ICICI Bank Credit Card Eligibility Criteria

The ICICI Bank offers a wide range of credit cards, keeping the spending behaviors and requirements of different individuals in mind. Just like all other major card issuers, ICICI Bank’s credit cards also require some specific eligibility criteria that need to be fulfilled by the applicants. These eligibility criteria might be different for every ICICI Bank Credit Card and may depend on different factors, including age, income, credit score, etc. It is always advisable to check the eligibility criteria before applying for an ICICI Bank Credit Card to increase the chances of your credit card application being approved. For more detailed information about the eligibility criteria for ICICI Bank Credit Cards, keep reading the article:

Eligibility Criteria for ICICI Bank Credit Cards

The eligibility criteria for ICICI Bank Credit Cards generally depend on three factors, including age, income, and credit score. However, the bank may have some internal eligibility criteria as well. Here, we have explained the ICICI Bank Credit Cards’ eligibility on the basis of these three factors:

ICICI Bank Credit Cards Salary Eligibility

The income requirements for different ICICI Bank Credit Cards can be different depending on the card. Credit cards with high annual fees and great benefits generally require a higher annual income as compared to credit cards that come with a low annual fee and basic features. So, you should check for the income requirements of the card you are going to apply for so that you don’t face rejection afterward.

Age Requirements

The minimum and maximum age requirements for all the ICICI Bank Credit Cards are almost the same. The minimum age required to be approved for an ICICI Bank Credit Card is 21 years, and you can find the information about the maximum eligible age in the table below. Moreover, the age requirements for primary and supplementary cardholders can also be different.

Credit Score Required

You should also have a decent credit score if you want to get approved for an ICICI Bank Credit Card. If you have no credit history at all, you should start your credit journey with a secured ICICI Bank Credit Card and update to an unsecured one after building your credit score.

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 if you are visiting the bank to apply, take the signed photocopies with you.

Identity Proof	PAN card
Address Proof	Aadhaar Card and Passport
Income Proof	Bank Statement or salary slip of last 3 months, last 2 years audited financial report,  etc.

Eligibility for Different ICICI Bank Credit Cards

ICICI Bank has many credit cards available. Here is a table that shows the eligibility requirements for their top credit cards.

Credit Cards	Age	Income/Salary
Times Black ICICI Bank Credit Card	21-65 years	Invite Only
Amazon Pay ICICI Bank Credit Card	21-65 years	Minimum monthly income of ₹25,000 for ICICI customers and ₹35,000 for other applicants.
ICICI Bank Platinum Chip Credit Card	21-65 years	Minimum net annual income of ₹2.5 lakhs and above.
ICICI Bank HPCL Super Saver Credit Card	21-65 years	Minimum net annual income of ₹3 lakhs and above.
ICICI Bank HPCL Coral Credit Card	21-65 years	Minimum net annual income of ₹3 lakhs and above.
ICICI Manchester United Signature Credit Card	21-65 years	Minimum net annual income of ₹5 lakhs and above.
ICICI Bank Rubyx Credit Card	21-65 years	Salaried: ₹50,000 per month Self-Employed: ₹5.5 lakhs per annum
ICICI Bank Sapphiro Credit Card	21-65 years	Minimum monthly income of ₹75,000 and above.
ICICI Bank Expressions Credit Card	21-65 years	Minimum net annual income of ₹2.5 lakhs and above.
ICICI Bank Manchester United Platinum Credit Card	21-65 years	Minimum net annual income of ₹2.5 lakhs and above.
ICICI Bank Emeralde Credit Card	21-65 years	Minimum salary of ₹3 lakh or above. Minimum ITR of ₹30 lakhs or above.
ICICI Coral Credit Card	21-65 years	Minimum net annual income of ₹5 lakh and above.
MakeMyTrip ICICI Bank Credit Card	21-65 years	Minimum net annual income of ₹3 lakhs and above.
Adani One ICICI Bank Platinum Credit Card	21-65 years	Minimum net annual income of ₹2.5 lakh and above.
Adani One Signature Credit Card	21-65 years	Minimum net annual income of ₹2.5 lakh and above.
Emirates Skywards ICICI Bank Emeralde Credit Card	21-65 years	Minimum net annual income of ₹25 lakhs and above.
Emirates Skywards ICICI Bank Sapphiro Credit Card	21-65 years	Minimum net annual income of ₹15 lakhs and above.
Emirates Skywards ICICI Bank Rubyx Credit Card	21-65 years	Salaried: ₹50,000 per month Self-Employed: ₹5.5 Lakhs
ICICI Bank Emeralde Private Metal Credit Card	21-65 years	Minimum monthly income of ₹3 lakhs and above.

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.
• 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 is a high chance 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 Cards: 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 on 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.

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:

• Avoiding sending multiple applications can be the first step towards increasing your credit card eligibility.
• Meeting the age and income requirement provided for the credit card you are applying for will be a plus point for getting your application accepted in the first go. Carefully read the credit card eligibility requirements.
• If you are applying for a credit card for the first time, 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.
• Do not default on 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.
• 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.