Headquartered in Mumbai, ICICI bank is an Indian multinational bank that has a wide network of 4,450 branches and 13,995 ATMs spread across India. Being the second largest bank of the country in terms of assets, the bank offers an extensive range of banking products and financial services to both the corporate and retail customers. One amongst them is issuance of credit cards. The bank offers variety of credit cards like Gemstone cards, airline cards, ferrari cards, metro cards and many more to cater the needs of the customer. Each card is designed to serve a unique purpose.

Key Features Of ICICI Credit Cards

  • Easy application process
  • Wide variety of cards to choose from
  • Provide travel benefits such as travel miles and complimentary airport lounge access
  • Give cash rewards and payback offers
  • Customer can avail heavy discounts on shopping, fuel ,dining & movies
  • Fuel surcharge waiver on use of credit card at selective fuel pumps

Types of Credit Cards Provided By ICICI Bank

The bank offers multiple credit cards under the categories of Gemstone card, Airline Cards, Fuel Cards and Contactless Cards.

Features and Benefit of Different Types of Credit Cards

1. Gemstone Cards

Card Name Benefits Fees & Charges Reward Points Offers

ICICI Bank Coral Credit Card

  • Tie – up with Provongue on joining
  • Cash rewards on dining, groceries and supermarkets
  • 15% saving on dining bills
  • Joining Fee:₹1,000 + service taxes
  • Annual Charges :₹ 500 + service taxes, payable from second year
  • Waived off if spent more than ₹ 1.25 lakhs
  • Earn 4 payback points on dining, groceries and at supermarkets on every ₹100 purchase
  • Earn 2 payback points on every spent of ₹100 on other transaction
  • Free movie tickets on booking from bookmyshow.com
  • Discounts on dining bills at all participating restaurants
  • Airport lounge access privilege

ICICI Bank Coral American Express Credit Card

  • Extra 50% reward points on online spends
  • Annual fee is paid back if the total spend on the credit card in an year is ₹1.25 lakhs or more
  • Joining Fee: ₹1,250 + services taxes
  • Annual Fee :Year 1- Nil Year 2- ₹500 + service taxes
  • Supplementary card fee : Nil
  • Overdue interest on extended credit and cash advances: 3.40% per month
  • Earn 4 payback points on every spent of ₹100 on dining, groceries and supermarkets
  • Earn 3 payback points on every ₹100 spent on online transaction
  • Earn 2 payback points on every ₹100 spent on other transaction except for fuel
  • Attractive cash rewards
  • On joining benefit of tie-up with Provongue

ICICI Bank Rubyx Credit Cards

  • Based on spent of the card the customer can avail the benefit of visiting the golf course of his choice once a month
  • On joining the applicant will get a set of Sennheiser HD221 headphones
  • Joining Fee – ₹3,000 + service tax
  • Annual Fee – ₹2,000 + service tax payable from second year
  • Waived off if spent ₹2.50 lakhs in previous year
  • Flexible rewards plan
  • The customer can choose from 3 different reward plans based on the likely spends category and earn 2x reward points
  • Free access to airport lounges in India

ICICI Bank Sapphiro Credit Card

  • Avail advantage of 2 cards with the convenience of 1 account
  • Get privileges on dinning, travel, entertainment and golf
  • Joining Fee : ₹6,500 + service tax
  • Annual Fee : ₹3,500 + service tax payable from second year
  • Waived off if spent more than ₹ 5 lakhs in previous year
  • Earn 2 payback points on domestic spends
  • Earn 4 payback points on international spends
  • Kindle free on payment of joining fee
  • Membership to the priority pass lounge access programme

ICICI Bank Diamant Credit Cards

  • Limited access credit cards
  • Exclusive privileges provided to the holder
  • Comprehensive insurance cover
  • Exclusive movie screening

2. Airline Cards

Card Name Benefits Fees &Charges Reward Points Offers

Jet Airways ICICI Bank Coral Credit Card

  • On joining get 2,500 welcome bonus JP Miles
  • Get 1,250 JP Miles bonus, renewed every year
  • Joining Fee : ₹1,250
  • Annual Fee : Year 1- Nil Year 2- ₹ 1,250
  • Supplementary Card Fee:₹ 250
  • Relaxation of 2.5% on surcharge payment on fuel transaction of ₹4,000

Jet Airways ICICI Bank Rubyx Credit Card

  • 5,000 welcome bonus JP Miles
  • Save minimum 15% on dining
  • No annual fee or joining fee charged from Jet Privilege Platinum Tier Members
  • Joining Fee :₹2,500
  • Annual Fee : ₹2,500 applicable from second year of joining
  • Earn up to 5 JP Miles on every payment of ₹ 100 made by card
  • A free Jet Airways ticket on joining
  • One on one free movie ticket a week

Jet Airways ICICI Bank Sapphiro Credit Card

  • Heavy discounts on golf rounds, dining, movie tickets and other things
  • On joining receive 10,000 JP Miles welcome bonus
  • Joining Fee : ₹5,000
  • Annual Fee: ₹5,000 payable from second year of joining
  • Waived off if JetPrivilege Tier Platinum members
  • Earn up to 7 JP Miles on the card payment of every ₹100
  • Access to airport lounge
  • Jet Airways ticket on Joining

British Airways Premium Credit Card

  • On everyday purchase enhance your chance to get free air tickets
  • Annual Fee Year 1 - ₹ 7,000 Year 2 onwards - ₹ 7,000
  • Supplementary Card Fee- Nil
  • Overdue Intereston extended credit and cash advance – 3.40% per month
  • Earn up to 9 Avios on card payment of ₹ 100 and its multiple
  • 25,000 Avios on British Airways return ticket from India to London booked within 3 months of card set-up
  • 8,000 bonus Avios on first usage of card

3. Fuel Cards

Card Name Benefits Fees &Charges Reward Points Offers

ICICI Bank HPCL Coral American Express Credit Card

  • Savings and cashback of 2.5% on fuel purchase from HPCL pumps
  • Joining Fee – ₹199 + service tax
  • Annual Fee – ₹199 + service tax payable from year 2
  • Supplementary Card Fee – Nil
  • Overdue Interest on extended credit and cash advance – 3.40% per month
  • Earn 2 payback points on every ₹100 spent on retail purchases except for fuel
  • On redemption of 2,000 points get fuel worth ₹500
  • ₹100 discount on up to 2 movie tickets per month

ICICI Bank HPCL Coral Credit Card

  • On total card expenditure of ₹50,000 and above the annual fee of the subsequent year will be reversed
  • Joining Fee – ₹199 + service tax
  • Annual Fee – ₹199 + service tax payable from year 2
  • Supplementary Card Fee – Nil
  • Overdue Interest on extended credit and cash advance – 3.40% per month
  • Earn 2 payback points on spent of every ₹100
  • ₹ 100 off on movie tickets

ICICI Bank HPCL Platinum Credit Card

  • On annual spend of ₹50,000 & above get back the annual fee of subsequent year
  • Joining Fee – ₹199 + service tax
  • Annual Fee – ₹199 + service tax payable from year 2
  • Supplementary Card Fee– Nil
  • Overdue Interest on extended credit and cash advance – 3.40% per month
  • 5 payback points on fuel expands at HPCL pumps
  • 2 payback points on other spends
  • ₹100 cash back on fuel purchase

4. Contactless Cards

Card Name Benefits Fees & Charges Reward Points Offers

ICICI Bank Coral Contactless Credit Card

  • Unlimited cash rewards
  • Built-in mastercard contactless technology for safe and secure retail payments
  • Joining Fee : ₹1,000 + service tax
  • Annual Fee: ₹500 + service tax payable from 2 nd year
  • Earn 4 payback points on dining, groceries and at supermarkets on every ₹100 purchase
  • Earn 2 payback points on every spent of ₹ 100 on other transaction
  • Buy one get one free movie ticket
  • Free tie-up with Provongue

ICICI Bank HPCL Coral Visa Contactless Credit Card

  • Built-in mastercard contactless technology for safe and secure retail payments
  • Heavy redemption on fuel bills
  • Joining Fee – ₹199 + service tax
  • Annual Fee – ₹ 199 + service tax payable from 2 nd year
  • 2 payback points on card payment of every ₹100
  • Get ₹100 discount on up to 2 movie tickets a month
  • 2.5% cashback and surcharge waiver on fuel purchase

5. More Cards

Card Name Features & Benefits Fees & Charges Reward Points

ICICI Bank Platinum Chip Credit Card

  • Waiver on fuel surcharge
  • Exciting rewards
  • Save on dining at 800 restaurants
  • Joining Fee : ₹ 199
  • Annual Fee : ₹99 payable from second year
  • Supplementary Card Fee : Nil
  • Overdue Interest on extended credit and cash advance – 3.40% per month
  • Earn 2 payback points on every ₹100 card purchase

ICICI Bank Instant Platinum Credit Card

  • Individual with minimum deposit of ₹20,000 booked for the tenure of 180 days can avail the card
  • Low interest rate charged on card payment
  • Earn reward points and redeem cash
  • No joining or annual fee charged
  • 2 payback points on every ₹100 spent on all purchases except for fuel

ICICI Bank Coral Credit Card Against Fixed Deposit

  • Individual with minimum deposit of ₹20,000 booked for the tenure of 180 days can avail the card
  • Multiple benefits and cash back
  • Joining Fee : ₹500

Other Cards Offered By The Bank

  • Ferrari Signature Card
  • Ferrari Platinum Card
  • ICICI Bank Unifare Mumbai Metro Credit Card
  • ICICI Bank Unifare Delhi Metro Credit Card
  • ICICI Bank Unifare Banglore Metro Credit Card

ICICI Bank Credit Card Eligibility

The salaried and self- employed people are eligible to apply for credit card at ICICI bank if -

  • the applicant is a citizen of India
  • the minimum age is 23 years
  • the salaried individual earns a minimum monthly salary of ₹20,000
  • the self-employed's minimum annual turnover is ₹3,00,000
  • the applicant is not a credit defaulter

How To Apply

The candidates can apply for credit cards either by visiting the bank branch or online. The candidates applying online have to follow the steps given below :

  • Open the ICICI Bank website
  • Select Apply online option
  • From the drop down menu choose credit cards option available under the heading of Cards
  • Feed the relevant information in the fields appearing on the screen
  • Click on Show Eligible Cards button
  • Select the type of card you wish to apply for
  • Click on apply button
  • Now upload the documents required

Documents Required

  • ID Proof and Address Proof
  • PAN Card
  • ITR or salary slip of the last 2 months
  • Passport sized photograph