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Credit Card FAQs
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.
CREDIT CARD
A credit card for every need.
CREDIT CARD
A credit card for every need.
ICICI Reward
Points on spends
Airport Lounge
Access
Discounts at
Restaurants & Movies
-
Step 1
Enter
basic details -
Step 2
Complete KYC
online -
Step 3
Get your card
on the fly
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
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
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
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
Check out our newly-launched Credit Cards
-
Accelero
-
Rubyx
-
Sapphiro
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 Reviews
Very nice behavior and supportive staff. He helped me open a Gold Loan Account easily. Thanks for your co-operative behavior Mr. Pawan Sharma.
IÂ 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.
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.
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.
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