By Divya Shokeen
Updated On October 16, 2021

The ICICI Bank offers a wide range of credit cards fitting your needs. The ICICI Bank’s credit cards allow you to enjoy humongous exciting features and benefits like reward points, cashback, travel, dining, shopping, etc. Read on to know the ICICI Bank Credit Card eligibility criteria.

ICICI Credit card eligibility

Eligibility criteria for ICICI bank credit cards

The ICICI Bank follows standard eligibility criteria to issue credit cards to the applicants.

  • The applicant must be between the age of 21-65 years.
  • Must be a salaried or self-employed individual.
  • Must have a stable source of income.
  • Must have a good credit score.
  • Must be a citizen of India.
  • For secured credit cards, the minimum fixed deposit should be Rs. 20,000 at least for 180 days.

Documents required to apply for an ICICI Bank Credit Card

Keep the given documents handy. If you are applying for a credit card online, keep the scanned copies with you, and in case if you are visiting the bank to apply take the signed photocopies with you.

Identity Proof
(any one)
Aadhaar Card, Driving Licence, Voter’s Id, Pan Card, Passport, or any other government-approved ID.
Address Proof
(any one)
Aadhaar Card, Passport, Utility Bills (not more than 3 months old), or any other government-approved ID. 
Income Proof 
(any one)
Bank Statement or salary slip of last 3 months, last 2 years’ audited financial report,  etc.

Credit Cards offered by ICICI Bank
Given below is a list of credit cards offered by the ICICI Bank.

Credit Cards Age  Income/Salary
ICICI Bank Diamant Credit Card 21-65 years Depends on the bank’s discretion 
Amazon Pay ICICI Bank Credit Card 21-65 years Through invite only
ICICI Bank Platinum Chip Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank Carbon Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank HPCL Super Saver Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank HPCL Coral American Express Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
InterMiles ICICI Bank Sapphiro Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank HPCL Coral Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
InterMiles ICICI Bank Rubyx Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Manchester United Signature Credit Card 21-65 years Minimum net annual income of Rs. 5 lakhs and above.
InterMiles ICICI Bank Coral Credit 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank Rubyx Credit Card 21-65 years Minimum net annual income of Rs. 6 lakhs and above.
ICICI Bank VISA Signature Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
MakeMyTrip ICICI Bank Platinum Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank Sapphiro Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank Expressions Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank Manchester United Platinum Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
Accelero ICICI Bank Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
MakeMyTrip ICICI Bank Signature Credit Card 21-65 years Minimum net annual income of Rs. 5 lakhs and above.
ICICI Bank Emeralde Credit Card 21-65 years Minimum salary of Rs. 3,00,000 or above.
Minimum ITR of Rs. 30,00,000 or above.
ICICI Bank HPCL Platinum Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Coral Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank Instant Platinum Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank Unifare Mumbai Metro Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank Unifare Delhi Metro Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank Unifare Bangalore Metro Credit Card 21-65 years Minimum net annual income of Rs. 2.5 lakhs and above.
ICICI Bank Coral Contactless Credit Card 21-65 years Minimum net monthly income of Rs. 20,000 and above.
ICICI Bank Coral Credit Card 21-65 years Minimum FD of Rs. 20,000 for a tenure of 180 days.

Factors that affect your ICICI bank credit card eligibility

Age: If you don’t qualify for the minimum age requirement, then the bank will reject your credit card application for not meeting the eligibility criteria.
Income: Income requirement is another factor that can affect the ICICI Bank Credit Card Eligibility. The monthly income should not be less than the minimum requirement.
Credit Score: Having a bad credit score or no credit history can badly affect your eligibility. A good credit score is said to be between 700-750 or above. A credit score determines your creditworthiness and your ability to pay off the credit bills on time.
Debt to Income Ratio: In case your debt is more than your income then there are high chances that it will affect your eligibility. To secure a credit card from the ICICI Bank the applicant should access this factor before applying.
Multiple Credit Card: The eligibility factor gets affected when applicants already have 7-8 credit cards. Having multiple credit cards decreases the chance of getting another credit card. Bank checks how much unsecured debt you already own before issuing a new credit card.
Payment Default: If the applicant has more unsettled loans and has defaulted credit card payments frequently then the chances of your application getting rejected increase. This default stays in the applicant’s credit history for many years.
Multiple Applications: Sending multiple applications at the same can lead to the rejection of all the applications. It’s better to send a single application at one time and wait for the response from the bank.
*** Check 11 reasons why your credit card application got rejected here.

How to improve your ICICI bank credit card eligibility:

There are many ways through which you can improve your credit eligibility, a few of them are as follows:

  1. Avoid sending multiple applications can be the first step towards increasing your credit card eligibility.
  2. Meet the age and income requirement provided for the credit card you are applying for, it will be a plus point for getting your application accepted in the first go. Carefully read the credit card eligibility requirement.
  3. If you are applying for a credit card for the first time credit card then you can improve your credit score by taking secured credit cards or an entry-level credit card. You can also use ‘Amazon Buy Now Pay Later’ for developing your credit history.
  4. Do not default in credit card payments or in repaying the loan amount. Try to clear all the dues on time as the credit card issuer looks at your credit history whether you are a frequent defaulter or not.
  5. Apply for a credit card only when your income is more than the debt. It is better to maintain a good debt-to-income ratio.

*** For detailed information on how can you improve your credit card eligibility you can refer to ‘How can you increase the chances of application approval?’ here.

FAQs:

To improve your eligibility you can start with building up your credit history, having a good credit score increases the chances of your application getting approved. Try not to send multiple applications in one go also before submitting documents proofread them to avoid mistakes in your application.

Yes, the card issuers while reviewing your application look at the credit history to check whether you are a defaulter or not. It is advisable to clear all the dues on time as it will badly affect your credit score.

No, there are no credit cards which are offered by the ICICI Bank to 18 years old individuals. The minimum age requirement starts at 21 years. So, to avail of an ICICI Bank Credit Card, you have to wait for 3 years. Other banks issue a credit card against the fixed deposit to 18 years old.

700-750 is considered a good credit score that can help you to get a credit card easily.