Want us to help you with anything?
Request a Call back
Apply for Credit Card Online & Get Instant Approval
ICICI Bank Credit Cards offer a range of features to meet your financial needs. You can enjoy amazing deals and discounts through various offers. Discover competitive joining fees, interest rates, flexible EMI options and annual fees tailored to your preferences. Apply now to make the most out of these benefits.
Select Annual Income
Select Your Credit Card
Platinum Chip Credit Card
- No Joining Fee. No Annual Fee
- Earn ICICI Bank Reward Points on your spends except fuel
- Save on 1% fuel surcharge, waived off at HPCL petrol pumps
MakeMyTrip ICICI Bank Platinum Credit Card
- Joining Fee: Rs.500+GST, Annual Fee (Second year onwards) – Nil
- Rs 500 My Cash plus MakeMyTrip holiday voucher worth Rs 3,000 as joining benefit
- 1 complimentary airport lounge access per quarter and 1 complimentary railway lounge access
Manchester United Platinum Credit Card
- Joining Fee - Rs 499 + GST
- Get a Manchester United branded football on activation
- Movie ticket benefit – Buy 1, Get 1 free
- 1 complimentary domestic airport lounge visit per quarter
Select Your Credit Card
ICICI Bank Coral Credit Card
- Joining fee 500 + GST
- Earn up to 10,000 additional reward points
- 25% discount on movie tickets, on BookMyShow and Inox, twice per month
- One complimentary railway lounge visit per quarter
MakeMyTrip Signature Credit Card
- Joining Fee: Rs.2500+GST, Annual Fee (Second year onwards) – Nil
- Rs 1,500 My Cash* plus complimentary MMTBLACK Exclusive membership*, plus MakeMyTrip holiday voucher worth Rs 2,500 on joining
- Complimentary international and domestic airport lounge access# and domestic railway lounge access
- Exclusive MMT Cabs benefits
Manchester United Signature ICICI Bank Credit Card
- Joining Fee- Rs 2,499 + GST
- Get a Manchester United branded holdall and football on joining
- Movie ticket benefit – Buy 1, Get 1 free
- 2 complimentary domestic airport lounge visits per quarter
Select Your Credit Card
ICICI Bank Rubyx Credit Card
- Exclusive privileges - entertainment, dining, wellness and golf
- Complimentary airport lounge access
- Buy 1, get 1 movie ticket free at BookMyShow
- Welcome vouchers on shopping and travel
MakeMyTrip ICICI Bank Signature Credit Card
- Joining Fee: Rs.2500+GST, Annual Fee (Second year onwards) – Nil
- Rs 1,500 My Cash* plus complimentary MMTBLACK Exclusive membership*, plus MakeMyTrip holiday voucher worth Rs 2,500 on joining
- Complimentary international and domestic airport lounge access# and domestic railway lounge access
- Exclusive MMT Cabs benefits
Manchester United Signature Credit Card
- Joining Fee- Rs 2,499 + GST
- Get a Manchester United branded holdall and football on joining
- Movie ticket benefit – Buy 1, Get 1 free
- 2 complimentary domestic airport lounge visits per quarter
Select Your Credit Card
Sapphiro Credit Card
- Exclusive privileges - entertainment, dining, wellness and golf
- Complimentary membership to the Dreamfolks DragonPass programme
- 25% discount on movie tickets, on BookMyShow and Inox, twice per month
- Welcome vouchers on shopping and travel
MakeMyTrip ICICI Bank Signature Credit Card
- Joining Fee: Rs.2500+GST, Annual Fee (Second year onwards) – Nil
- Rs 1,500 My Cash* plus complimentary MMTBLACK Exclusive membership*, plus MakeMyTrip holiday voucher worth Rs 2,500 on joining
- Complimentary international and domestic airport lounge access# and domestic railway lounge access
- Exclusive MMT Cabs benefits
Manchester United Signature Credit Card
- Joining Fee- Rs 2,499 + GST
- Get a Manchester United branded holdall and football on joining
- Movie ticket benefit – Buy 1, Get 1 free
- 2 complimentary domestic airport lounge visits per quarter
Explore Credit Card Features & Benefits
3Filters
Filters
Choose and Compare the Best Credit Card
3Filters
Platinum Credit Card
- Zero Joining and Annual Fees
- 2 Rewards Points per Rs. 100 spent, except Fuel
- 1% Fuel Surcharge waiver at HPCL petrol pumps
Coral Credit Card
- 25% discount on movie tickets, on BookMyShow and Inox, twice per month
- One Complimentary Railway and Domestic Airport Lounge Access, per quarter
- 1% Fuel Surcharge waiver at HPCL Petrol Pumps
Rubyx Credit Card
- Welcome vouchers worth Rs. 5000+
- 25% discount on movie tickets, 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
Sapphiro Credit Card
- 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
Manchester United Platinum Credit Card
- Complimentary Manchester United Football
- Up to 3 reward points per Rs. 100 spent
- 25% off up to Rs. 100 on selected cinema ticket retailers
- 1 Complimentary Airport Lounge Access per quarter
Manchester United Signature Credit Card
- Complimentary Manchester United Football & Holdall
- Up to 5 reward points per Rs. 100 spent
- 25% off up to Rs. 150 on selected cinema ticket retailers
- Two Complimentary Airport Lounge Access/quarter
show more cards
RECENTLY LAUNCHED CREDIT CARDS
Amazon Pay ICICI Credit Card
Save even when you spend and enjoy special privileges with the Amazon Pay ICICI Bank Credit Card. This is a card that pays you back, everywhere and every time. It is a card made exclusively for you, so there is no limit to your celebrations
Parakram Credit Card
A Card dedicated to those who dedicate their lives to serving the nation.
To honour the spirit and selfless service of the Indian Defence and Paramilitary personnel, ICICI Bank has introduced Parakram Credit Card which offers a special privilege of 5X ICICI Bank Reward Points per Rs 100 spent on Grocery, Department Stores & Canteen Stores Department (CSD).
ICICI Bank HPCL Super Saver RuPay Credit Card
ICICI Bank HPCL Super Saver RuPay Credit Card comes with a secured RuPay payment network and an access to UPI. This Card offers a host of benefits like welcome benefits, savings on fuel, reward points on utilities and departmental stores, roadside assistance services, discounts on movie platforms, domestic airport lounge access, personal accident insurance, 24x7 concierge services and much more.
Everything You Need to Know About Credit Cards
| Minimum Age of 21 | ||
| Minimum annual income | ICICI Bank Salaried customer | ₹ 2,40,000 |
| Non-ICICI bank Salaried customer | ₹ 3,60,000 | |
| Self employed and holding Savings account with ICICI Bank | ₹ 3,60,000 (ITR) | |
| Self employed and not holding Savings account with ICICI Bank | ₹ 4,80,000 (ITR) | |
Things to know before applying for a Credit Card
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.
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.
Pay your bills on time
Late payments can negatively impact your credit score and result in late payment charges and interest charges.
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.
Keep track of your expenses
It's important to keep track of your expenses to avoid overspending and to pay your bills on time.
Are you familiar with the charges applicable on your Credit Card transactions? Let’s find out more about the six common types of Credit Card charges:
| Joining/Annual Fee | The Joining Fee is an initial cost to own the Card. It varies from bank to bank and on the type of card you apply for. It is usually followed by an Annual Charge. |
| Interest Charge | Interest Charges are levied on all new transactions and on outstanding dues, due to non-payment by the due date. The maximum charge is 3.75%, per month. |
| Late Payment Fee | If you are unable to pay the outstanding amount, the Bank will notify you to pay the minimum amount. In case you fail to pay the minimum amount, a late payment fee is charged. |
| Foreign Transaction Fee | Although some Credit Cards are accepted globally, you will still have to incur an extra transaction fee if you are swiping in a foreign country. It is usually around 3.50% and is charged as a percentage of the transaction amount. |
| Over-the-Limit Fee | You are assigned a credit limit based on the type of Credit Card. If you spend beyond the threshold limit, your Bank will charge an Over-the-Limit Fee which can be around 2.50% on the over-limit amount. |
| GST | The Goods and Service Tax or GST is applicable on all Credit Card transactions. Presently, the GST rate for banking and financial services is at 18%. |
|
Credit Card |
Monthly |
Annual |
Overdue Interest rate |
ICICI Bank Instant Platinum Credit Card/ ICICI Bank Instant Gold Credit Card/ Fixed Deposit Instant Credit Card |
2.49% |
29.88% |
InterMiles ICICI Bank Credit Cards |
3.50% |
42.00% |
|
ICICI Bank Coral Credit Card |
3.40% |
40.80% |
|
ICICI Bank Rubyx Credit Card |
3.40% |
40.80% |
|
ICICI Bank Sapphiro Credit Card |
3.40% |
40.80% |
|
ICICI Bank Make My Trip Platinum Credit Card |
3.50% |
42.00% |
|
ICICI Bank Make My Trip Signature Credit Card |
3.50% |
42.00% |
|
ICICI Bank Manchester United Platinum Credit Card |
3.67% |
44.00% |
|
ICICI Bank Manchester United Signature Credit Card |
3.67% |
44.00% |
|
ICICI Bank HPCL Coral Credit Card |
3.40% |
40.80% |
|
ICICI Bank HPCL Super Saver Credit Card |
3.50% |
42.00% |
|
ICICI Bank Accelero Credit Card |
3.40% |
40.80% |
|
ICICI Bank Mine Credit Card |
3.40% |
40.80% |
|
ICICI Bank Expressions Credit Card |
3.40% |
40.80% |
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:
Visit our official website
Select your Credit Card as per preference and check eligibility
Validate your address and employment information
Complete the authorisation process with either NetBanking or a Debit card
After an internal review, we will provide you with a new Credit Card.
Popular Credit Card FAQs
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.
Benefits of a credit card are:
- 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.
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.
A Credit Card Statement is a summary of spends and payments made through the Credit Card during the specific period of credit cycle.
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.
You can activate your Credit Card for International transactions through iMobile Pay or Retail Internet Banking (RIB).
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.
RELATED CREDIT CARD OFFERS
ICICI Bank Brings Exclusive Offer On McDonald’s
Get a free McChicken /McVeggie worth ₹145 on a minimum purchase of ₹399. Coupon code: ICICIFREE
Everyday Delights Trendy Wednesdays Offer On Flipkart
Get 10% instant discount on purchase of products across fashion category at Flipkart
Get The Biggest Deals On Biggest Brands With Tata Neu
Offer is applicable on ICICI Bank Credit Card Full Swipe, Credit and Debit Card EMI transactions.
Get Up To 22.5% Cashback On Select Samsung Products
Get Up to 22.5% cashback on select Samsung products .
Tata CLiQ Offer - Get 15% Off On Your Weekend Shopping
Get 15% instant discount on Tata CLiQ Palette mobile app (https://tatacliq-palette.onelink.me/93PU/75wj3kdb), and Tata CLiQ e-commerce site (www.tatacliq.com), respective Mobile site and Mobile application
Avail Rs 5,000 Instant Discount On Croma
Grab Exciting Offers At Croma With Your ICICI Bank Credit/Debit Cards!
Offer is applicable on Credit and Debit Card Full Swipe transactions and also on Credit and Debit Card EMI Transactions
Get Flat Rs 100 Off On Zomato
Flat Rs 100 off on a minimum order of Rs 499 <(applicable for new customers)
Use coupon code ‘ICICINEW’, valid once per card, per month
Related Blogs
Supplementary Credit Cards
You can also get an add-on or supplementary credit card With the add-on card, you can share almost all the benefits of your ICICI Bank Credit Card with the members of your family at no additional fee with an add-on card. Interested to know more about this feature? Click the button below to discover how you can extend the benefits of your credit card to your family.
Save upto 10% on Emirates Airline with the Emirates Skywards ICICI Bank Credit Card
