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      Credit Card FAQs

      EXPAND ALL | COLLAPSE ALL

      What is a Credit Card?

      A Credit Card is a payment card that works on the concept of purchasing now and paying later. A Credit Card is accepted universally and allows the Cardholder to purchase goods without cash. Bank issues the Credit Card with a certain credit limit amount to spend basis the customer's income eligibility and profile. There is a set time period for paying the Credit Card bill however, in case of any delay the customer has to pay the utilised amount along with an interest and other charges.

      What are the benefits of a Credit Card?

      The benefits of an ICICI Bank Credit Card:

      • Universal payment acceptance
      • Earn Reward Points or cashback for every retail spend made on ICICI Bank Credit Card
      • Enjoy credit free payment days of maximum up to 48 days including the due-date
      • Fuel Surcharge waiver
      • Exciting discount offers on dine-out and movie tickets
      • VISA lounge access benefits
      • Build a credit history etc.

      What is a Credit Card balance?

      A Credit Card balance is the available balance from the sanctioned credit amount, which a Cardholder can use to purchase goods through the following methods: Online, Point of Sale, Cash Withdrawal etc.

      What is a Credit Card Statement?

      A Credit Card Statement is a summary of spends and payments made through the Credit Card during the specific period of credit cycle.

      What are Reward Points and how does one use them?

      Reward Points are awarded against retail purchases on your ICICI Bank Credit Card, which may differ between cards. It can be redeemed on our reward platform.

      Can I use my Credit Card for international transactions?

      You can activate your Credit Card for International transactions through iMobile Pay or Retail Internet Banking (RIB).

      Why should I apply for an ICICI Bank Credit Card?

      ICICI Bank offers a varied range of Gemstone and Co-branded Credit Cards which fulfils your day-to-day expenditure requirement along with exciting offers and discounts on selective range of products throughout the year.

      View More

      A feature packed card for every need

      What are you looking for in a card?

      Your Net Annual Income (In Lakhs):

      ₹
      • ₹2.5L
      • ₹15L

      Joining fee: NIL

      Annual fee: NIL

      • Zero Joining and

        Annual Fees

      • 2 Rewards Points per Rs. 100

        spent, except Fuel

      • 1% Fuel Surcharge waiver at

        HPCL petrol pumps

      • Exclusive Dinning Offers through

        Culinary Treats Programme

      • Upto 10,000 Reward Points

        in anniversary years

      • 1% Fuel Surcharge waiver

        at HPCL Petrol Pumps

      SHOW More SHOW Less
      Apply Now know more

      Joining fee: ₹500

      Annual fee: ₹500

      • 25% discount on movie tickets, on BookMyShow

        and Inox, twice per month

      • Exclusive Dinning Offers through Culinary

        Treats Programme

      • One Complimentary Railway and Domestic

        Airport Lounge Access, per quarter

      • 1% Fuel Surcharge waiver at HPCL

        Petrol Pumps

      • Upto 10,000 Reward Points

        in anniversary years

      • 1% Fuel Surcharge waiver

        at HPCL Petrol Pumps

      SHOW More SHOW Less
      Apply Now know more

      Joining fee: ₹3000+GST

      Annual fee: ₹2000+GST

      • Welcome vouchers worth

        Rs. 5000+

      • 25% discount on movie tickets, on BookMyShow

        on BookMyShow and Inox, twice per month

      • Air Accident insurance of Rs 1 cr and

        lost card liability Rs 50k

      • Two Complimentary rounds of

        golf, per month

      • Upto 10,000 Reward Points

        in anniversary years

      • 1% Fuel Surcharge waiver

        at HPCL Petrol Pumps

      SHOW More SHOW Less
      Apply Now know more

      Joining fee: ₹3000+GST

      Annual fee: ₹2000+GST

      • Welcome vouchers worth

        Rs. 9000+

      • Buy one movie ticket, get Rs 500 off on second

        tikcet, on BookMyShow, twice per month

      • Two Complimentary International Airport

        Lounge Access, per year

      • Four Complimentary Domestic Airport Lounge

        Access, per quarter

      • Upto 10,000 Reward Points

        in anniversary years

      • 1% Fuel Surcharge waiver

        at HPCL Petrol Pumps

      SHOW More SHOW Less
      Our Credit Cards give you access<br /> to a world of unlimited offers!</h2> :special offers tabs cards" data-card-limit="10">

      Our Credit Cards give you access
      to a world of unlimited offers!

      All Tab All
      Electronics Electronics
      Travel Travel
      Food Food
      Lifestyle Lifestyle
      Recharge Recharge
      All Tab All
      View all offers

      Check out our newly-launched Credit Cards

      • Accelero

      • Rubyx

      • Sapphiro

      Accelero Credit Card

      • 2 Reward Points

        per ?100 spent

      • 1% Fuel Surcharge waiver

        at HPCL petrol pumps

      • Exclusive Dining Offers

        through Culinary Treats Programme

      Apply Now know more
      Rubyx Credit Card

      • 2 Reward Points

        per ?100 spent

      • 1% Fuel Surcharge waiver

        at HPCL petrol pumps

      • Exclusive Dining Offers

        through Culinary Treats Programme

      Apply Now know more
      Sapphiro Credit Card

      • 2 Reward Points

        per ?100 spent

      • 1% Fuel Surcharge waiver

        at HPCL petrol pumps

      • Exclusive Dining Offers

        through Culinary Treats Programme

      Apply Now know more

      Our cards come loaded with a range of
      benefits and conveniences

      Tap to Pay upto
      ?5,000 without a pin
      Choose your own
      limit and billing cycle
      Convert to EMI - Pay in convenient instalments with EMI option
      Get a personal loan on credit card in an emergency
      Get a personal loan on credit card in an emergency

      Credit Card Videos

      To know how to create fixed deposits on internet banking
      3 Years Ago

      How do I apply for Instant Credit Card on iMobile Pay app?
      3 Years Ago

      How do I apply for Instant Credit Card on Netbanking?
      3 Years Ago

      Credit Card Services on ICICI Internet Banking
      3 Years Ago
      VIEW ALL VIDEOS
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      Credit Card Reviews

      Star
      Double quote

      Very nice behavior and supportive staff. He helped me open a Gold Loan Account easily. Thanks for your co-operative behavior Mr. Pawan Sharma.

      Sachdeep Chahal

      I have availed a Gold Loan from your bank i.e. ICICI Bank, Jamalpur Branch and I am very satisfied with your services. The staff was very polite in dealing with us. It helps that the interest will be levied at the end of the tenure. Even the time taken for processing the Gold Loan was less than most other banks.

      Amardeep Kumar

      I have availed a Gold Loan from ICICI Bank and the bank services are very good, in terms of Customer Service and the processing time of the loan. The loan processing time is less compared to other banks and the bank charges interest at the end of loan tenure. This feature is really the best.

      Rahul Raj

      I have availed a Gold Loan from ICICI Bank and the bank services are very good, in terms of Customer Service and the processing time of the loan. The loan processing time is less compared to other banks and the bank charges interest at the end of loan tenure. This feature is really the best.

      Vivek Rai
      Double quote

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