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Things to know before applying for a Credit Card

1. Choose the right card

   Different Credit Cards cater to different needs, so choosing the right card is essential. Consider factors such as the interest rate, annual fees, reward points, and cashback offers when selecting a card.

2. Understand the billing cycle

   The billing cycle is the period between two statement dates. It's essential to understand the billing cycle to avoid late payment charges and interest charges.

3. Pay your bills on time

   Late payments can negatively impact your credit score and result in late payment charges and interest charges.

4. Avoid maxing out your credit limit

   It's advisable not to use your entire credit limit. Using more than 30% of your credit limit can negatively impact your credit score.

5. Keep track of your expenses

   It's important to keep track of your expenses to avoid overspending and to pay your bills on time.

Some of the common types of Credit Cards in India are:

• Reward Credit Cards - Maximise your spending and earn rewards with a great credit card that fits your lifestyle and financial needs.

• Fuel Credit Cards - Save money on gas and earn rewards with a fuel credit card that's designed for drivers like you.

• Travel Credit Cards - Travel more, spend less with a travel credit card that earns you rewards, miles, and perks on every adventure.

• Cashback Credit Cards - Earn cash while you shop with a cashback credit card that puts money back in your pocket for every purchase you make.

• Business Credit Cards - Boost your business with a credit card that offers amazing perks tailored to your company's unique needs and expenses. 

Credit Cards make it convenient to make purchases but there are always some dos and don’ts you need to look out for.

Do’s

• Always pay your bills on time and in full to have a robust credit history and no interest charges.

• Always check your Credit Card statements regularly for errors to avoid any fraudulent activities.

• Always use your Credit Card wisely to avoid a debt trap.

Don’ts

• Don't share your Credit Card information with anyone.

• Don't exceed your credit limit.

• Don't make late payments.

• Use your Credit Card from reliable and trusted merchants.

• Set up alerts for transactions to detect any fraudulent activity.

• Always check your Credit Card statement for any discrepancies.

• Never save your card information on any websites.

• Use strong, unique passwords and never share your Credit Card information with anyone.

• Never use your Credit Card on public WiFis or unsecured transactions.

• In case of fraud or theft, report the same at the earliest to avail the Card Protection Plan.

The ICICI Bank Credit Card application process is very easy. Here are the steps to apply for a Credit Card:

1. Visit our official website

2. Select your Credit Card as per preference and check eligibility

3. Validate your address and employment information

4. Complete the authorisation process with either NetBanking or a Debit card

5. After an internal review, we will provide you with a new Credit Card.