internet Banking portal or by calling ICICI Bank’s Customer Care. Reward points can be redeemed for air miles, shopping vouchers, cashback, and more.
How can I pay my ICICI Bank Credit Card bill?
ICICI Bank provides several ways to pay your credit card bill: via Internet Banking, mobile banking, ATM fund transfer, NEFT/RTGS transfer, cheque or cash deposit at the bank, or through the Bill Desk facility available on the ICICI Bank website.
What are the charges for late payment of ICICI Bank Credit Card bills?
Late payment charges vary depending on the statement balance. These charges range from ₹100 to ₹750. To avoid these charges, it’s advisable to pay your credit card bill on time.
How do I apply for an ICICI Bank Credit Card?
You can apply for an ICICI Bank Credit Card online through the official ICICI Bank website or by visiting an ICICI Bank branch. You will need to fill out an application form and provide the necessary documents, such as ID proof, address proof, and income proof.
What is the minimum salary requirement to apply for an ICICI Bank Credit Card?
The minimum salary requirement varies depending on the card. However, typically, for salaried individuals, the minimum monthly income should be around ₹20,000.
What should I do if my ICICI Bank Credit Card is lost or stolen?
If your ICICI Bank Credit Card is lost or stolen, immediately contact ICICI Bank Customer Care to report the loss and block the card. This can prevent unauthorized transactions. You can also log into your ICICI Bank internet banking account to report the loss.
Can I convert my ICICI Bank Credit Card purchases into EMIs?
Yes, ICICI Bank offers a ‘Flexipay’ option that allows you to convert your high-value credit card purchases into easy monthly installments.
How can I increase my ICICI Bank Credit Card limit?
You can request an increase in your ICICI Bank Credit Card limit by contacting ICICI Bank Customer Care or through ICICI Bank’s Internet Banking portal. Please note that the approval of your request is at the bank’s discretion and will depend on your credit history and financial profile.
How can I check the status of my ICICI Bank Credit Card application?
You can check the status of your ICICI Bank Credit Card application through the official ICICI Bank website using your application ID or mobile number.
Is there any charge for an ICICI Bank Credit Card?
Yes, most ICICI Bank Credit Cards come with an annual fee, which varies depending on the type of card. However, some cards offer a waiver on the annual fee if you spend a certain amount within the year.
What happens if I don’t pay my ICICI Bank Credit Card bill on time?
If you don’t pay your ICICI Bank Credit Card bill on time, you will be charged a late payment fee. Additionally, it can affect your credit score negatively.
Can I use my ICICI Bank Credit Card internationally?
Yes, you can use your ICICI Bank Credit Card internationally. However, foreign transaction fees apply, and it’s advised to activate international usage through the bank’s customer service or internet banking portal before traveling.
Can I transfer the outstanding balance on my other bank’s credit card to my ICICI Bank Credit Card?
Yes, ICICI Bank provides a balance transfer facility that allows you to transfer the outstanding balance from other banks’ credit cards to your ICICI Bank Credit Card, often at lower interest rates.
Can I withdraw cash using my ICICI Bank Credit Card?
Yes, you can withdraw cash using your ICICI Bank Credit Card from any ICICI Bank ATM. However, cash withdrawals attract a cash advance fee and interest charges, so it’s advisable to use this facility sparingly.
How do I earn reward points with my ICICI Bank Credit Card?
You earn reward points each time you use your ICICI Bank Credit Card for purchases. The number of reward points per transaction varies depending on the card type and the nature of the purchase (online, in-store, category of spending, etc.).
How long does it take for an ICICI Bank Credit Card to be approved?
Typically, once you’ve submitted all necessary documents and your application has been verified, it may take anywhere from 7 to 21 days for your credit card to be approved.
What should I do if I have a dispute on my ICICI Bank Credit Card bill?
If you find any discrepancies or unauthorized transactions in your credit card statement, report it immediately to ICICI Bank’s Customer Care or write to the bank specifying the disputed transactions.
How can I close or cancel my ICICI Bank Credit Card?
To close or cancel your ICICI Bank Credit Card, you can call ICICI Bank’s Customer Care or write to the bank. Ensure you pay off any outstanding balance and redeem any unused reward points before cancellation.