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Established in 1994 in Vadodara, ICICI Bank is the second-largest private sector bank in India, only next to HDFC in terms of revenue and market capitalization. Millions of people in India are having ICICI Bank Credit Cards today. Talking a bit about its history, the ICICI Bank was established by its parent company, Industrial Credit and Investment Corporation of India (ICICI), which was formed in 1954. 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. Talking about its credit card business, with over 1.67 crore active credit cards (as of January 2024), ICICI Bank holds around a substantial share in the Indian credit card market.
From travel and shopping to movies and dining cards, ICICI Bank has credit cards suitable for all spends categories in its portfolio. The bank has recently launched the exclusive ICICI Rewards Program for processing reward points. With so many credit cards in its portfolio, ICICI Bank issues entry-level to super-premium credit cards, keeping different segments of individuals in mind. Some of its no annual fee credit cards, like Amazon Pay ICICI Bank Credit Card, are among the most popular cards in the Indian market. So, having a credit card from ICICI Bank will be a good decision for everyone, provided the card is used responsibly.
With a lot of ICICI Bank credit card options available out there, it becomes pretty hard for individuals to go through all the features as well the benefits that these cards offer. Therefore, to help you out with this, we have listed the best ICICI credit cards available in India so that you can go through them all quickly and apply for a card on the basis of their benefits and features that suit you the best:
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The ICICI Bank Credit Cards provide different 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 milestone benefits, which can be in the form of gift vouchers, complimentary memberships, bonus reward points, etc.
Travel Benefits: ICICI Bank offers 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, discounts 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 waivers, and many more.
From super-premium to entry-level cards, ICICI Bank delivers a wide range of credit cards that offer benefits in several categories. The following is a list of Top ICICI Bank Credit cards categorized by their features and benefits. Keep reading for further information:
The Emeralde credit card is the top-end offering by 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.
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.
The Rubyx credit card by 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- 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.
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.
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 an 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.
It is a cashback credit card. The unique feature of this card is that it comes in three monthly membership plans- the free plan, the Rs. 49 plan, and the Rs. 149 plan. The bank touts it as the country’s first Flexi-plan credit card that is tailored to 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 with a few extra benefits, including complimentary airport lounge visits, instant discounts at select retail outlets, a higher monthly cashback cap, etc.
The InterMiles Sapphiro credit card is a premium travel card by the ICICI bank. You earn reward points as InterMiles on all spendings using the card and accelerated reward points on travel spendings 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. American Express powers the card, and you are charged an annual fee of Rs. 5,000 for this card.
It is a co-branded credit card offered by the bank in collaboration with MakeMyTrip. You earn reward points, such 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 and a complimentary Airtel global roaming pack worth Rs. 3,999 for 10 days.
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, that 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, and movie and dining benefits with this card that most other entry-level credit cards don’t offer.
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.
All the ICICI Credit Cards reward you in some or the other form. Some cards offer reward points, others offer cashback, and so on. The following table summarises the reward point and/or cashback benefits that you get with the aforementioned ICICI bank credit cards:
Credit Card | Reward Points / Cashback Benefit |
ICICI Bank Emeralde Credit Card | 4 Reward points on every Rs. 100 spent on all transactions (except fuel, utilities, and insurance categories) and 1 Reward point on every Rs. 100 spent on utilities and insurance. |
ICICI Bank Sapphiro Credit Card | 6 Reward points on every Rs 100 (except fuel, utilities, and insurance spends), 1 Reward point on every Rs 100 spent on fuel, utilities, and insurance categories for the MasterCard variant.50% extra reward points on the AmEx variant. |
ICICI Bank Rubyx Credit Card | 2 Reward Points per Rs. 100 on domestic spends & 4 Reward Points per Rs. 100 on international spends for the MasterCard variant.3 Reward Points per Rs. 100 on domestic spends & 6 Reward Points per Rs. 100 on international spends for the American Express Credit variant. |
ICICI Bank Coral Credit Card | 2 Reward Points per Rs. 100 spent except on fuel, utilities and insurance spends.1 Reward Point per Rs. 100 on utilities and insurance spends.No Reward 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. |
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 Reward points on utility and departmental store purchases.2 Reward points per Rs. 100 spent for all other domestic and international transactions. |
ICICI Bank HPCL Coral Credit Card | 2 Reward points per Rs. 100 spent except on fuel purchases. |
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 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, go with a card that benefits the most in a category where you spend the most every month. Moreover, you can earn bonus points that are rewarded in the form of welcome benefits or milestone benefits.
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:
Different ICICI Bank Credit Cards have different annual membership fee, which depends on the benefits provided by the card. High annual fee credit cards are generally 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:
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.
The annual fee is waived on spending 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. |
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 | Annual fee waived off on annual spends of Rs. 50,000 in the preceding year. |
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-
If you have applied for an ICICI Bank card and want to know the progress of 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.
The ICICI Bank provides its customers with several ways to activate their credit cards. After receiving your ICICI Bank Credit Card, use any of the following online or offline methods to activate your credit card:
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.
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:
The Amazon Pay ICICI Bank Credit Card is a popular lifetime free 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 the choice of thousands of customers in India.
The ICICI Bank Instant Platinum Credit Card is yet another lifetime free credit card offered by 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.
The ICICI Bank Emeralde Credit Card is one of the most premium credit cards offered by ICICI Bank. With an annual fee of Rs. 12,000, the card 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 as international airport lounges with this 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).
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 for 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.
Here are some of the credit cards that were previously issued by ICICI Bank but have since been discontinued.
ICICI Bank is one of the largest private-sector banks in India and was the pioneer in Internet banking in India. With a large share of the credit card market in India, ICICI Bank presents its customers with some great credit cards. Whether it is the Amazon ICICI Bank Credit Card, which offers great cashback, or the premium ICICI Bank Emeralde Credit Card, which provides terrific privileges. Compare multiple ICICI Bank Credit Card on CardInsider and choose one of your choices.