ICICI Bank is among the largest private-sector banking institutions in the country and is second only to HDFC Bank in market capitalization and revenue. The bank has a host of services and products for customers along with a great range of credit cards for individuals with different needs and requirements.
You will find some exceptional super-premium and mid-range cards by the bank but if you are a first-time user, then you should certainly opt for ICICI Bank Lifetime Free credit cards. Some cards offer welcome benefits equal to the joining fees and some cards offer a spend-based annual fee waiver. However, in a lifetime free credit card, you do not need to pay any joining or annual fee ever.
If you do not require high-level benefits and rewards from your card, then a lifetime free credit card will be really useful to you. You can build a decent credit profile and boost your credit score through it. In this article, we will read about ICICI Bank lifetime free credit cards and some other cards that are available at Rs. 500 or less joining fees.
Table of Contents
- ICICI Bank Lifetime Free Credit Cards
- ICICI Bank Credit Cards – Joining Fee Below Rs. 500
- ICICI Bank HPCL Super Saver Credit Card
- Chennai Super Kings ICICI Bank Credit Card
- ICICI Bank HPCL Coral American Express Credit Card
- ICICI Bank HPCL Coral Credit Card
- ICICI Bank HPCL Platinum Credit Card
- ICICI Bank Expressions Credit Card
- ICICI Bank Manchester United Platinum Credit Card
- MakeMyTrip ICICI Bank Platinum Credit Card
- Accelero ICICI Bank Credit Card
- ICICI Bank Mine Credit Card
ICICI Bank Lifetime Free Credit Cards
Here are the best lifetime free credit cards by ICICI Bank that you can opt for –
Fee
Joining Fee
NIL
Renewal Fee
2 Reward Points on every retail spend of Rs. 100
Best Suited For
Dining
Reward Type
Reward Points
Welcome Benefits
N/A
Card Details +
One of the best lifetime free credit cards in our country, the Platinum Chip card by ICICI Bank does not charge any joining or annual fee from the cardholders. You have a chance to make savings on almost every spend and earn decent reward points while doing so. It does not have benefits like some other super-premium and mid-range cards, but it still offers plenty of benefit to cardholders even though it is an entry-level credit card.
- 2 RPs per Rs. 100 spent on retail
- 1 RP per Rs. 100 spent on utilities and insurance
- Reward points can be easily redeemed against products, vouchers, and even cashback
- Exclusive dining offers and discounts via the Culinary Treats program
- 1% fuel surcharge waiver
Fee
Joining Fee
Nil
Renewal Fee
2 Reward Points per Rs. 100 spent.
Best Suited For
Movies
Reward Type
Reward Points
Welcome Benefits
N/A
Card Details +
The Instant Platinum card by ICICI Bank is a secured offering and you have to make a fixed deposit in order to get this credit card. There are no joining or renewal fees associated with the card but you must have a fixed deposit of at least Rs. 20,000 for this credit card. You are rewarded for almost every spend with the card along with some great benefits on dining and movie spends.
- Secured credit card issued against a FD of at least Rs. 20000 with the bank
- 2 RPs per Rs. 100 spent with the card along with some exclusions
- 1 RP per Rs. 100 spent with the card on fuel
- 15% discount on top partner restaurants across the country with the Culinary Treats program
- 25% off on BookMyShow movie tickets, valid on minimum 2 tickets and twice per month
- 1% fuel surcharge waiver
Fee
Joining Fee
Nil
Renewal Fee
5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Get welcome benefits worth Rs. 1500 plus 3 months Prime membership
Card Details +
Launched in collaboration by Amazon and ICICI Bank, this credit card works on the Visa network and comes with no joining or annual fee. It is one of the top credit card choices in India for online shopping lovers and it used to be invite-only but is open to everyone now. You receive cashback as Amazon Pay balance and Amazon Prime members get maximum cashback on spends. If you are a loyal Amazon customer, then the card is made for you.
- Rs. 1500 worth benefits and 3-month Prime membership as welcome benefits
- 5% cashback for Amazon Prime members on all Amazon purchases
- Non-Prime users get 3% cashback on their Amazon purchases
- Accelerated cashback is valid only on Amazon India spends
- 2% cashback using the card on Amazon Pay at more than 100 partner merchants
- 1% cashback on retail spends other than fuel
- Reward points credited as Amazon Pay balance
- Reward points and cashback have no expiry date and are forever valid
- Exclusive dining discounts through the Culinary Treats program
- 1% fuel surcharge waiver at all fuel stations across the country
ICICI Bank Credit Cards – Joining Fee Below Rs. 500
The following are some affordable and entry-level credit cards that charge a joining fee of Rs. 500 or lower than that –
Fee
Joining Fee
Rs. 500 (plus GST)
Renewal Fee
4% cashback on fuel spends at HPCL pumps, 5% cashback as RPs on departmental store spends & utility purchases, 2 Reward points per Rs. 100 spent for all other domestic and international transactions.
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
2,000 bonus Reward Points on paying the membership fee within 2 months and spending at least Rs. 5,000 within the first 45 days of card issuance; Rs. 100 cashback on HP Pay app on the first fuel purchase of Rs. 1,000 or more.
Card Details +
This credit card is co-branded by HPCL and ICICI Bank and even though it is a fuel credit card, it offers reward points on multiple spend categories. The card charges a nominal joining fee of Rs. 500 and offers a welcome benefit and bonus reward points to the cardholder. Apart from travel, you get many other privileges like lounge access, movie and dining discounts, and much more with the card.
2000 RPs as welcome benefit on paying the joining fee and spending Rs. 5000 or above inside 45 days of getting the card.
- Rs. 100 cashback on HP Pay Wallet on your first transaction through the application
- Up to 5% savings on your fuel spends at HPCL fuel stations
- 1% fuel surcharge waiver and up to 1.5% cashback on using the HP Pay application
- Up to 5% cashback on your departmental store, groceries, and utility bill spends
- 2 RPs per Rs. 100 spent on other categories
- Complimentary domestic lounge access
- Up to 25% discount on movie ticket booking via Inox and BookMyShow portals
- Exclusive discount at top partner restaurants across India through the Culinary Treats program
- Complimentary roadside assistance service 24*7 in case your car breaks down
Fee
Joining Fee
Rs. 500 plus applicable taxes
Renewal Fee
2 Reward Points on every retail spend of Rs. 100, 10 Reward Points on every Rs. 100 during CSK match days and 1 Reward Point on all Insurance and utility spends.
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
2,000 bonus Reward Points.
Card Details +
Indians absolutely love the sport of cricket and, if you are one of these enthusiasts, then this credit card by ICICI Bank and IPL team Chennai Super Kings is the perfect choice for you. Other than the low joining charges and exclusive benefits for the cardholders, you can also get autographs from the team members and also have a chance to meet key players of their squad. The CSK ICICI Bank credit card has a decent reward rate and you can redeem points against a host of exciting options.
- 2000 reward points as a welcome and card renewal benefit
- Up to 10 RPs per Rs. 100 spent with the card
- Monthly top spenders with the card get goods autographed by key players of the CSK squad
- Complimentary CSK match tickets and a chance to meet with the players
- 25% off on BookMyShow movie tickets bookings, up to Rs. 100 per month
- 1% fuel surcharge waiver and a spend-based renewal fee waiver
Fee
Joining Fee
Rs. 199 (plus applicable taxes)
Renewal Fee
2 Reward Points per Rs. 100 on all retail spends with the card, 3X (6) Reward Points on fuel transactions at HPCL filling stations, 2.5% cashback up to Rs.100 on fuel purchases at HPCL pumps.
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
N/A
Card Details +
The Coral credit card is one of the most beloved offerings by ICICI Bank in India and this card variant is launched by the bank in partnership with American Express and HPCL. Being an entry-level fuel card, you just have to pay a joining fee of Rs. 199 for the card and you even get accelerated reward points on fuel spends made at HPCL outlets. The card has lesser privileges than some other premium cards but it is a nice choice for people who travel a lot by road.
- 6 RPs per Rs. 100 spent at HPCL fuel stations
- 2 RPs per Rs. 100 spent on retail
- 2.5% cashback, up to Rs. 100 on fuel spends at HPCL pumps
- Up to 25% discount on purchasing minimum 2 movie tickets per month
- Exciting offers at top restaurants across the country with ICICI Bank Culinary Treats program
Fee
Joining Fee
Rs. 199 (plus applicable taxes)
Renewal Fee
2 Reward points per Rs. 100 spent
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
Card Details +
Another co-branded card by HPCL and ICICI Bank, this variant is available on the Visa card network and has a low joining fee of Rs. 200. You get rewarded for almost all spends made with the card and your reward points can be redeemed against multiple products or vouchers and against fuel purchases. Even though it is a fuel card, you get multiple privileges and benefits across other categories with the HPCL Coral credit card by ICICI Bank.
- Save up to 3.5% on your fuel spends
- 2 RPs per Rs. 100 spent with the card
- Up to 25% off on BookMyShow movie ticket bookings
- Exclusive discounts at top restaurants under the ICICI Bank Culinary Treats orogram
- 2000 RPs equal to around Rs. 500 worth of fuel
- 1% fuel surcharge waiver and a spend-based renewal fee waiver
Fee
Joining Fee
Rs. 199 (plus applicable taxes)
Renewal Fee
2 Reward Points per Rs. 100 you spend with the card
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
N/A
Card Details +
Another fuel credit card by ICICI Bank and HPCL, this card also has a low joining fee of Rs. 200, and offers exciting benefits for your fuel spends. Other than cashback on fuel spends at HPCL pumps, you also get a fuel surcharge waiver and a nice reward rate on your spends with the credit card. You can also get exciting offers and privileges on dining, movie, and other spend categories.
- 2 RPs per Rs. 100 spent with the card, with some exclusions
- 2.5% cashback on fuel spends at HPCL outlets
- Exciting dining discounts up to 15% at many partner restaurants through the Culinary Treats program
- Fuel surcharge waiver and spend-based renewal fee waiver
Fee
Joining Fee
Rs. 500 (plus applicable taxes)
Renewal Fee
3 Reward Points per Rs. 100 spent with the card (except fuel, utility and insurance spends), 2 Reward Points per Rs. 100 on utility payments
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
Card Details +
The Expressions credit card by ICICI Bank is an impressive beginner credit card and the best part is that you can customize the appearance and design of this credit card according to your liking and preference. The card is meant for young professionals and students who can choose one of the designs offered by the bank or get their own photo on the card. Available at a nominal Rs. 500 joining fee, people can express their ideology and mindset.
- Customize the design and appearance of the credit card according to your liking and taste
- 3 RPs per Rs. 100 spent with the card, with some exceptions
- 1 RP per Rs. 100 spent on insurance and utilities
- Up to 25% off on BookMyShow movie ticket bookings, twice every month
- 1 Complimentary domestic lounge access per quarter
- Great dining offers and discounts through the Culinary Treats program by ICICI Bank.
Fee
Joining Fee
Rs. 499 (plus applicable taxes)
Renewal Fee
2 Reward Points for every Rs. 100 spent with the card, 3 Reward Points per Rs. 100 spent on Manchester United match days.
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Complimentary Manchester United Branded Football on card activation
Card Details +
Manchester United is among the biggest football clubs in the world and this credit card is launched as a collaboration by ICICI Bank and Manchester United. The Platinum variant is inferior to the Signature variant but it is available at a lower joining fee of Rs. 500. This entry-level offering is perfect for football lovers, especially for fans of the Manchester United club as it offers exclusive club-related benefits and privileges.
- 2 RPs per Rs. 100 spent on international and domestic transactions
- 3 RPs per Rs. 100 spent on Manchester United matchdays
- Complimentary Manchester United brand football as welcome benefit
- 1 Complimentary domestic lounge access per quarter
- BOGO offer on Inox and BookMyShow movie tickets, twice per month
- Exciting offers and discounts at restaurants across India with the Culinary Treats program
Fee
Joining Fee
Rs. 500 (plus applicable taxes)
Renewal Fee
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
Reward Type
Reward Points
Welcome Benefits
Rs. 500 My Cash and MakeMyTrip holiday voucher worth Rs. 3,000
Card Details +
Another nice travel credit card by ICICI bank, this variant is in partnership with MakeMyTrip and has a nominal Rs. 500 joining fee for cardholders. The reward points earned by you through this card can be transferred directly to your MakeMyTrip wallet and you can redeem your points against hotel reservations, car rentals, flight tickets, and more.
- Rs. 3000 worth holiday voucher and Rs. 500 My Cash as welcome benefit
- 1.5 Years extended validity of your My Cash balance
- Bonus My Cash money upon reaching spend-based milestones
- Up to 25% off on INOX and BookMyShow movie ticket bookings, twice per month
- 1 complimentary domestic lounge and railway lounge access per quarter
Fee
Joining Fee
Rs. 499 (plus applicable taxes)
Renewal Fee
2 Reward Points on every Rs. 100 spent
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Complimentary roadside repair services, car wash, general checkup, etc for the first year.
Card Details +
The Accelero credit card by ICICI Bank is another entry-level card targeted at individuals who regularly travel via their own vehicle. The card charges Rs. 500 as joining fee and provides exclusive services for your vehicle like roadside assistance, general checkups, car wash, and much more. The reward rate on the card is nice and you even earn cashback up to 2.5% on your fuel spends. Other than fuel, you also enjoy movie, dining, travel, and lifestyle privileges with this basic credit card.
- 2 RPs per Rs. 100 spent
- Additional 2.5% cashback on your fuel spends at HPCL pumps
- Complimentary car wash, general check-up, and roadside assistance service for your vehicle
- 1 complimentary lounge access per quarter
- 25% discount on BookMyShow movie ticket bookings and up to 15% discount on dining spends
- 1% fuel surcharge waiver and a spend-based renewal fee waiver
Fee
Joining Fee
For Starter Plan – Nil
For Pro Plan – Rs 49 per month
For Premium Plan – Rs 149 per month
Renewal Fee
A cashback of 1% on all retail spends and 5% on exclusive partner brands.
Best Suited For
Dining
Reward Type
Reward Points
Welcome Benefits
NA
Card Details +
The Mine credit card is different to most other cards and is a unique offering. The cardholder can choose from three custom plans based on their requirements and credit needs. The Starter Plan is free of cost, the Pro plan costs Rs. 99 per month, and the Premium plan costs Rs. 199 per month. All three plans offer something unique to the cardholder, but are packed with exciting benefits and privileges. Cashback, travel, lifestyle, dining, etc. you get everything that you can think of.
- Choose any one out of three custom plans
- Up to 5% savings on your spends with the card
- Complimentary 2-month membership of EazyDiner Prime
- Free 6-month membership to the Mindhouse application
- Complimentary domestic airport and railway lounge access per quarter
- Exclusive discounts and offers on travel, fashion, food, groceries, and online marketplaces
Benefits of ICICI Bank Lifetime Free Credit Cards
The following are the benefits offered by the ICICI Bank lifetime free credit cards and other low joining fee cards –
- Lifetime free cards do not come with any joining or annual fees and are available free of cost.
- The application process for these cards is quite convenient and quick. You just need to enter the necessary details and provide your documents to successfully apply for the cards.
- Even though the cards do not charge any fees, you still get plenty of privileges and benefits with these credit cards.
- Enjoy exclusive benefits across lifestyle, travel, fuel, dining, movies, entertainment, and other categories.
- Most of these credit cards offer a high reward rate ion your spends and you can redeem these points against a variety of options.
- These credit cards can be used to complete many tasks and they are perfect for improving your credit profile and build a decent credit score.
Eligibility Criteria and Documents Required
Before you apply for lifetime free credit cards by ICICI Bank, make sure you meet the following eligibility requirements –
- The applicant must be a citizen of India
- The applicant must be 21 to 60 years of age in case of salaried, and 21 to 65 years of age in case of self-employed
- The applicant must have a decent credit score.
- The applicant must have a stable source of income
The following documents must be provided when applying for the credit cards along with your latest photographs –
ID Proof – Aadhar Card, PAN Card, Driver’s License, Passport, etc.
Address Proof – Aadhar Card, Rent Agreement, Ration Card, Passport, Latest Utility Bills, etc.
Income Proof – Salaried individuals need to provide the latest 2 months’ salary slips and the bank statements. Self-employed individuals need to provide their audited ITR of the previous year.
Credit Cards Comparison
In the following table, we will compare some of the best and most-popular ICICI Bank lifetime free and some other affordable, low joining fee credit cards.
Category | ICICI Bank Platinum Chip Credit Card | ICICI Bank Instant Platinum Credit Card | Amazon Pay ICICI Bank Credit Card | ICICI Bank HPCL Coral Credit Card |
Joining/Annual Fee | Nil | Nil | Nil | Rs. 199 plus taxes |
Welcome Benefit | NA | NA | Get welcome benefits worth Rs. 1500 plus 3 months Amazon Prime membership | NA |
Reward Earning | Earn 2 Reward Points for every Rs. 100 spent on retail transactions. Earn 1 Reward Point on every Rs. 100 spent on insurance & utilities. | 2 Reward Points for every Rs. 100 spent (except on utilities, insurance and fuel). 1 Reward Point for every Rs. 100 spent on fuel purchases. | 5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases | Save 3.5% on fuel transactions (2.5% cashback and 1% fuel surcharge waiver). Get 2 Reward Points on every retail spend of Rs. 100. |
Reward Redemption | Reward points can be redeemed against a variety of gifts, products, or vouchers, and against card statement balance, where 1 reward point = Rs. 0.25 | The Reward Points are redeemable for gifts/shopping vouchers and for purchasing products from the Rewards Catalog, where 1 reward point = Rs. 0.25 | Reward Points earned are automatically transferred to Amazon Pay balance at the end of the payment cycle. 1 Reward Point = Re. 1 | Reward Points you earn can easily be redeemed against several products, vouchers, etc, available at www.icicibank.com, where 1 RP = Rs. 0.25 |
Dining/Movie Benefits | Up to 15% discount at 2500+ restaurants in India through the ICICI Bank Culinary Treats Program | Up to 15% discount at 2500+ restaurants in India through the ICICI Bank Culinary Treats Program 25% discount on movie tickets via BookMyShow on a minimum purchase of two tickets. | Up to 15% discount at 2500+ restaurants in India through the ICICI Bank Culinary Treats Program | Up to 15% discount at 2500+ restaurants in India through the ICICI Bank Culinary Treats Program 25% discount on movie tickets via BookMyShow on a minimum purchase of two tickets. |
Travel Benefits | NA | NA | NA | NA |
Spend-Based Waiver | NA | NA | NA | Renewal fee can be waived off on spending Rs. 50,000 or above in the previous year |
How to Apply for ICICI Bank Lifetime Free Credit Cards
Follow these steps to apply for ICICI Bank lifetime free and other low joining fee credit cards –
- Visit the official website of ICICI Bank.
- Hover your cursor on ‘Cards’ in the top menu and then click on ‘Credit Cards’.
- Narrow the search results based on your income and preferred card category.
- Click on Know More next to the card you want to apply for and go through its features, benefits, and other information.
- Click on Apply Now to submit your application. You will have to enter the required details and provide the necessary documents to submit the application.
Bottom Line
Being one of the top private sector banking institutions in the country, ICICI Bank has countless products and services to their large consumer base across the nation. Customers from all walks of life, with different financial needs and requirements, prefer ICICI Bank credit cards. In the above article, we read about the top ICICI Bank lifetime free credit cards which you can get without paying any annual or joining fees.
Understandably, these lifetime free credit cards are not as packed with features as some super-premium variants, but they still offer multiple benefits and privileges to the cardholders. You can enjoy benefits across various categories like travel, lifestyle, fuel, shopping, dining, movies, and more. These cards are perfect for individuals who want a basic card to develop their credit score and credit profile for better credit opportunities in the future.
We even read about some other credit cards by ICICI Bank that are quite affordable with joining fees lower than Rs. 500. Head over to the comments section to tell us about your experience with using any of these cards, or if you plan on getting any of the above lifetime free or low budget ICICI Bank credit card.
FAQs:
ICICI Bank is one of the largest private sector banking institutions in the country and has a great catalog of credit cards for all categories of customers. The bank also has some lifetime free credit cards for users that are absolutely free of cost. You do not have to pay any joining or annual fees in order to get these lifetime free credit cards by ICICI Bank.
The following are the best ICICI Bank lifetime free credit cards available for customers –
ICICI Bank Platinum Chip Credit Card
- 2 RPs per Rs. 100 spent on retail
- 1 RP per Rs. 100 spent on utilities and insurance
ICICI Bank Instant Platinum Credit Card
- Secured card issued against a fixed deposit with the bank
- 2 RPs per Rs. 100 spent with the card along with some exclusions
- 1 RP per Rs. 100 spent with the card on fuel
Amazon Pay ICICI Bank Credit Card
- 5% cashback for Amazon Prime members on all Amazon purchases
- 3% cashback on their Amazon purchases by Non-Prime users
- 2% cashback using the card on Amazon Pay at more than 100 partner merchants
- 1% cashback on retail spends other than fuel
ICICI Bank has multiple fuel credit cards for their customers, co-branded by HPCL and ICICI Bank. The following are the best co-branded fuel cards offered by ICICI Bank –
- ICICI Bank HPCL Super Saver Credit Card
- ICICI Bank HPCL Coral American Express Credit Card
- ICICI Bank HPCL Coral Credit Card
- ICICI Bank HPCL Platinum Credit Card
All of these co-branded fuel credit cards are affordable and budget-friendly. The HPCL Coral American Express, Coral, and Platinum credit cards come at Rs. 199 joining fee while the HPCL Super Saver credit card has a joining of Rs. 500.
The following are the best ICICI Bank credit cards available at a joining fee of Rs. 500 or less – ICICI Bank Platinum Chip, ICICI Bank Instant Platinum, Amazon Pay ICICI Bank, ICICI Bank HPCL Super Saver, ICICI Bank HPCL Coral, ICICI Bank HPCL Coral American Express, ICICI Bank HPCL Platinum, Chennai Super Kings ICICI Bank, ICICI Bank Accelero, ICICI Bank Expressions, ICICI Bank Mine, ICICI Bank Manchester United Platinum, and MakeMyTrip ICICI Bank Platinum credit card.
Follow these simple steps to apply for ICICI Bank lifetime free credit cards –
- Head over to the official ICICI Bank website
- In the top menu bar, hover your cursor on ‘Cards’ and then click on ‘Credit Cards’ in the drop-down menu
- Go through the list of all available credit cards and click on ‘Know More’ next to the card you want to apply for
- Go through the details and information related to the credit card and then provide the necessary details and documents to complete your application