By Ankur Mittal
Updated On September 20, 2021

Established in 1994 in Vadodra, ICICI Bank is India’s second-largest private sector bank only next to HDFC in terms of revenue and market capitalization. ICICI Bank was established by its parent company, Industrial Credit and Investment Corporation of India (ICICI), which was formed in 1954 as a joint venture of the world bank, India’s public sector insurance companies and private sector banks. Initially, the bank was named Industrial Credit and Investment Corporation of India Bank after its parent company. Later on, the name was changed to ICICI and the parent company was merged with the bank. In 1998, ICICI Bank became the first bank in the country to launch internet banking services. In 1999, ICICI also became the first Indian company to be listed in the New York Stock Exchange (NYSE). As of today, the bank also holds around 8% equity in the Yes Bank.

As far as the credit card business is concerned, with 1,08,73,007 active credit cards (as of May 2021), ICICI bank holds around 16% share in the credit card market. From travel and shopping to movies and dining cards, ICICI Bank has all categories of credit cards in its portfolio. The bank has tied up with PAYBACK, which is India’s largest loyalty program for processing the reward points. Following are some of the most popular credit cards offered by the ICICI bank.

ICICI Bank Emeralde Credit Card

Welcome Benefits

N/A

Rewards Rate

4 PAYBACK points on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 PAYBACK point on every Rs. 100 spent on utilities and insurance

Best Suited For

Movies | Travel | Shopping |

Movie & Dining

4 complimentary movie/events tickets from BookMyShow every month, Rs. 750 off on purchases of second movie (or non-movie) ticket onwards on BookMyShow (for up to 4 tickets per month), no cancellation charge on movie ticket cancellation (max benefit of Rs. 12,000 per year), minimum 15% discount at partner restaurants under the Culinary Treats dining program.

 

Reward Redemption

4 complimentary movie/events tickets from BookMyShow every month, Rs. 750 off on purchases of second movie (or non-movie) ticket onwards on BookMyShow (for up to 4 tickets per month), no cancellation charge on movie ticket cancellation (max benefit of Rs. 12,000 per year), minimum 15% discount at partner restaurants under the Culinary Treats dining program.

 

Joining Fees

Rs. 1,000 (plus applicable taxes) for monthly plan, Rs. 12,000 (plus applicable taxes) for annual plan

Product Details

  • Dining voucher worth Rs. 7,500 from Trident hotels on your birthday redeemable at any of the Trident hotels (applicable only on the American Express variant).
  • Complimentary unlimited international lounge access under Dreamfolks membership Program.
  • Complimentary unlimited domestic lounge access under the MasterCard/AmEx domestic lounge program.
  • Complimentary unlimited domestic airport spa access.
  • Up to Rs. 750 off on purchase of second ticket onwards (up to max 4 tickets/month) on BookMyShow for all movie and non-movie ticket purchases.
  • Complimentary golf round/lesson on every Rs. 50,000 spent on the card in the previous month (up to max 4 rounds/lessons per month).
  • Nominal Foreign Currency Markup of 1.5%.
  • Lower APR of 1.99% on ATM cash withdrawals.
  • Zero cash withdrawal and late payment fee.
  • Up to 15% discount on gym membership (only on AmEx variant).
  • Reversal of cancellation charges (up to Rs. 12,000) on a max 2 transactions/year for flight/hotel/movie ticket booking.
  • Choice between monthly and annual membership plans.
  • 24×7 concierge service offering assistance for hotel/restaurant reservations, flight bookings, movie ticket bookings, and many other services.
  • 4 PAYBACK Points for every Rs. 100 spent on all retail transactions, except spends on fuel, utilities and insurance categories.
  • 1 PAYBACK Point for every Rs. 100 spent on utilities and insurance categories.
  • Minimum 15% discount at partner restaurants under the Culinary Treats dining program.
  • 1% fuel surcharge waived on all fuel purchases.
  • Air accident cover worth Rs. 3 crore and many other travel-related insurance benefits.

See additional details for ICICI Bank Emeralde Credit Card

Welcome Benefits

Get exclusive travel & shopping gift vouchers worth more than Rs. 9,000 and get a cashback of Rs. 750 on spending Rs 20,000 within 60 days of issuance of the Sapphiro AmEx card.

Rewards Rate

On every Rs. 100 spent, get 6 PAYBACK Points on international purchases & 3 PAYBACK Points on domestic purchases through the AmEx variant and get 4 PAYBACK Points on international purchases & 2 PAYBACK Points on domestic purchases through the Mastercard variant.

Best Suited For

Travel | Shopping |

Movie & Dining

Get Rs. 500 off on the second movie or event ticket when you buy one ticket from Book My Show. A discount of 15% or more on dining through the ICICI Bank Culinary Treats Programme.

Reward Redemption

Get Rs. 500 off on the second movie or event ticket when you buy one ticket from Book My Show. A discount of 15% or more on dining through the ICICI Bank Culinary Treats Programme.

Joining Fees

Rs. 6,500 (plus applicable taxes)

Product Details

  • Welcome benefits worth more than Rs. 9,000.
  • An opportunity to earn Rs. 750 cashback as a welcome gift through the AmEx variant.
  • Earn up to 6 PAYBACK Points on every Rs 100 spent on international purchases and 3 PAYBACK Points on every Rs 100 spent on domestic purchases.
  • Up to 20,000 bonus PAYBACK Reward Points every year under Milestone Reward Program.
  • Exclusive offers and benefits under the ICICI Culinary Treats Programme.
  • BOGO (Buy 1 Get 1 Free Offer) on movie tickets on BookMyShow.
  • Get complimentary Lounge Access within and outside India, and complimentary spa sessions at selected domestic airports.
  • Avail 24×7 concierge service through ICICI’s i-Assist.
  • Avail of complimentary golf sessions up to 4 times a month at some of the finest golf courses across the globe.
  • 1% of Fuel Surcharge Waiver at all fuel stations across India.

See additional details for ICICI Bank Sapphiro Credit Card

Welcome Benefits

Travel & shopping vouchers worth over Rs. 5,000

Rewards Rate

6 PAYBACK Points per Rs. 100 on international spends and 3 PAYBACK Points per Rs. 100 on domestic spends on the American Express variant; 4 PAYBACK Points per Rs. 100 on international spends and 2 PAYBACK Points per Rs. 100 on domestic spends on the MasterCard variant.

Best Suited For

Travel |

Movie & Dining

25% discount on movie ticket bookings (min 2 per transaction and max 2 tines in a month) on BookMyShow and INOX (max discount capped at Rs. 150), discount on dining bills with the Culinary Treats Program.

Reward Redemption

25% discount on movie ticket bookings (min 2 per transaction and max 2 tines in a month) on BookMyShow and INOX (max discount capped at Rs. 150), discount on dining bills with the Culinary Treats Program.

Joining Fees

Rs. 3,000 (plus applicable taxes)

Product Details

  • 2 PAYBACK Points per domestic spend of Rs. 100 & 4 PAYBACK Points per international spend of Rs. 100 through ICICI Bank Rubyx Mastercard Credit Card.
  • 50% extra PAYBACK Points through the ICICI Bank Rubyx American Express Credit Card (3 Points per Rs. 100 on domestic spends and 6 Points per Rs. 100 on international spends).
  • Travel and shopping vouchers worth over Rs. 5,000 as a welcome benefit.
  • 25% discount (up to Rs. 150) on booking a minimum of 2 movie tickets in a single transaction on BookMyShow or Inox (max 2 times in a month- once with each variant).
  • Exciting discount offers on dining with ICICI Bank Culinary Treats Program.
  • 2 complimentary railway lounge access with each of the MasterCard and American Express variants (total 4 railway lounge access) per quarter.
  • 2 complimentary domestic airport lounge access (1 with each of MasterCard and AmEx variants) per quarter on minimum spends of Rs. 5,000 in the previous quarter.
  • 1 complimentary golf lesson/round every month per Rs. 50,000 spent in the previous month (max 2 rounds/lessons in a month).
  • Exclusive insurance benefits including a personal air accident cover worth Rs. 1 crore and lost card liability protection worth Rs. 50,000.
  • 24*7 concierge service i-Assist for hotel reservations, flight/movie ticket bookings, gift delivery assistance, etc.
  • Spends-based renewal fee waiver on the expenditure of Rs. 3 lakh in the previous year.
  • Additional PAYBACK Points on achieving the stipulated spends based milestones.

See additional details for ICICI Bank Rubyx Credit Card

Welcome Benefits

Complimentary Sennheiser HD219 Headphones.

Rewards Rate

2 hand-picked rewards on every domestic spend of Rs. 100, 4 hand-picked rewards on every international spend of Rs. 100.

Best Suited For

Movies | Travel |

Movie & Dining

Buy 1 Get 1 Free offer on movies twice every month & a minimum of 15% discount on dining.

Reward Redemption

Buy 1 Get 1 Free offer on movies twice every month & a minimum of 15% discount on dining.

Joining Fees

Rs. 3,000

Product Details

  • Welcome gift of complimentary Sennheiser HD219 Headphones.
  • Up to 4 Hand-picked Reward on every spend of Rs. 100 with your ICICI Bank Rubyx Visa Credit Card.
  • An opportunity to earn up to 15,000 bonus rewards every year.
  • 2 complimentary railway lounge access every quarter.
  • 2 complimentary domestic airport lounge access every quarter.
  • Up to 2 complimentary Golf rounds each month.
  • Up to 2 complimentary movie tickets every calendar month.
  • A discount of 15% or more on dining.
  • Spend-based annual fee waiver.
  • 1% fuel surcharge waiver.

See additional details for ICICI Bank Rubyx Visa Credit Card

Welcome Benefits

N/A

Rewards Rate

1 PAYBACK Point on every Rs. 100 spent on utilities & insurance related spends, 2 PAYBACK Points on every Rs. 100 spent elsewhere, and 4 PAYBACK Points on every Rs. 100 spent online on the AmEx variant.

Best Suited For

Movies | Dining |

Movie & Dining

You get a 25% discount of up to Rs. 100 on movie ticket booking on BookMyShow and INOX two times a month. Get up to 15% discount on dining.

Reward Redemption

You get a 25% discount of up to Rs. 100 on movie ticket booking on BookMyShow and INOX two times a month. Get up to 15% discount on dining.

Joining Fees

Rs 500 (plus applicable taxes)

Product Details

  • 4 PAYBACK Points on every Rs. 100 you spend online through the AmEx variant.
  • Up to 2 PAYBACK Points on every Rs. 100 you spend on Visa/Mastercard variant.
  • Earn up to 10,000 bonus PAYBACK Points every year under the Milestone Program.
  • Get 1 complimentary domestic lounge access every quarter.
  • Get 1 complimentary railway lounge access every quarter.
  • Enjoy up to 25% discount on movie ticket booking on BookMyShow and INOX.
  • You get exclusive dining deals through ICICI Bank Culinary Treats Programme using ICICI Bank Coral credit card
  • 1% surcharge fee waiver on fuel transactions at all HPCL fuel stations across India.

See additional details for ICICI Bank Coral Credit Card

Amazon Pay ICICI Bank Credit Card

Welcome Benefits

Rs. 300 to Rs. 600 Amazon Pay Balance (keeps changing)

Rewards Rate

5% cashback on Amazon India for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner merchants accepting Amazon Pay, 1% cashback on all other payments except fuel purchases

Best Suited For

Shopping |

Movie & Dining

A minimum of 15% discount on dining bills at restaurants participating in the Culinary Treats program

Reward Redemption

A minimum of 15% discount on dining bills at restaurants participating in the Culinary Treats program

Joining Fees

Nil

Product Details

  • Amazon Prime users get 5% cashback on all purchases made on Amazon (with a few exceptions).
  • Non-Prime users get 3% cashback on Amazon, instead of 5%.
  • Additional cashback on Amazon is applicable only for purchases made on Amazon India (amazon.in).
  • 2% cashback at over 100 partner merchants accepting Amazon Pay as a payment method.
  • 1% cashback on all other payments, except at fuel stations.
  • 1% surcharge waived on fuel purchases.
  • Reward points transferred as cashback to Amazon Pay balance.
  • The cashback earned is transferred as Amazon Pay balance to your Amazon Pay wallet.
  • No expiry date for Amazon Pay cashback.
  • No minimum amount is required for reward redemption.
  • Dining benefit as part of the bank’s Culinary Treats program.
  • 5% cashback (up to Rs. 150) on the first fuel purchase (of minimum Rs. 2,000) of the month.

See additional details for Amazon Pay ICICI Bank Credit Card

ICICI HPCL Super Saver Credit Card

Welcome Benefits

2,000 PAYBACK Points on realization of membership fee within 2 months and expenditure of a minimum of Rs. 5,000 within the first 45 days of card set up; Rs. 100 cashback on HP Pay app on first transaction of Rs. 1,000 or above made via the app.

Rewards Rate

4% cashback on fuel purchases at all HPCL stations, 5% cashback as PAYBACK points on utility and departmental store purchases, 2 PAYBACK points per Rs. 100 spent for all other domestic and international transactions.

Best Suited For

Fuel | Shopping |

Movie & Dining

25% discount (max Rs. 100 per transaction) on movie tickets booked on BookMyShow and Inox movies individually, dining benefits under the ICICI Bank Culinary Treats Program

Reward Redemption

25% discount (max Rs. 100 per transaction) on movie tickets booked on BookMyShow and Inox movies individually, dining benefits under the ICICI Bank Culinary Treats Program

Joining Fees

Rs. 500 (plus applicable taxes)

Product Details

  • Welcome benefit of 2,000 PAYBACK points, provided the card membership fee is paid within 2 months of card setup and a minimum amount of Rs. 5,000 is spent within the first 45 days.
  • Cashback of Rs. 100 on the HP Pay app wallet on the first transaction of a minimum of Rs. 1,000 made using the app.
  • 5% savings (4% cashback + 1% fuel surcharge waiver) on fuel purchases at HPCL stations (4% cashback capped at Rs. 200 per month).
  • 1.5% additional cashback on fuel purchases on HPCL outlets when you use HP Pay app.
  • Fuel surcharge waiver of 1% applicable over and above the aforementioned 4% cashback.
  • 5% cashback as PAYBACK points on utilities, groceries, and departmental store purchases. Maximum PAYBACK benefit capped at 400 PAYBACK points per payment cycle.
  • 2 PAYBACK Points every Rs. 100 spent on all other purchases.
  • Complimentary 24×7 Road Assistance Service (RAS).
  • Complimentary domestic airport lounge access.
  • 25% off on movie tickets on BookMyShow and Inox movies. Maximum discount capped at Rs. 100 per transaction.
  • Discount at partner restaurants with the ICICI Bank Culinary Treats Program.

See additional details for ICICI Bank HPCL Super Saver Credit Card

ICICI Bank HPCL Coral American Express Credit Card

Welcome Benefits

N/A

Rewards Rate

2 PAYBACK Points per Rs. 100 on all retail spends with the card, 3X (6) PAYBACK Points on fuel purchases at HPCL filling stations, 2.5% cashback up to Rs.100 on a minimum fuel purchase of Rs. 500 at all HPCL pumps.

Best Suited For

Fuel |

Movie & Dining

25% discount up to Rs. 100 on the purchase of a minimum of two movie tickets in a single transaction (max 2 times in a month), exclusive dining offers with the ICICI Bank Culinary Treats Program.

Reward Redemption

25% discount up to Rs. 100 on the purchase of a minimum of two movie tickets in a single transaction (max 2 times in a month), exclusive dining offers with the ICICI Bank Culinary Treats Program.

Joining Fees

Rs. 199 (plus applicable taxes)

Product Details

  • 6 PAYBACK Points per Rs. 100 spent on fuel purchase at HPCL pumps.
  • 2 PAYBACK Points per Rs. 100 on all other retail spendings.
  • 2.5% cashback (up to Rs. 100) on fuel purchases at HPCL pumps. A minimum transaction of Rs 500 is required to avail of the benefit.
  • 25% discount (up to Rs. 100) per transaction on a minimum purchase of two tickets.
  • Exclusive dining offers with the ICICI Bank Culinary Treats program.

Welcome Benefits

N/A

Rewards Rate

2 PAYBACK points per Rs. 100 spent

Best Suited For

Shopping |

Movie & Dining

Get a discount of 25% on movie tickets through BookMyShow & exclusive discount offers on dining through the Culinary Treats Programme.

Reward Redemption

Get a discount of 25% on movie tickets through BookMyShow & exclusive discount offers on dining through the Culinary Treats Programme.

Joining Fees

Rs. 199 (plus applicable taxes)

Product Details

  • Save 3.5% on fuel transactions (2.5% cashback and 1% fuel surcharge waiver).
  • Get 2 PAYBACK Points on every retail spend of Rs. 100.
  • A 25% discount on movies through BookMyShow.
  • Exciting discount offers on dining through the Culinary Treats Programme.
  • Earn fuel worth Rs. 500 for 2,000 Reward Points.
  • Easily redeemable PAYBACK Points, which can be redeemed through payback.in.
  • Spend-based renewal fee waiver.

See additional details for ICICI Bank HPCL Coral Credit Card

Welcome Benefits

N/A

Rewards Rate

2 PAYBACK Points for every Rs. 100 spent with the card

Best Suited For

Fuel |

Movie & Dining

Rs. 100 off on movie ticket bookings on BookMyShow (can be availed max twice in a month), minimum 15% savings on dining through ICICI Bank Culinary Treats Programme.

Reward Redemption

Rs. 100 off on movie ticket bookings on BookMyShow (can be availed max twice in a month), minimum 15% savings on dining through ICICI Bank Culinary Treats Programme.

Joining Fees

Rs. 199 (plus applicable taxes)

Product Details

  • 2 PAYBACK points on every Rs. 100 spent on all retail purchases except fuel.
  • 2.5% cashback on fuel purchases at HPCL pumps (maximum cashback of Rs. 100).
  • Exclusive dining offers and a minimum discount of 15% on dining bills at partner restaurants under the ICICI Bank Culinary Treats Program.
  • Card renewal fee is waived off on the expenditure of a minimum of Rs. 50,000 in the previous year.

See additional details for ICICI Bank HPCL Platinum Credit Card

InterMiles ICICI Bank Sapphiro Credit Card

Welcome Benefits

1 year InterMiles Silver Tier membership with 10,000 bonus InterMiles, a discount of Rs. 750 on flight bookings and Rs. 1,500 on hotel bookings (AmEx variant), a discount of Rs. 500 on flight bookings and Rs. 1,000 on hotel reservations (Visa variant).

Rewards Rate

5 InterMiles/Rs. 100 on domestic and 7 InterMiles/Rs. 100 on international spends (AmEx variant), 4 InterMiles/Rs. 100 domestic and 5 InterMiles/Rs. 100 on international spends (Visa variant), Accelerated InterMiles on bookings on the InterMiles official website

Best Suited For

Travel |

Movie & Dining

Buy one movie ticket and get up to Rs. 500 off on second ticket on BookMyShow (max 2 times a month), dining benefits with the Culinary Treats program

Reward Redemption

Buy one movie ticket and get up to Rs. 500 off on second ticket on BookMyShow (max 2 times a month), dining benefits with the Culinary Treats program

Joining Fees

Rs. 5,000 (plus applicable taxes)

Product Details

  • InterMiles Silver Tier membership and 10,000 bonus Intermiles as a welcome gift.
  • Joining benefit of a discount of Rs. 750 on flight bookings and Rs. 1,500 on hotel reservations.
  • Annual benefit of 5,000 InterMiles, a discount voucher worth Rs. 500 on flight tickets and Rs. 1,000 on hotel bookings.
  • 5 InterMiles on domestic and 7 InterMiles on international spends on every Rs. 100 spent on the American Express variant.
  • 12.5 InterMiles for Etihad Airways ticket bookings and 10 InterMiles for other flight/hotel spends for every Rs. 100 spent on the American Express variant.
  • 4 InterMiles on domestic and 5 InterMiles on international spends on every Rs. 100 spent on the Visa variant.
  • 10 InterMiles for Etihad Airways ticket bookings and 8 InterMiles for other flight/hotel spends for every Rs. 100 spent on the Visa variant.
  • Complimentary DreamFolks membership with 2 complimentary international lounge visits every year and 2 complimentary domestic airport spa visits every year.
  • 2 complimentary domestic lounge access with both Visa and AmEx variants if Rs. 5,000 spent in the previous quarter.
  • Buy one and get up to Rs. 500 off on the second movie ticket on BookMyShow (twice every month).
  • One complimentary round of golf for every Rs. 50,000 spent in the previous month.
  • Dining benefits under the Culinary Treats program.
  • 24×7 concierge service.
  • 1% fuel surcharge waiver at all fuel stations across India.

See additional details for InterMiles ICICI Bank Sapphiro Credit Card

Welcome Benefits

5,000 bonus InterMiles, flight discount voucher worth Rs. 500 and hotel discount voucher worth Rs. 1,000

Rewards Rate

3 InterMiles per Rs. 100 on domestic spends, 4 InterMiles per Rs. 100 on international spends with the Visa variant; 4 InterMiles per Rs. 100 on domestic spends, 5 InterMiles per Rs. 100 on international spends the American Express variant, 1 InterMile per Rs. 100 on insurance and utility spends

Best Suited For

Travel |

Movie & Dining

25% discount (max Rs. 150 per month) on movie tickets on BookMyShow & up to 15% discount on dining through the Culinary Treats Programme.

Reward Redemption

25% discount (max Rs. 150 per month) on movie tickets on BookMyShow & up to 15% discount on dining through the Culinary Treats Programme.

Joining Fees

Rs. 2,500 (plus applicable taxes)

Product Details

  • Up to 10 InterMiles on every Rs. 100 spent with the American Express variant and up to 7.5 InterMiles for every Rs. 100 spent with the Visa variant.
  • Accelerated InterMiles on flight bookings through intermiles.com.
  • 5,000 bonus InterMiles as a welcome benefit.
  • 2,500 Intermiles as a renewal benefit.
  • 2 complimentary domestic airport lounge access every quarter (if a minimum of Rs. 5,000 were spent in the previous quarter).
  • Up to 25% discount (up to Rs. 150) on booking 2 movie tickets in a single transaction on BookMyShow (max two times a month).
  • Exclusive discounts on dining bills at partner restaurants through the ICICI Bank Culinary Treats Programme.
  • 24*7 concierge services for assistance regarding hotel/flight bookings, table reservations, flower/gift delivery, etc.
  • Get a 1% fuel surcharge waiver at all fuel stations across India.

See additional details for InterMiles ICICI Bank Rubyx Credit Card

Welcome Benefits

Apple MacBook Air MMGG2HN/A worth Rs. 75,000 on realization of the joining fee

Rewards Rate

6 PAYBACK Points per Rs. 100 on international spends and 3 PAYBACK Points per Rs. 100 on domestic spends.

Best Suited For

Movies | Travel |

Movie & Dining

Up to 4 complimentary movie tickets each month on BookMyShow, minimum 15% discount on dining bills at partner restaurants under Culinary Treats program, discount on dining at ITC and partner hotels with Club ITC Culinaire membership

Reward Redemption

Up to 4 complimentary movie tickets each month on BookMyShow, minimum 15% discount on dining bills at partner restaurants under Culinary Treats program, discount on dining at ITC and partner hotels with Club ITC Culinaire membership

Joining Fees

Rs. 1,25,000 (plus applicable taxes)

Product Details

  • Apple MacBook Air MMGG2HN/A as a welcome gift on the realization of the joining fee.
  • 6 PAYBACK Points per Rs. 100 on international spends.
  • 3 PAYBACK points per Rs. 100 on domestic spends.
  • Up to 4 complimentary movie tickets every month on BookMyShow.
  • A minimum discount of 15% on dining bills at partner restaurants with the Culinary Treats program.
  • Discounts on dining bills at ITC hotels and partner hotels with Club ITC Culinaire membership.
  • Unlimited complimentary domestic & international lounge access for both primary and guest cardholder(s).
  • Unlimited complimentary golf rounds at premium golf courses across India.
  • Complimentary Taj Epicure Plus and InnerCircle Gold membership.
  • Travel-related insurance benefits including a personal air accident cover worth Rs. 3 crore and Credit shield cover worth Rs. 50,000.
  • 24×7 concierge service for assistance regarding hotel/flight bookings, medical services and emergency auto assistance.

See additional details for ICICI Bank Diamant Credit Card

Welcome Benefits

You get exclusive flights and hotels discount vouchers on booking from partner brand, www.intermiles.com, as a welcome benefit. You also get 2,500 bonus InterMiles on joining.

Rewards Rate

3 Intermiles on Rs. 100 spent on the American Express variant and 2 Intermiles per Rs. 100 spent on the VISA variant, 6 InterMiles on every Rs. 100 spent on booking revenue airline tickets at intermiles.com on American Express variant and 5 InterMiles per Rs. 100 on VISA variant.

Best Suited For

Travel |

Movie & Dining

25% discount up to Rs. 100 on purchase of movie tickets twice a month from BookMyShow, exclusive and exciting benefits on dining under ICICI Bank Culinary Treats Program.

Reward Redemption

25% discount up to Rs. 100 on purchase of movie tickets twice a month from BookMyShow, exclusive and exciting benefits on dining under ICICI Bank Culinary Treats Program.

Joining Fees

Rs 1,250 (plus applicable taxes)

Product Details

  • Get 2,500 bonus InterMiles and flight & hotel discount vouchers worth Rs. 750 as welcome benefits.
  • Get 1,250 bonus InterMiles every year as a renewal benefit.
  • Earn up to 7.5 InterMiles on a minimum spend of Rs. 100 for booking Etihad flight tickets through www.intermiles.com.
  • Earn accelerated InterMiles on flight and hotel booking from www.intermiles.com.
  • Get complimentary access to a domestic airport lounge every quarter.
  • A discount of up to Rs. 100 on movies on BookMyShow.
  • 15% or more discount on dining.
  • 1% fuel surcharge waiver.

See additional details for InterMiles ICICI Bank Coral Credit Card

Welcome Benefits

N/A

Rewards Rate

2 PAYBACK Points per Rs. 100 spent with the card

Best Suited For

Movies | Dining |

Movie & Dining

Up to 2 free movie tickets every month, a discount of 15% or more on dining.

Reward Redemption

Up to 2 free movie tickets every month, a discount of 15% or more on dining.

Joining Fees

Rs. 1,000 (plus applicable taxes)

Product Details

  • Highly secure credit card for online transactions.
  • Get 2 PAYBACK Points per Rs. 100 spent using your ICICI Bank Carbon Credit Card.
  • Up to 3 free movie tickets every month.
  • Get a 15% or more discount on dining.
  • Get complimentary airport lounge access every quarter.
  • Up to Rs. 1,500 off on flight bookings.
  • A 10% discount on hotel bookings.
  • 5% fuel surcharge waiver.

See additional details for ICICI Bank Carbon Credit Card

Welcome Benefits

30,000 hand-picked rewards.

Rewards Rate

On every spend of Rs. 100, you get 5 hand-picked rewards on international spends, 4 hand-picked rewards on travel bookings, 2 hand-picked rewards on hotels & restaurants, and 1 hand-picked reward elsewhere. 2X rewards on all categories for spends above Rs. 5 lakhs.

Best Suited For

Shopping |

Movie & Dining

N/A

Reward Redemption

N/A

Joining Fees

Rs. 25,000 (plus applicable taxes)

Product Details

  • Up to 10 hand-picked rewards on every spend of Rs. 100.
  • Welcome benefit of 30,000 hand-picked rewards.
  • Get a complimentary Priority Pass Membership.
  • 1 complimentary golf round every month.
  • 24*7 personal concierge service.
  • Shopping vouchers worth Rs. 1000 for every 1250 Hand-picked Rewards.
  • Redeem your Hand-Picked rewards against various options from the Hand-picked Rewards catalog.

See additional details for ICICI Bank VISA Signature Credit Card

Welcome Benefits

A Scuderia Ferrari Watch.

Rewards Rate

2 PAYBACK Points on every Rs. 100 you spend.

Best Suited For

Movies | Travel |

Movie & Dining

Buy 1 Get 1 Free offer on movies on BookMyShow & a minimum discount of 15% on dining.

Reward Redemption

Buy 1 Get 1 Free offer on movies on BookMyShow & a minimum discount of 15% on dining.

Joining Fees

Rs. 3,999

Product Details

  • Welcome gift of a Scuderia Ferrari Watch.
  • 2 PAYBACK Points on every spend of Rs. 100.
  • Up to 2 complimentary movie tickets every month.
  • A discount of 15% or more on dining across 2,500+ premium restaurants.
  • 2 complimentary domestic lounge access every quarter.
  • Top spenders get exclusive privileges, including a trip to the Ferrari home in Italy.
  • Up to 20% off on Ferrari merchandise.
  • Spend-based waiver of the annual membership fee.
  • 1% fuel surcharge waiver at all HPCL pumps.

See additional details for ICICI Bank Ferrari Signature Credit Card

ICICI Bank Platinum Identity Credit Card

Welcome Benefits

N/A

Rewards Rate

2 Hand-picked Rewards per Rs. 200 on domestic spends, 4 Hand-picked Rewards per Rs. 200 on international spends, 3 and 5 Hand-picked Rewards per Rs. 200 on domestic and international spends respectively on crossing the annual spends threshold of Rs. 2.5 lakh, 4 and 8 hand-picked rewards on domestic and international spends respectively on crossing the annual spends threshold of Rs. 5 lakh

Best Suited For

Shopping |

Movie & Dining

N/A

Reward Redemption

N/A

Joining Fees

Rs. 2,000 (plus applicable taxes)

Product Details

  • 2 Hand-picked Rewards per Rs. 200 on domestic spends and 4 Hand-picked Rewards per Rs. 200 on international spends.
  • Accelerated Hand-picked Rewards on crossing the stipulated spends thresholds.
  • 24×7 i-Assist (ICICI Bank’s concierge service) support for assistance regarding hotel/flight bookings, hotel reservations, gift deliveries, etc.
  • Fuel surcharge waived at all petrol pumps across India.

See additional details for ICICI Bank Platinum Identity Credit Card

Welcome Benefits

N/A

Rewards Rate

2 PAYBACK Points on every retail spend of Rs. 100

Best Suited For

Dining |

Movie & Dining

Up to 15% off on dining through the ICICI Bank Culinary Treats Programme.

Reward Redemption

Up to 15% off on dining through the ICICI Bank Culinary Treats Programme.

Joining Fees

Rs. 199

Product Details

  • Earn 2 PAYBACK Points on every spend of Rs. 100 on retail purchases.
  • Earn 1 PAYBACK Point on every Rs. 100 spent on insurance & utilities.
  • 2.5% fuel surcharge waiver at all HPCL pumps.
  • Exciting discount offers on dining through the Culinary Treats Programme.
  • Spend-based waiver of annual fee.

See additional details for ICICI Bank Platinum Chip Credit Card

ICICI Bank Expressions Credit Card

Welcome Benefits

N/A

Rewards Rate

3 PAYBACK Points per Rs. 100 spent with the card (except fuel, utility and insurance spends), 2 PAYBACK Points per Rs. 100 on utility payments

Best Suited For

Shopping |

Movie & Dining

25% discount (up to Rs. 100) on movie ticket bookings on BookMyShow on booking a minimum of 2 tickets in a single transaction. Offer can be availed maximum twice in a month.

Reward Redemption

25% discount (up to Rs. 100) on movie ticket bookings on BookMyShow on booking a minimum of 2 tickets in a single transaction. Offer can be availed maximum twice in a month.

Joining Fees

Rs. 500 (plus applicable taxes)

Product Details

  • You can personalize the credit card design and look and make it unique as per your liking. You can choose from the given designs on the bank’s website or you can even have your own picture on your credit card.
  • 3 PAYBACK Points per Rs. 100 spent with the card (except fuel, utilities and insurance spends)
  • 1 PAYBACK Point on utilities and insurance spends..
  • 25% discount up to Rs. 100 on movie tickets (minimum 2 tickets in a single transaction) on BookMyShow twice a month.
  • 1 complimentary domestic airport lounge access per quarter.
  • Exclusive dining offers under ICICI Bank Culinary Treats Program.

See additional details for ICICI Bank Expressions Credit Card

Welcome Benefits

As a welcome benefit, you get a branded football from Manchester United and a Duffle bag.

Rewards Rate

You get 3 PAYBACK points on domestic transactions, 4 PAYBACK points on international transactions, and up to 5 PAYBACK points on the Manchester United match day.

Best Suited For

Movies | Travel |

Movie & Dining

Get up to 25% discount on Movie Ticket booking with BookMyShow and INOX. You also get access to exclusive dining offers with ICICI Bank Culinary Treats Programme.

Reward Redemption

Get up to 25% discount on Movie Ticket booking with BookMyShow and INOX. You also get access to exclusive dining offers with ICICI Bank Culinary Treats Programme.

Joining Fees

Rs. 2,499 (plus applicable taxes)

Product Details

  • Get Man Utd Branded Football along with a Duffle Bag as a Welcome Gift with ICICI Manchester United Signature credit card.
  • Get up to 5 Payback Points on every Rs. 100 you spend.
  • 2 complimentary domestic lounges per calendar quarter.
  • Top 18 spenders get exclusive access to the “Manchester United Experience”
  • 25% discount up to Rs. 150 on movie tickets on BookMyShow & Inox.
  • A discount of 15% or more on dining.
  • 1% Fuel Surcharge Waiver on all fuel transactions at HPCL fuel stations.
  • Spend Based Waiver of the annual fee.

Welcome Benefits

Complimentary Manchester United Branded Football on card activation

Rewards Rate

2 PAYBACK Points for every Rs. 100 spent with the card, 3 PAYBACK Points per Rs. 100 spent on Manchester United match days.

Best Suited For

Shopping |

Movie & Dining

Buy 1 Get 1 offer on movie ticket bookings on BookMyShow and INOX individually (max 2 free tickets on BookMyShow and INOX individually)

Reward Redemption

Buy 1 Get 1 offer on movie ticket bookings on BookMyShow and INOX individually (max 2 free tickets on BookMyShow and INOX individually)

Joining Fees

Rs. 499 (plus applicable taxes)

Product Details

  • 2 PAYBACK Points on Every Domestic/International transaction of Rs. 100.
  • 3 PAYBACK Points per Rs. 100 spent on Manchester United match days.
  • Complimentary Manchester United Branded Football as a Welcome Gift.
  • 1 Complimentary domestic lounge access per quarter.
  • Buy 1 Get 1 offer on movie tickets on BookMyShow and INOX (max 2 tickets per month on BookMyShow and INOX individually).
  • Exclusive discount on dining bills at partner restaurants under the ICICI Bank Culinary Treats program.

Welcome Benefits

Get 1,500 My Cash, MakeMyTrip holiday voucher worth Rs. 2,500, and MMTBLACK enrolment.

Rewards Rate

1.25 My Cash on every domestic spend of Rs. 200. 1.5 My Cash on every international spend of Rs. 200.

Best Suited For

Travel |

Movie & Dining

A discount of 25% on movie tickets through Bookmyshow & Inox Exclusive discount offers on dining through the Culinary Treats Programme of ICICI Bank.

Reward Redemption

A discount of 25% on movie tickets through Bookmyshow & Inox Exclusive discount offers on dining through the Culinary Treats Programme of ICICI Bank.

Joining Fees

Rs. 2,500 (plus applicable taxes)

Product Details

  • Get 1.25 My Cash on every Rs. 200 you spend on domestic purchases outside MakeMyTrip.
  • 1.5 My Cash on every Rs. 200 spent on international purchases outside MakeMyTrip.
  • 2 My Cash on every Rs. 200 spent on flight bookings through MakeMyTrip.
  • 4 My CashPoints on every Rs. 200 spent on hotel or holiday bookings through MakeMyTrip.
  • Welcome benefit of 1,500 My Cash and a holiday voucher worth Rs. 2,500.
  • Get 2 complimentary domestic lounge access per quarter.
  • Get 1 complimentary railway lounge access per quarter.

See additional details for MakeMyTrip ICICI Bank Signature Credit Card

Welcome Benefits

Rs. 500 My Cash and MakeMyTrip holiday voucher worth Rs. 3,000

Rewards Rate

Rs. 3 My Cash per Rs. 200 on hotel/holiday bookings on MMT, Rs. 2 My Cash on flight bookings on MMT, Rs. 1.25 My Cash on all international spends outside MMT, Re. 1 My Cash on all domestic spends outside MMT

Best Suited For

Travel |

Movie & Dining

25% discount (up to Rs. 100) on movie tickets on booking 2 tickets in a single transaction on BookMyShow and INOX (max 2 times in a month)

Reward Redemption

25% discount (up to Rs. 100) on movie tickets on booking 2 tickets in a single transaction on BookMyShow and INOX (max 2 times in a month)

Joining Fees

Rs. 500 (plus applicable taxes)

Product Details

  • Rs. 500 My Cash and Rs. 3,000 holiday voucher as a joining benefit.
  • Extended validity of 1.5 years on the Joining Benefit My Cash.
  • Bonus My Cash on achieving the stipulated spends-based milestones.
  • 25% discount on movie tickets on BookMyShow and INOX on booking two tickets in a single transaction (offer applicable max twice in a month).
  • Exclusive dining offers with ICICI Culinary Treats Program.
  • 1 complimentary domestic airport lounge access per quarter if a minimum of Rs. 5,000 were spent in the previous quarter.
  • 1 complimentary railway lounge access each quarter.

See additional details for MakeMyTrip ICICI Bank Platinum Credit Card

ICICI Bank British Airways Credit Card

Welcome Benefits

British Airways Executive Club membership and 8,000 Avios

Rewards Rate

6 Avios per Rs. 100 on British Airways tickets and in-flight shopping, 4 Avios per Rs. 100 on all other spends with the AmEx variant, accelerated Avios (up to 9 Avios per Rs. 100 spent) on achieving the stipulated spends milestones (on AmEx variant), 1 Avios per Rs. 100 spent with the MasterCard variant.

Best Suited For

Travel |

Movie & Dining

Up to 3 complimentary movie tickets per month from BookMyShow, minimum 15% off on dining bills at partner restaurants under ICICI Culinary Treats Program.

Reward Redemption

Up to 3 complimentary movie tickets per month from BookMyShow, minimum 15% off on dining bills at partner restaurants under ICICI Culinary Treats Program.

Joining Fees

Rs. 7,000 (plus applicable taxes)

Product Details

  • You get 2 credit cards together- 1 MasterCard variant and 1 American Express variant.
  • The card earns you rewards an Avios (British Airways AirMiles program).
  • British Airways Executive Club membership and 8,000 Avios as a welcome benefit on using the American Express variant of the card for the first time.
  • 25,000 Avios on booking the first return ticket from India to London within 3 months of card issuance.
  • 4 Avios per Rs. 100 on everyday spends and 6 Avios per Rs. 100 on British Airways tickets and in-flight shopping with the American Express variant.
  • Accelerated Avios (up to 9 Avios per Rs. 100) on achieving the stipulated spends milestones with the American Express variant.
  • 1 Avios per Rs. 100 spent with the MasterCard variant of the card.
  • Up to 3 movie tickets each month from BookMyShow on achieving the stipulated spends based milestones.
  • Minimum 15% discount on dining bills on at partner restaurants under ICICI Bank’s Culinary Treats Program.

Welcome Benefits

Welcome bonus of 3,500 Avios.

Rewards Rate

0.5 Avios on every Rs. 100 spent with Mastercard variant, 2.5 Avios per Rs. 100 spent on British Airways Flight bookings and 2 Avios per Rs. 100 spent on all other spends with Amex Variant.

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs. 3,500

Product Details

  • Enjoy the benefits of two cards with a single account.
  • Welcome bonus of 3,500 Avios with your ICICI Bank British Airways Classic Credit Card.
  • Earn 25,000 Avios on booking a British Airways flight within the first three months.
  • Earn up to 5 Avios on every Rs. 100 you spend on British Airways.
  • Earn up to 4 Avios on every regular spend of Rs. 100.
  • Redeem your earned Avios against flight/hotel bookings.
  • 1% fuel surcharge waiver.

Welcome Benefits

Complimentary roadside repair services, car wash, general checkup, etc for the first year.

Rewards Rate

2 PAYBACK Points on every Rs. 100 spent

Best Suited For

Travel |

Movie & Dining

Get a 25% discount up to Rs. 100 on movie tickets through Bookmyshow & Inox. Get exclusive dining benefits through the ICICI Bank Culinary Treats Programme.

Reward Redemption

Get a 25% discount up to Rs. 100 on movie tickets through Bookmyshow & Inox. Get exclusive dining benefits through the ICICI Bank Culinary Treats Programme.

Joining Fees

Rs. 499 (plus applicable taxes)

Product Details

  • Get 2 PAYBACK Points on every Rs. 100 you spend.
  • An additional cashback of 2.5% on fuel purchases from HPCL pumps.
  • Spend-based annual fee waiver.
  • Get a complimentary car wash.
  • Get complimentary 24*7 roadside assistance.
  • 1 complimentary airport lounge access every quarter.
  • 25% discount on movies through Bookmyshow.
  • A discount of 15% or more on dining.

See additional details for Accelero ICICI Bank Credit Card

ICICI Bank Instant Platinum Credit Card

Welcome Benefits

N/A

Rewards Rate

2 PAYBACK Points on every spend of Rs. 100.

Best Suited For

Movies | Shopping |

Movie & Dining

25% discount (up to Rs. 100) on movie tickets on booking a minimum of 2 tickets in a single transaction on BookMyShow. Discount can be availed for a maximum of two times in a month.

Reward Redemption

25% discount (up to Rs. 100) on movie tickets on booking a minimum of 2 tickets in a single transaction on BookMyShow. Discount can be availed for a maximum of two times in a month.

Joining Fees

Nil

Product Details

  • It is a secured credit card issued against a fixed deposit.
  • 2 PAYBACK Points per Rs. 100 spent with the card (except on utilities, insurance and fuel).
  • 1 PAYBACK Point per Rs. 100 spent on fuel purchases.
  • Minimum 15% discount on dining bills at partner restaurants with ICICI Bank Culinary Treats Program.
  • 25% discount on movie tickets on BookMyShow on purchasing 2 movie tickets in a single transaction (max twice in a month).
  • 1% surcharge waived on fuel purchases at all fuel stations across India on transactions of up to Rs. 4,000.

See additional details for ICICI Bank Instant Platinum Credit Card

Welcome Benefits

NA

Rewards Rate

A cashback of 1% on all retail spends and 5% on exclusive partner brands.

Best Suited For

Dining |

Movie & Dining

2-month complimentary subscription to EazyDiner prime membership (with Premium Plan) of  ICICI Bank Mine credit card.

Reward Redemption

2-month complimentary subscription to EazyDiner prime membership (with Premium Plan) of  ICICI Bank Mine credit card.

Joining Fees

For Starter Plan – Nil
For Pro Plan – Rs 49 per month
For Premium Plan – Rs 149 per month

Product Details

  • Choose one out of the three plans as per your requirements.
  • Save up to 5% on your spends.
  • 2-month complimentary subscription to EazyDiner Prime Membership.
  • 6-month free membership of Mindhouse App.
  • Complimentary domestic airport and railway lounge access.
  • Spend-based waiver of monthly membership fee.
  • Exclusive offers on grocery, travel, food, fashion, and E-marketplace.

See additional details for ICICI Bank Mine Credit Card

Top 10 Credit Cards by ICICI Bank:

Super Premium Credit Card:

ICICI Bank Emeralde Credit Card: The Emeralde credit card is the top-end offering by the bank. The card comes in two variants – the MasterCard and the American Express variant. ICICI targets High Net-Worth Individuals (HNIs) with this credit card as it offers best-in-class privileges like unlimited domestic and international lounge access, lower interest rate and forex mark-up, air accident cover worth Rs. 3 crore and many other benefits that one expects from a premium credit card. The Emeralde card is in direct competition with HDFC’s Infinia credit card. One unique feature of this credit card that differentiates it from most other cards in the market is that you get the choice to opt for either the monthly or the annual membership plan.

Premium Credit Card:

ICICI Bank Sapphiro Credit Card: It is the second most premium offering by the bank. It also comes in two variants – the MasterCard and the AmEx variant. Unlike the Emeralde card, the regular interest rate of 3.4% p.m. and forex mark-up fee of 3.5% is applicable for the Sapphiro credit card; however, as it is a premium credit card, you do get premium benefits including complimentary rounds of golf, (limited) domestic and international lounge access, a complimentary air travel insurance cover, 24×7 concierge service, and a fairly good reward rate.

Lifestyle Credit Cards:

ICICI Bank Rubyx Credit Card: The Rubyx credit card by the ICICI bank is a mid-level card and one of the most popular offerings in the lifestyle category. The card is offered in two variants – American Express and MasterCard variants and comes with an annual fee of Rs. 3,000. You get a decent reward rate along with other benefits like discounted movie tickets, complimentary domestic airport lounge access, complimentary rounds of golf, etc. with this credit card.

ICICI Bank Coral Credit Card: It is an entry-level offering by the bank in the lifestyle category and comes with a nominal annual membership fee of Rs. 500. Although the reward rate is quite low, you get all the benefits one can expect from an entry-level credit card including movie and dining discounts, domestic airport and railway lounge access, fuel surcharge waiver, etc.

Shopping Credit Cards:

Amazon Pay ICICI Bank Credit Card: Launched in October 2018 in partnership with Amazon India and Visa, the Amazon Pay ICICI Bank Credit Card became one of the most popular, if not the most popular shopping credit card in the country. The card offers quite a high reward rate to online shoppers (especially those who love to shop on Amazon). The deal becomes even sweeter if you’re an Amazon Prime member. Unlike other ICICI bank credit cards, which earn you reward points as PAYBACK points, this one earns you reward points as Amazon Pay balance which is transferred to your Amazon Pay account at the end of each month and can be redeemed at any online/offline store that accepts Amazon Pay as a payment method.

ICICI Mine Credit Card: It is a cashback credit card. The unique feature of this card is that it comes in three monthly membership plans- the free plan, Rs. 49 plan and Rs. 149 plan. The bank touts it as the country’s first flexi-plan credit card that is tailored for the needs of the customers. The free plan earns you a 1% cashback on all the spends, while the Rs. 49 and Rs. 149 plans earn you 5% cashback on purchases made at select popular merchants. The paid variants also provide you a few extra benefits including complimentary airport lounge visits, instant discount at select retail outlets, a higher monthly cashback cap, etc.

Travel Credit Cards:

InterMiles ICICI Bank Sapphiro Credit Card: The InterMiles Sapphiro credit card is a premium travel card by the ICICI bank. You earn reward points as InterMiles on all spends using the card, and accelerated reward points on travel spends on the InterMiles portal, particularly on Etihad Airways ticket bookings. Apart from the InterMiles the card also offers a plethora of other benefits including complimentary domestic and international airport lounge access, movie and dining benefits, golf privileges, etc. The card is powered by American Express and you have to pay an annual fee of Rs. 5,000 for this card.

MakeMyTrip ICICI Bank Signature Credit Card: It is a co-branded credit card offered by the bank in collaboration with MakeMyTrip. You earn reward points as My Cash which can be redeemed for air ticket bookings, hotel reservations and other travel-related expenses on MakeMyTrip. Since it is a travel credit card, you also get other benefits including (limited) complimentary domestic and international lounge visits, complimentary Airtel international roaming pack worth Rs. 3,999 for 10 days.

Fuel Credit Cards:

ICICI Bank HPCL Super Saver Credit Card: It is the latest credit card launched by ICICI bank in collaboration with Hindustan Petroleum Corporation Limited (HPCL). The unique feature of this credit card is, although it is a fuel credit card, it earns you accelerated reward points (PAYBACK Points) on other categories of spends as well like utility and grocery spends. It is an entry-level credit card and comes with a nominal membership fee of just Rs. 500 per annum. Apart from reward points, you get a few other benefits like complimentary (limited) domestic lounge access, roadside assistance service, movie and dining benefits with this card that most other entry-level credit cards don’t offer.

ICICI Bank HPCL Coral Credit Card: It is another entry-level fuel credit card that comes at a very nominal annual fee of just Rs. 199. You earn 2 PAYBACK Points on all spends made with the card and an additional discount of 2.5% (apart from the 1% surcharge waiver) on fuel purchases at HPCL filling stations across the country.

Reward Points and Cashback Benefits:

The following table summarises the reward point and/or cashback benefits that you get with the aforementioned top 10 ICICI bank credit cards:

Credit Card Reward Points / Cashback Benefit
ICICI Bank Emeralde Credit Card 4 PAYBACK points on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 PAYBACK point on every Rs. 100 spent on utilities and insurance.
ICICI Bank Sapphiro Credit Card 6 PAYBACK points on every Rs 100 (except fuel, utilities and insurance spends), 1 PAYBACK point on every Rs 100 spent on fuel, utilities and insurance categories for MasterCard variant.
50% extra reward points on the AmEx variant.
ICICI Bank Rubyx Credit Card 2 PAYBACK Points per Rs. 100 on domestic spends & 4 PAYBACK Points per Rs. 100 on international spends for the MasterCard variant.
3 PAYBACK Points per Rs. 100 on domestic spends & 6 PAYBACK Points per Rs. 100 on international spends for the American Express Credit variant.
ICICI Bank Coral Credit Card 2 PAYBACK Points per Rs. 100 spent except on fuel, utilities and insurance spends.
1 PAYBACK Point per Rs. 100 on utilities and insurance spends.
No PAYBACK Points on fuel purchases.
Amazon Pay ICICI Bank Credit Card 5% cashback on Amazon India for Prime members and 3% cashback for Non-Prime members.
2% cashback on partner merchants accepting Amazon Pay.
1% cashback on all other payments except fuel purchases.
ICICI Mine Credit Card 1% cashback on all spends with the free variant.
5% cashback on popular brands like Amazon Prime, Big Basket, BookMyShow, Gaana, Grofers, Inox, Ola, PVR, Swiggy, Zomato and 1% cashback on all other spends with the PRO 49 variant.
5% cashback on key brands- Amazon, Amazon Prime, Big Basket, BookMyShow, Fitternity, Furlenco, Gaana, Grofers, Goibibo, Inox, MakeMyTrip, Myntra, Ola, PVR, Swiggy, Zomato and 1% cashback on all other spends with the PRO 149 variant.
InterMiles ICICI Bank Sapphiro Credit Card 5 InterMiles/Rs. 100 on domestic and 7 InterMiles/Rs. 100 on international spends (AmEx variant).
4 InterMiles/Rs. 100 domestic and 5 InterMiles/Rs. 100 on international spends (Visa variant).
Accelerated InterMiles on bookings on InterMiles official website.
MakeMyTrip ICICI Bank Signature Credit Card 4 My Cash per Rs.200 on hotel reservations on MakeMyTrip.
2 My Cash on flight tickets on MakeMyTrip.
1.25 My Cash on all other domestic and international spends.
ICICI Bank HPCL Super Saver Credit Card 4% cashback on fuel purchases at all HPCL stations.
5% cashback as PAYBACK points on utility and departmental store purchases.
2 PAYBACK points per Rs. 100 spent for all other domestic and international transactions.
ICICI Bank HPCL Coral Credit Card 2 PAYBACK points per Rs. 100 spent except on fuel purchases.

Airport Lounge Access:

The table below summarizes the complimentary domestic and international airport lounge access that you get with these ICICI bank credit cards-

Credit Card Complimentary Domestic Lounge Access Complimentary International Lounge Access
ICICI Bank Emeralde Credit Card Unlimited Unlimited
ICICI Bank Sapphiro Credit Card 2/quarter with each of MasterCard and American Express variant 2 every year
ICICI Bank Rubyx Credit Card 1 per quarter None
ICICI Bank Coral Credit Card 1 per quarter on spending Rs. 5,000 None
Amazon Pay ICICI Bank Credit Card None None
ICICI Mine Credit Card 1 per month with PREMIUM 149 variant None
InterMiles ICICI Bank Sapphiro Credit Card 2 per quarter on spending Rs. 5,000 in the previous quarter 2 per year
MakeMyTrip ICICI Bank Signature Credit Card 1 per quarter on spending Rs. 5,000 in the previous quarter None
ICICI Bank HPCL Super Saver Credit Card Complimentary lounge access Complimentary Lounge access
ICICI Bank HPCL Coral Credit Card None None

Membership Fee:

Credit Card Joining Fee Renewal Fee Spends Based Waiver
ICICI Bank Emeralde Credit Card Rs. 1,000 / month or Rs. 12,000 / annum Rs. 1,000 / month or Rs. 12,000 / annum Monthly fee waived on spending Rs. 1,00,000 in the previous month.
Annual fee waived on spendsing Rs. 15,00,000 in the previous year.
ICICI Bank Sapphiro Credit Card Rs. 6,500 Rs. 3,500 Waived off on annual spends of Rs. 6 lakh.
ICICI Bank Rubyx Credit Card Rs. 3,000 Rs. 2,000 Waived off on annual spends of Rs. 6 lakh.
ICICI Bank Coral Credit Card Rs. 199 Rs. 199 Waived off on annual spends of Rs. 50,000 in the previous year.
Amazon Pay ICICI Bank Credit Card Nil Nil N/A
ICICI Mine Credit Card Nil for STARTER
Rs. 49 for PRO 49
Rs. 149 for PREMIUM 149
Nil for STARTER
Rs. 49 for PRO 49
Rs. 149 for PREMIUM 149
Monthly spends of Rs. 10,000 for fee reversal on the PRO 49 variant.
Monthly spends of Rs. 20,000 for fee reversal on the PREMIUM 149 variant.
InterMiles ICICI Bank Sapphiro Credit Card Rs. 5,000 Rs. 5,000 N/A
MakeMyTrip ICICI Bank Signature Credit Card Rs. 2,500 Nil N/A
ICICI Bank HPCL Super Saver Credit Card Rs. 500 Rs. 500 Waived on expenditure of Rs. 1.5 lakh in the previous year.
ICICI Bank HPCL Coral Credit Card Rs. 199 Rs. 199 Annaul fee waived off on annual spends of Rs. 50,000 inthe preceding year.

Documents Required:

The bank requires an identity proof, an address proof and a proof of income to process your credit card application. The following table illustrates the documents accepted as identity proof, address proof and proof of your income.

Identity Proof Address Proof Proof of Income
  • Voter Card
  • Aadhar Card
  • Driving License
  • PAN Card
  • Passport
  • Aadhar card
  • Passport
  • Utility Bills
  • Audited ITR Acknowledgement
  • Salary Slips

How to apply for ICICI Bank Credit Cards:

To apply for the ICICI bank credit cards-

  • Go to the credit cards homepage on the bank’s website.
  • Choose the credit card you want to apply for.
  • Click/tap on the “Apply Online” option.
  • You’ll need to submit the aforementioned documents to complete your application.
  • Once your application is submitted, the bank officials will evaluate your application, and if approved, the card will be mailed to you at your address.

FAQs:

ICICI Bank has partnered with the country’s largest loyalty program, PAYBACK to process the reward points earned by the cardholders. You earn PAYBACK points with most ICICI Credit Cards.

No, you don’t earn PAYBACK Points with the Amazon Pay ICICI Bank credit card. You earn Amazon Pay balance instead.

Yes, a redemption fee of Rs. 99 per redemption request is applicable for redeeming the PAYBACK points.

The PAYBACK points earned can be redeemed for a variety of expenditure categories including movies, travel (hotel/flight bookings), lifestyle products, mobiles, etc on the PAYBACK reward redemption portal. You can also convert the PAYBACK Points into cash gat get them adjusted against your card’s statement balance. 1 PAYBACK Point = Rs. 0.25.

No, you don’t earn PAYBACK Points with the InterMiles Sapphiro credit card. You earn rewards as InterMiles on this credit card.

Yes, you do get a zero liability protection with the ICICI Bank credit cards. The cardholder shall not be liable for any fraudulent transaction post reporting the loss of card to the bank. Some of the cards even come with a complimentary insurance cover against the loss of card.

The bank offers 24×7 customer care support to its credit card customers over phone calls and via email. You can contact ICICI’s call center at 18601207777 or drop them a mail at [email protected] to report the loss of card or for any other issue. In case, the issue is still unresolved, you can escalate the issue to their higher-ups at [email protected].

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