The ICICI Bank Plus Credit Card is an add-on card designed to complement your primary ICICI credit card. Ideal for families, this supplementary card enables you to extend your credit benefits to immediate family members, including your spouse, children, siblings, or parents, while sharing the same credit limit. You can apply for up to three Plus Cards under a single primary account, making it a convenient and cost-effective solution for household spending and financial planning. Each add-on card carries an annual fee of just ₹199 + GST, offering a budget-friendly way to empower loved ones with financial flexibility, reward-earning potential, and exclusive privileges.
Read more about pros and cons of having add-on credit cards here!
Features of the ICICI Bank Plus (Add-on) Credit Cards
Here is a list of features of having an ICICI Bank Plus Credit Card.
Consolidated Billing Statements
You can stay in control of spending with a single, detailed monthly statement that includes both primary and Plus Card transactions. This helps you track expenses, plan budgets, and avoid overspending with ease.
Independent Alerts and OTPs for Security
Each Plus Cardholder receives individual OTPs and transaction alerts on their registered mobile number, ensuring transaction security without compromising their peace of mind.
Earn Rewards and Cashback
Transactions on the Plus Card contribute to the same reward or cashback program as the primary card. Whether it’s shopping, dining, or traveling, every swipe helps you earn more together.
Shared Lifestyle Privileges
Select offers such as BookMyShow and INOX movie benefits can be extended to your add-on cardholders. All terms and conditions applicable to the primary cardholder will also apply to the Plus Card, allowing them to enjoy the same exclusive perks.
No Separate Credit Check Required
Since the Plus Card is issued against your existing credit line, there’s no need for an independent credit evaluation of the add-on cardholder, making the process hassle-free.
Easy Application and Instant Issuance
You can apply for a Plus Card conveniently via iMobile or Net Banking, with a quick turnaround and no paperwork in most cases.
Shared Credit Limit
With controlled limits and shared rewards, the Plus Card is a smart way to introduce teenagers or young adults to the world of credit while keeping spending in check.
How to Apply for an ICICI Bank Plus (Add-on) Credit Card
Applying for an ICICI Bank Plus Credit Card is simple and can be done online in just a few steps. Whether you prefer using the iMobile app or Net Banking, the process is quick and paperless.
Using the iMobile App
- Log in to your iMobile Pay app using your credentials.
- Navigate to the “Cards/ Forex/ PayLater” section.
- Select your existing credit card from the list.
- Tap on “Manage Card” and then choose “Plus Card”.
- Follow the prompts to complete your request.
Using the Net Banking
- Log in to ICICI Net Banking using your User ID and Password.
- Go to the “Cards & Loans” tab and select “Credit Cards”.
- Choose your primary credit card from the options.
- Click on the option to apply for a Plus Card.
- Submit your application after filling in the required details.
Note: You can apply for a maximum of three Plus Cards per primary credit card account. Ensure that the add-on applicant is an immediate family member (spouse, children, siblings, or parents) and meets the eligibility criteria.
Bottom Line
The ICICI Bank Plus (Add-on) Credit Card is a solution for people who want to manage their spending together while enjoying the perks of a single credit card account. Whether it’s your spouse, child, sibling, or parent, you can offer them access to a credit card that operates under your existing limit, making it easier to track and control overall expenses. The card brings along the benefits of earning rewards or cashback, receiving individual transaction alerts, and enjoying lifestyle privileges like BookMyShow and INOX offers. Since the application process is completely online through iMobile or Net Banking, getting a Plus Card issued is both quick and easy.
FAQs
What is the ICICI Bank Plus Credit Card?
The ICICI Bank Plus Credit Card is an add-on credit card linked to your primary ICICI credit card, allowing family members to share your credit limit and benefits.
Who is eligible to apply for an ICICI Plus Credit Card?
Immediate family members, such as your spouse, children, parents, or siblings, are eligible for an ICICI Bank Plus (Add-on) Credit Card.
Is there an annual fee for the ICICI Bank Plus Credit Card?
Yes, the ICICI Plus Credit Card has an annual fee of ₹199 + GST per card.
How can I apply for an ICICI Plus Add-on Credit Card online?
You can apply through iMobile Pay or ICICI Net Banking by selecting your primary card and following the on-screen steps.
Do ICICI Plus Cardholders earn rewards or cashback?
Yes, all transactions made using the Plus Card contribute to the same reward or cashback program as the primary card.
What is the spending limit on the ICICI Plus Credit Card?
The ICICI Plus Credit Card shares the credit limit on your primary ICICI Credit Card.