ICICI Bank Credit Cards

ICICI Credit Cards Features and Benefits

The ICICI Bank Credit Cards provide you with different types of benefits over several categories, including travel, entertainment, lifestyle, shopping, and many more. Following are the general features and benefits that you can get with an ICICI Bank Credit Card:

• Welcome Benefits: On joining an ICICI Bank credit card membership, you get the welcome benefits, which can be in the form of bonus Reward Points, complimentary premium memberships to selected platforms, accelerated cashback, gift vouchers, etc. You generally get welcome gifts after payment of the joining fee (if applicable).
• Rewards/Cashback: Most of the ICICI Bank Credit Cards reward you in the form of ICICI Reward Points and others offer cashback, intermiles, or a few other types of loyalty points. You earn these rewards/cash back every time you spend using your ICICI Credit Card and redeem these points against a wide array of options.
• Milestone Benefits: On achieving a minimum required spend milestone within a pre-specified time period, you get the milestone benefits, which can be in the form of gift vouchers, complimentary memberships, bonus reward points, etc.
• Travel Benefits: ICICI Bank offers so many co-branded as well as non-co-branded travel credit cards that are aimed at providing customers with rewarding travel experiences. These benefits include complimentary airport lounge access, discount on flight/hotel bookings, and many more.
• Other Benefits: Other benefits that you may get with the ICICI bank Cards include complimentary movie tickets, exclusive discount offers on dining, complimentary insurance covers, fuel surcharge waiver, and many more.

Top 10 Credit Cards by ICICI Bank

From super-premium to entry-level cards, ICICI bank delivers a wide range of credit cards that are offer benefits in several categories. The following is a list of Top ICICI Bank Credit cards categorized with their features and benefits. Keep reading for further information:

Super Premium Credit Card:

ICICI Bank Emeralde Credit Card

The Emeralde credit card is the top-end offering by the ICICI bank. The card has been offered 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

The second-most premium credit card offering, the ICICI Sapphiro card 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 Rubyx card is offered in two variants – American Express and MasterCard variants and comes with a yearly 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

The Coral credit card is an entry-level card offered by the bank in the lifestyle category which has a nominal annual 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, this one earns you rewards 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% cash back 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.

ICICI 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 many other benefits including complimentary access to domestic and international airport lounges, movie and dining benefits, golf privileges, etc. The card is powered by American Express and you are charged with 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.

ICICI 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 on other categories of spends as well as 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 Reward 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.

ICICI Credt Card Reward Points and Cashback

All the ICICI Credit Cards reward you in some or the other form. Some cards offer reward points, others offer cashback, some offer intermiles, and so on. The following table summarises the reward point and/or cashback benefits that you get with the aforementioned top 10 ICICI bank credit cards:

ICICI Credit Card Reward Points Redemption

Earning Reward Points on your ICICI Bank Credit Cards is simple. You just need to perform transactions and the number of Reward Points on your account keeps increasing. If you want to earn more and more points, you should try to make everyday purchases using your credit card. You must keep in mind that almost all ICICI Bank credit cards offer accelerated points on selected categories. So, you should go with a card that benefits the most in a category where you usually spend the most every month. Moreover, you can earn the bonus points that are rewarded in the form of welcome benefit or milestone benefit.

The Reward Points that you are earning using your ICICI Bank Credit Card can be redeemed against a lot of categories including gift, shopping, cashback, and a lot of other options by contacting the ICICI Bank Credit Card customer care. 1 ICICI Reward Point is equal to Re. 0.25. You can use the following contact details to redeem your ICICI Rewards:

• For redemption of rewards against cash, make a call on 080-40146444. Your points will be credited as cash credit into your account within 7 days from the redemption request.
• For redemption of rewards against gifts, call on 1860-258-5000. The gift of your choice will be sent to you within 10 working days.

ICICI Credit Card Annual Fee and Charges

Different ICICI Bank Credit Cards different annaul membership fee, which depends on the benefits provided by the card. High annual fee credit cards are generally the premium cards with great benefits across different categories, whereas low annual fee cards are basic/entry-level cards that offer fewer benefits. You can have a look at the annual fee of some of the best ICICI Credit cards in the table given below:

How to Apply for ICICI Bank Credit Cards Online

There are both online and offline methods to apply for an ICICI Credit card. To apply offline, you can visit your nearest ICICI branch with all the essential documents and fill in the physical application form there. To apply for the ICICI bank credit cards online-

• Go to the credit cards homepage on the ICICI bank’s website.
• Choose the credit card you want to apply for.
• You’ll need to submit the aforementioned documents to complete your application.
• Once your application is submitted, it is evaluated by the bank officials.
• If your application is approved, your credit card is dispatched to your address of correspondence.

Documents Required:

You need to submit identity proof, address proof, and proof of income to the bank when applying for a credit card. The following table illustrates the documents accepted as identity proof, address proof, and proof of your income.

ICICI Bank Credit Cards Application Status

If you have applied for an ICICI Bank card and want to know the progress in your application, you can easily track the application status of your ICICI Bank Credit Card via this link by entering a few required details. You can also contact ICICI Credit Card Customer Care to get information about the same.

To know the step-wise procedure to check your ICICI Credit Card application status, click here.

How To Activate ICICI Bank Credit Cards?

The ICICI Bank provides its customers with several ways for credit card activation. After receiving your ICICI Bank Credit Card, use any of the following online or offline methods to activate your credit card:

• Activate your ICICI Bank Credit Card by logging in to your net banking account. You can easily activate your card by clicking on the ‘Generate Credit Card PIN Online’ option under the ‘Credit Cards’ tab.
• Another easy way for activating your ICICI Bank Credit Card is by contacting the ICICI Credit Card customer care and ask the bank officials to assist you with your credit card activation.
• You can also get your ICICI bank Credit Card activated through an ICICI Bank ATM. Just visit the ATM nearest to you and find an option to activate your credit card using OTP from the main menu.
• If you find all the above methods difficult, you can simply visit your closest ICICI bank branch and ask the bank officials to assist you in activating your credit card.

How To Compare ICICI Credit Cards & Choose the Best One?

Many individuals get an ICICI Bank Credit Card, but only a few of them know how they can choose the best one. Choosing the right credit cards means choosing a card that fits your needs. In order to do this, you will have to analyze your spending habits first. You must go through all your monthly expenses and filter out the categories where you have spent the most. Then, check and compare ICICI Bank Credit Cards that seem to fulfill your needs. Comparison of credit cards needs to be done wisely. You should compare them on the basis of different factors, including their benefits, fees & charges, etc. After that, you should apply for a credit card that benefits you the most with minimum charges. This is how you can choose the best ICICI Credit Card for yourself.

ICICI Lifetime Free Credit Cards

Many people look for credit cards with no annual fee so that they can save more and more without paying any charges. Keeping this in mind, the ICICI Bank issues a few credit cards that are absolutely free to have and provide some exclusive benefits. Following are some of the best ICICI credit cards that are free for a lifetime:

Amazon Pay ICICI Bank Credit Card

The Amazon Pay ICICI Bank Credit Card is a popular credit card offered by the bank. With a zero annual fee, earn up to 5% cashback on your spends, especially when you purchase something on Amazon. Being a lifetime-free credit card, it has become a choice of thousands of customers in India.

ICICI Bank Instant Platinum Credit Card

The ICICI Bank Instant Platinum Credit Card is yet another lifetime free credit card offered by the ICICI Bank. It earns you 2 Reward Points for every Rs. 100 spent and comes with several other exciting features including up to 25% discount on movie tickets on BookMyShow. It is a secured credit card that is issued against a fixed deposit (FD) of Rs. 20,000 or more, and hence you can have it even without a credit history.

ICICI Credit Cards With Airport Lounge Access

ICICI Bank Emeralde Credit Card

The ICICI Bank Emeralde Credit Card is one of the most premium credit cards offered by the ICICI Bank. With an annual fee of Rs. 12,000, the provides its customers with a number of exciting benefits across different categories. With a reward rate of up to 1%, it allows you to save up to Rs. . 750 on your movie tickets on BookMyShow. Talking about its lounge benefits, you get unlimited access to domestic as well international airport lounges with this card.

ICICI Bank Sapphiro Credit Card

The ICICI Bank sapphire Credit Card comes with a joining fee of Rs. 6,500 and an annual fee of Rs. 3,500. It earns you up to 6 reward Points on every Rs. 100 you spend which can be redeemed against an array of categories of your choice. With the Sapphiro Credit Card, you get up to 4 complimentary domestic lounge access (every quarter) and 2 complimentary international lounge access (every year).

ICICI Bank Coral Credit Card

Most of the credit cards with complimentary lounge access come with a higher annual fee, but if you are a low-income individual and looking for an affordable credit card with free lounge access, the ICICI Bank coral credit card might be a good choice for you. It comes with a nominal annual fee of Rs. 500 and offers up to 4 Reward Points on every Rs. 100 spent. Also, get 1 complimentary access to the domestic lounge every quarter on spending Rs. 5,000 or more in the previous quarter.

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