ICICI Credit Card

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Get the latest cashback and discount offers on ICICI Credit Card
From discount on dining to airport lounge access, ICICI Credit Card offers all

ICICI Bank offers a wide range of credit cards with various benefits, whether you're using them for travel, shopping, or fuel purchases. These cards come with numerous offers, including movie discounts, Payback points, and complimentary access to airport lounges and golf courses. With exclusive perks, ICICI Credit Cards provide a premium experience, helping you save on purchases. Let’s explore the types of ICICI cards and their features, so you can easily choose the one that suits your needs.

Best ICICI Bank Credit Cards in India 2025

You should check these Best ICICI Credit Cards in India 2025 and choose one with maximum rewards, cashback, and discounts. At the same time, look for privileges such as lounge access and other travel benefits. If you don’t find a card with such credentials, a card with the most features at the lowest fee should be your pick.

Credit Card	Fees	Welcome Benefits
ICICI Bank Coral Credit Card	Joining Fee - Rs. 500/NIL Annual Fee- Rs. 500/NIL	NIL
ICICI Bank Rubyx Credit Card	Joining Fee- Rs. 3,000 + GST Annual Fee- Rs. 2,000 + GST	Receive a Rs. 1 welcome coupon for travel and shopping Rs. 5,000+ within 45 days of paying the joining fee.
ICICI Bank Sapphiro Credit Card	Joining Fee - Rs 6,500 Annual Fee- Rs. 6500 + GST	-Get a TataCliq Voucher of Rs. 3,000 as a welcome gift.
ICICI Bank HPCL Super Saver Credit Card	Joining Fee- Rs. 500 Annual Fee - Rs. 500	2,000 reward points and Rs.100 cashback on the HP Pay app.
ICICI Bank HPCL Platinum Credit Card	Joining Fee- Rs. 199 + GST Annual Fee (1st Year) Nil Annual Fee (2nd year onwards) Rs.199 + GST	NIL
ICICI Bank Coral Contactless Credit Card	1st Year Annual Fee - Rs. 500 plus GST 2nd Year Onwards Annual Fee - Rs.500 plus GST (Waived upon spending Rs. 1,50,000 or more annually.)	NIL
ICICI Bank HPCL Coral Visa Contactless Credit Card	Joining Fee- Rs. 199 + GST Annual Fee (1st Year) - Free Annual Fee (2nd Year Onwards) - Rs. 199 + GST* *If total spending on the Credit Card reaches Rs.50,000 or more in an anniversary year, the Annual Fee for the next year will be reversed. If spending is less than Rs.50,000, the Annual Fee will not be reversed.	NIL
ICICI Bank Unifare Mumbai Metro Credit Card	Single-time joining fee - Rs.299 From 2nd year joining fee- Rs.299	NIL
ICICI Bank Unifare Delhi Metro Credit Card	Joining Fee- Rs. 299 + GST Annual Fee- Rs. 299 + GST	NIL
ICICI Bank Unifare Bangalore Metro Credit Card	Joining Fee- Rs. 299 + GST Annual Fee- NIL 2nd Year - Rs. 299	NIL
ICICI Bank Expressions Credit Card	Joining Fee- Rs. 499 + GST Annual Fee- Rs. 499 + GST from 2nd year onwards. (it will wave off if you have spent Rs. 1,50,000 in the previous year. )	NIL
ICICI Bank Platinum Chip Credit Card	Annual Fee- NIL Renewal Fee- NIL	NIL
ICICI Bank Instant Platinum Credit Card	Annual Fee- NIL Renewal Fee- NIL	NIL
ICICI Bank Coral Credit Card Against Fixed Deposit	Joining Fee - 500 + GST Annual Fee- NIL	NIL
MakeMyTrip ICICI Bank Platinum Credit Card	Joining Fee- 500 Annual Fee- NIL Supplementary Card Joining Fee- Rs 200	Rs.500 MyCash is redeemable on the MakeMyTrip website. MakeMyTrip holiday voucher worth Rs.3,000.
Amazon ICICI Pay Credit Card	Annual Fee- NIL Renewal Fee- NIL	Welcome rewards: Rs.1,700 + 3-month free EazyDiner Prime Membership (Rs.1,095).
ICICI Emeralde Credit Card	Annual Fee- Rs. 12,000 + GST	NIL
ICICI Manchester United Signature Credit Card	Joining Fee- Rs. 2,499 + GST Annual Fee- Rs. 2,499 + GST (excluded from the previous year's spending of at least Rs. 2.5 lakh)	Within 30 days after paying the membership cost, take advantage of a complimentary gift of Manchester United-branded football and holdall.
ICICI Manchester United Platinum Credit Card	Joining Fee- Rs. 499 + GST Annual Fee- Rs. 499 + GST (from the 2nd year onwards) If you spent more than Rs 1,25,000 the year before, the annual fee is waived.	Get a welcome gift from Manchester United-branded football after paying the joining fee and making a transaction of at least Rs. 1000 within three months.
Coral Rupay Credit Card	Joining Fee - Rs.500 + GST Annual Fee - Rs.500 + GST	NIL
Times Black ICICI Bank Credit Card	Joining Fee – Rs.20,000 + GST Annual Fee – Rs.20,000 + GST (Annual Fee waiver on spends of Rs.25,00,000 in an anniversary year).	There are several joining benefits of this card, check below to know more.

Note: The fees will also be subject to the applicable GST.

Detailed Benefits of ICICI Bank Credit Card

ICICI Bank Coral Credit Card

The ICICI Coral Contactless Credit Card is perfect for new-to-credit individuals. With an annual fee of just Rs.500, it offers a decent reward rate, lounge access, and movie benefits, making it a low-cost option for building credit.

Earn 2 Payback points on spending for dining, groceries, supermarkets, and other categories, excluding fuel.
Enjoy 1 complimentary visit to a domestic airport lounge each quarter.
Every quarter, get one free pass to a few Indian railway lounges.
Make bookings on Bookmyshow and get 2 complimentary movie tickets under the Buy 1 Get 1 offer in a month.
Get a 25% discount, up to Rs.100, on a minimum purchase of two movie tickets per transaction via the Inox app, or the Inox box office. This offer can be availed twice a month and is subject to daily stock availability on a first-come, first-served basis.
Enjoy 15% off on your dining bills at over 2100 restaurants across the country.
Get a 1% fuel surcharge waiver on transactions up to Rs.4,000 per transaction at HPCL pumps.

ICICI Bank Rubyx Credit Card

The Rubyx Credit Card from ICICI Bank offers exclusive rewards on lifestyle, travel, shopping, and more. It provides enhanced spending power, premium privileges, and comprehensive insurance coverage.

You can earn up to 15000 Payback points on this ICICI credit card.
Enjoy 2 complimentary visits to the golf courses.
Get 2 complimentary accesses to the airport lounges per quarter.
Get a discount of 25% up to Rs.150 on a minimum of 2 movie tickets on BookMyShow and INOX.
Earn 2 reward points for every Rs.100 spent on domestic transactions, 4 reward points for every Rs.100 spent internationally, and 1 reward point for every Rs.100 spent on utilities and insurance.
Rs.2,000 Tata CliQ voucher
Rs.2,000 EaseMyTrip vouchers (2 x Rs.1,000)
Rs.250 Uber voucher
Rs.1,000 Tata Croma vouchers (2 x Rs.500)

ICICI Bank Sapphiro Credit Card

The Sapphiro Credit Card offers premium lifestyle privileges in travel, dining, entertainment, and golf.

You will get an EaseMyTrip Voucher of Rs. 4,000 and an Uber Voucher of Rs. 1000 as a welcome bonus.
Enjoy 4 Complimentary Access to the Airport Lounges 2 Complimentary Visits to the international airport lounges through this credit card.
Get 4 Complimentary Rounds of Golf every month.
Earn up to 20,000 Payback points after every anniversary year of the ICICI Credit Card.
Enjoy 2 Reward Points per Rs. 100 on Domestic Transactions and 4 Reward Points per Rs. 100 on International Transactions.
Earn 1 Reward Point on spending Rs. 100 on fuels, utilities, and insurance expenses.
Spend Rs. 4 Lacs in a year and earn 4000 Payback Points.
1% fuel surcharge waiver on fuel transactions up to Rs.4,000 at any outlet.

ICICI Bank HPCL Coral Credit Card

The ICICI Bank HPCL Coral Credit Card helps you save on fuel with cashback rewards and a fuel surcharge waiver.

Spend Rs. 100 (except fuel) and earn 2 PAYBACK points.
2.5% cashback on fuel purchases at HPCL fuel pumps is applicable for transactions with a minimum value of Rs.500.
Earn 2.5% cashback and 1% surcharge waiver on fuel purchases at petrol pumps.
Get Rs. 100 off on up to 2 movie tickets monthly on BookMyShow.
Enjoy a minimum of 15% off on your dining bills at over 800 restaurants across the nation.
Enjoy a 25% discount on movie ticket bookings, up to Rs.100 per transaction, on BookMyShow.

ICICI Bank HPCL Super Saver Credit Card

The ICICI HPCL Super Saver Credit Card offers up to 5% cashback on fuel at HPCL pumps, along with benefits on groceries and departmental stores. However, its fuel benefits are limited to HPCL outlets.

25% off (up to Rs.100) on booking 2+ movie tickets on BookMyShow and INOX, twice a month per platform.
1 complimentary domestic lounge access per quarter with Rs.35,000 spent in the previous quarter.
Exclusive dining benefits under the ICICI Culinary Treats Programme.
4% cashback (up to Rs.200/month) on fuel purchases at HPCL pumps.
5% cashback (up to 400 points/month) on grocery, departmental, and utility spending, including government transactions.

ICICI Bank Coral Contactless Credit Card

The ICICI Bank Coral Contactless Credit Card features MasterCard contactless payment technology, allowing you to make quick and secure payments by simply tapping your card at retail outlets.

Enjoy a 15% discount on dining bills at partner restaurants.
Get up to 2.5% cashback and a 1% fuel surcharge waiver on transactions of Rs. 4,000 or more at HPCL petrol bunks.
Avail complimentary airport lounge visits when booking airline tickets using your ICICI Bank Coral Contactless Credit Card.
Buy one movie ticket and get another free on BookMyShow.
Earn up to 10,000 bonus reward points every anniversary year.
Receive a complimentary Provogue tie worth Rs. 999 as a joining gift, delivered within 30 working days.

ICICI Bank HPCL Coral Visa Contactless Credit Card

The ICICI Bank HPCL Coral Visa Contactless Credit Card helps control fuel costs with cashback, fuel surcharge waivers, and accelerated rewards, redeemable instantly for fuel at HPCL pumps.

Earn 2 ICICI Bank Reward Points for every Rs.100 spent on retail purchases (excluding fuel).
Redeem 2000 ICICI Bank Reward Points for Rs.500 worth of fuel.
Get 2.5% cashback and a 1% surcharge waiver on fuel purchases at HPCL pumps.
Enjoy Rs.100 off on up to 2 movie tickets monthly at BookMyShow.
Save a minimum of 15% on dining at 2100+ restaurants through the Culinary Treats program.
Waive the annual fee by spending Rs. 50000 and above in a year.

Note: From May 20, 2017, 2.5% cashback on HPCL fuel purchases is applicable on transactions of Rs.500 or more.

ICICI Bank Unifare Mumbai Metro Credit Card

The ICICI Bank Unifare Metro Credit Card combines the convenience of a Metro Smart Card with the benefits of a credit card, offering seamless metro travel and rewards on your purchases.

Earn 2 PAYBACK points for every Rs.100 spent, except on fuel. Additionally, earn 4 PAYBACK points for every Rs.100 spent on auto recharge.
Save a minimum of 15% on dining bills at top restaurants nationwide. This offer is provided by ICICI Bank Culinary Treats.
Users can get a 2.5% fuel surcharge waiver at HPCL pumps when using ICICI swipe machines, on fuel transactions up to Rs.4000.

ICICI Unifare Delhi Metro Credit Card

The ICICI Bank Unifare Metro Credit Card offers the convenience of a Metro Smart Card along with the benefits of a credit card, allowing easy metro travel and rewarding your everyday purchases.

Earn PAYBACK points on every purchase, including shopping, movies, and dining.
Get 2 PAYBACK points for every Rs.100 spent (excluding fuel).
Earn 4 PAYBACK points for every Rs.100 spent on auto top-ups.
Users can enjoy a minimum 15% discount on dining bills at top restaurants nationwide, offered by ICICI Bank Culinary Treats.
These points can be redeemed for a variety of gifts through PAYBACK, India's largest multi-partner loyalty program. Customers can also use the points for Metro Miles, a cash recharge on their ICICI Bank Unifare Delhi Metro Credit Card. Each PAYBACK point is worth Rs. 0.25 when converted to Metro Miles.

ICICI Bank Unifare Bangalore Metro Credit Card

The ICICI Bank Unifare Bangalore Metro Credit Card is perfect for frequent travelers, offering the benefits of both an ICICI Bank credit card and a Namma Metro Smart Card. Available in the MasterCard variant, it features NFC technology for seamless use.

10% discount on travel fare at Bangalore Metro.
Earn 4 PAYBACK points on Auto Recharge and 2 PAYBACK points for every Rs.100 spent (excluding fuel).
1% fuel surcharge waiver at HPCL pumps.
Minimum 15% off dining bills at leading restaurants across India.
Spend Rs.50,000+ annually to get the Annual Fee of Rs.299 waived for the next year.

ICICI Bank Expressions Credit Card

The ICICI Bank Expressions Credit Card lets you personalize your card with an image that reflects your style. Choose from ICICI’s gallery or upload your photo. Read on to learn more about the ICICI Expressions Credit Card.

Get a discount of 25% up to Rs. 100 per month for up to 2 movie tickets on BookMyShow.
Enjoy 1 Complimentary visit to the Domestic Airport Lounge per quarter.
Save a minimum of 20% on Dining under the Culinary Treats Programme.
Spend Rs. 75,000 in the previous year to waive the renewal fee.
Enjoy a 1% fuel surcharge waiver on refuels at HPCL pumps, valid for up to Rs.4,000 per transaction, when paying via ICICI Merchant Services swipe machines.
On every retail purchase of Rs. 100 (except fuel), you will get 2 PAYBACK points.
Redeem 2000 PAYBACK points worth Rs. 500 by swiping your PAYBACK Membership card at any HPCL Fuel Station.

ICICI Bank Platinum Chip Credit Card

The ICICI Platinum Chip Credit Card is a lifetime-free card, ideal for newcomers looking to build their credit score. It offers rewards, dining discounts, fuel surcharge waivers, and more. Read on to learn more.

Earn 1 reward point per Rs.100 spent on insurance, utilities, and government transactions. Earn 2 reward points per Rs.100 spent on retail purchases (excluding fuel).
Save up to 15% on dining bills at 2,500+ restaurants nationwide with your ICICI Credit Card.
Get a 1% fuel surcharge waiver on transactions up to Rs.4,000 at Hindustan Petroleum fuel pumps.

ICICI Bank Instant Platinum Credit Card

The ICICI Bank Instant Platinum Credit Card is a secured card backed by a minimum Rs.50,000 ICICI fixed deposit, with no annual or joining fees. It offers movie discounts, rewards, dining benefits, and more, while your pledged FD continues to earn interest.

Cardholders can enjoy a 25% discount (up to Rs.100) on the purchase of at least 2 tickets via the BookMyShow website, available twice a month.
Exclusive dining offers at TGI Fridays, Café Coffee Day, Pizza Hut, Mainland China, Vaango, and more are available through the ICICI Bank Culinary Treats Program.
Cardholders can enjoy 2 rewards points for every Rs 100 spent.

ICICI Bank Coral Credit Card Against Fixed Deposit

The ICICI Bank Coral Credit Card against Fixed Deposit is a secured card, ideal for newcomers to credit, those without an income source, or individuals needing a higher credit limit.

Spend Rs.5,000 or more in a quarter to get 1 free access to Indian airport lounges in the following quarter.
Get 25% off (up to Rs.100) on 2 or more movie tickets via BookMyShow or INOX, twice a month, subject to availability.
Discounts on dining bills through the Culinary Treats Program.
Fuel surcharge waiver on transactions under Rs.4,000 at HPCL pumps when using ICICI Merchant Services swipe machines.
Earn 1 PAYBACK point per Rs.100 on utilities and insurance.
Earn 2x PAYBACK points on all spends (excluding fuel).
Earn 4x PAYBACK points on dining, groceries, and supermarket spending.

ICICI Emeralde Credit Card

The ICICI Emeralde Credit Card is a premium card for High Net Worth Individuals, offering unlimited lounge access, golf lessons, and hotel memberships, along with exclusive lifestyle perks.

Earn 4 reward points per Rs.100 on retail spending (excluding fuel).
Earn 1 reward point per Rs.100 on insurance, utilities, and government transactions.
Buy one ticket, get up to Rs.750 off on the second, up to 4 times monthly via BookMyShow. Valid on all movie and non-movie tickets.
Enjoy unlimited complimentary international airport lounge access with the Dreamfolks Membership Program.
Enjoy unlimited complimentary access to select Indian airport lounges with your ICICI Bank Emeralde Credit Card.
Get a complimentary golf round/lesson for every Rs.50,000 spent in the previous month, up to 4 rounds/lessons monthly.
Enjoy unlimited complimentary domestic airport spa access with the Dreamfolks Membership.

ICICI Manchester United Signature Credit Card

The ICICI Manchester United Signature Credit Card is a co-branded card for fans, offering accelerated rewards on matchday transactions, discounts on museum and tour bookings, and exclusive privileges like merchandise and match tickets for top spenders. It also provides lounge access, dining, and movie offers.

You can get a private tour of the Manchester United stadium and museum, and a trip to the Manchester United Megastore at the stadium if you are among the top 18 spenders.
Get 2 complimentary domestic lounge accesses per quarter by spending Rs.5,000 each quarter.
Manchester United Signature cardholders get 25% off (up to Rs.150) on select cinema tickets.
Enjoy a 1% fuel surcharge waiver on transactions up to Rs.4,000 at all HPCL pumps.
The top 100 spenders will get the Manchester United branded t-shirt every month.
A signed shirt and a ticket to a Manchester United game will be there for the person who spends the most per month.
Enjoy 10% off on buying the merchandise from Manchester United online store.
Have 2 complimentary visits to domestic airport lounges each quarter in India.
Enjoy 2 complimentary movie tickets every month as part of Buy 1, Get 1 Free on BookMyShow.
Get 15% off at more than 2,500 restaurants across India and a 1% fuel surcharge waiver at refilling stations on this ICICI Credit Card.

ICICI Manchester United Platinum Credit Card

The ICICI Bank Manchester United Platinum Credit Card is a co-branded card for fans, offering welcome perks like free merchandise, match tickets, and stadium visits, along with top spender benefits. It also includes domestic lounge access, dining, and movie discounts.

You can get a Manchester United T-shirt if you are among the 70 spenders every month.
Enjoy 2 reward points each on domestic and international transactions.
Get 3 reward points on spending made on the match days of Manchester United.
Manchester United Platinum cardholders get 25% off (up to Rs.100) on select movie tickets.
Save 15% on dining bills at 2,500+ restaurants in India with the ICICI Culinary Treats Program.
Have a 1% surcharge waiver on refilling the vehicle up to Rs. 4,000.
Get 1 complimentary domestic lounge access per quarter by spending Rs.35,000 in the previous quarter.

Amazon ICICI Pay Credit Card

The Amazon Pay ICICI Credit Card is the first in India to offer rewards for shopping on Amazon.in. Powered by Visa, it comes with a range of features and benefits.

Redeem reward points on over 10 crore products at Amazon and 100+ merchant partners.
Amazon Prime members earn 5% cashback on transactions at Amazon.
Non-Amazon Prime members earn 3% cashback on Amazon purchases.
Earn 2% cashback on transactions with over 100 Amazon Pay merchant partners.
Get 1% cashback on all other payments.
Rs. 150 in cashback on your first Amazon purchase or bill payment.
50% cashback (up to Rs.100) on prepaid recharges.
20% cashback (up to Rs.250) on electricity bill payments and 25% cashback (up to Rs.350) on broadband bill payments.
Up to Rs.125 cashback (starting from 10%) on gas cylinder payments.
Up to Rs.300 cashback (starting from 25%) on postpaid bill payments.

MakeMyTrip ICICI Bank Platinum Credit Card

The MakeMyTrip ICICI Bank Platinum Credit Card offers high rewards on travel expenses, along with a complimentary holiday voucher, lounge access, and other travel perks. It also provides movie ticket discounts and fuel transaction benefits.

Earn 1 MyCash per Rs.200 spent on domestic transactions outside MakeMyTrip, 1.25 MyCash per Rs.200 on international transactions, 2 MyCash per Rs.200 on flight bookings, and 3 MyCash per Rs.200 on hotel/holiday bookings on MakeMyTrip.
Get 1 complimentary domestic airport lounge access per quarter with Rs.35,000 spent, and 1 complimentary railway lounge access per quarter (primary cardholders only).
Get 25% off (up to Rs.100) on 2+ tickets per transaction, available twice a month on BookMyShow and Inox.
Take advantage of a 1% fuel price waiver at HPCL fuel pumps on purchases up to Rs. 4,000.
Earn 1,000 MyCash points on spending Rs.2.5 lakhs in an anniversary year, and 1,000 MyCash points on spending Rs.50,000 on the MakeMyTrip website/app in the same year.

ICICI Coral Rupay Credit Card

The ICICI Coral RuPay Credit Card is an entry-level card ideal for building credit. It offers reward points across categories like gadgets, lifestyle, and travel.

Earn 2 reward points per Rs.200 spent (excluding fuel) on the ICICI Coral RuPay Credit Card and earn cash rewards on an annual spend of Rs.3 lakh.
Earn 1 reward point per Rs.100 on insurance and utilities spends.
Get 25% off on movie tickets from BookMyShow and INOX.
Enjoy milestone benefits on spending Rs.3 lakh.
Get complimentary airport and railway lounge access in India.
Avail a 1% fuel surcharge waiver on Rs.5,000 fuel spent each month.
Get cashback on UPI transactions.

Times Black ICICI Bank Credit Card

The Times Black ICICI Bank Credit Card, a premium metal card co-branded with Times Internet Ltd., is designed for luxury lifestyles and travel. It provides unrestricted lounge access and milestone incentives up to Rs. 70,000 for an annual charge of Rs. 20,000.

Welcome & Renewal Benefits:
Unlock these exclusive joining benefits through the Times Black app within 1 year of receiving the details via email:

EaseMyTrip luxury stay gift card worth Rs.10,000.
Travel Visa benefits via Atlys and OneVasco, valued at Rs.10,000.
Lifestyle gift cards from Toni&Guy and Interflora, total Rs.4,000.
Annual Zomato Gold membership to elevate your dining experiences.
Access to The Quorum Club for premium privileges.

Other Benefits:-

Enjoy unlimited, complimentary access to exclusive airport lounges both domestically and internationally.
1% fuel surcharge waiver on spends up to Rs.4,000, capped at Rs.1 lakh/month.
Exclusive discounts on luxury brands, premium retailers, and fine dining.
Access to ET Awards events and luxury dining with celebrity chefs.
No fees on credit card cash withdrawals.

ICICI Bank Credit Card Eligibility

After fulfilling the following requirements, both self-employed people and salaried individuals can apply for ICICI credit cards:-

The applicant must be a citizen of India.
The minimum age at the time of application must not be less than 18 years and a maximum of 60 years.
The salaried individual must have a minimum annual income of Rs.2.5 lakh to be eligible for a credit card.
Self-employed people need to make at least Rs. 3,000,000 a year.
The applicant must not have fallen behind on payments for previous or continuing credits.

Documents Required For ICICI Bank Credit Card

Here is the list of documents that are required to apply for the ICICI Bank Credit Cards -

KYC Documents: Aadhaar Card, Passport, Voter ID, or Driving Licence
Address Verification: Utility bills (electricity, water, gas), Passport, or Aadhaar Card
Proof of Income: Salary slips or latest bank statement
Additional Documents: PAN Card or Form 60
Photographs: Recent passport-size photos

How To Apply for an ICICI Credit Card Online?

You can also apply for an ICICI Credit Card at ICICI Bank’s website. Candidates applying at the ICICI Bank website have to follow the steps shown below:

Go to the ICICI Bank website.
Select the ‘Apply Online’ option.
From the drop-down menu, choose the ‘Credit Cards’ option available under the heading of Cards.
Feed the relevant information in the fields.
Click on the ‘Show Eligible Cards’ button.
Select the card type you wish to apply for.
Click on the ‘Apply’ button.
Now upload the required documents.

ICICI Bank Credit Card Limit

Getting a higher credit limit at the same time is crucial if grabbing reward points, discounts, cashback, and other attractive incentives is necessary. It’s not clear how much of a limit you can get. But one thing is for sure, the limit would mainly depend on your income, credit score, and repayment potential. A higher limit shouldn't cause you to spend excessively on the card and discourage you from making required payments. A much higher use can result in a default on your end. Therefore, make thoughtful purchases and manage your finances. At the same time, don’t be so restrained in spending that the credit history does not build for you. You may find it easier to obtain credit cards and other lending products in the future if you have a solid credit history with an ICICI Bank credit card.

What are the benefits of increasing ICICI Bank's Credit Card Limit?

Here are some of the benefits of Increasing an ICICI Bank Credit Card Limit -

Improved Credit Score: A higher credit limit can lower your credit utilization ratio (the amount of credit you're using compared to your available credit), which can boost your credit score.

Enhanced Purchasing Power: You can deal with crises or make bigger purchases without worrying about going over your limit if you have a greater limit.

Enhanced Rewards: Many credit cards offer rewards like cashback or points. A higher limit allows you to earn more rewards by using the card more often.

Better Financial Flexibility: A higher limit gives you more options to manage your spending and handle unexpected expenses with ease.

While increasing your credit limit offers many advantages, it's important to use it responsibly. Always aim to pay off your balance in full each month to avoid debt and high-interest charges.

Make ICICI Credit Card Payment Online

You can log in to ICICI Bank’s Internet Banking to pay the amount due on your credit card. If you do not have the net banking access of ICICI Bank but have some other banks, even then you can make the payment using this route. All you have to do is add the ICICI Credit Card to that bank's account as a biller. You will receive an SMS from the relevant bank with the bill amount, due date, and other details. Also, you can set up AutoPay on your ICICI Bank Credit Card Bill to avoid the hassles that come with forgetting the due date.

ICICI Bank Credit Card Customer Care Number

In case you have any query related to ICICI bank credit cards, you can register your grievance by dialing a toll-free number, between 9 a.m. to 6 p.m. from Monday to Friday:

1800 102 4242

The customer care executives of the bank are here to give you proper support and guidance so that all your queries and complaints can be solved easily.

Get Your ICICI Bank Credit Card Statement Online

You can now view and download your Credit Card statement in the logged-in section.

Log in with your User ID and Password to access your statement.
To obtain your User ID, call Customer Care, authenticate your details, and
Select the ‘Self Banking’ option.

Conclusion

ICICI Bank Credit Cards offer a wide range of benefits customized to meet the needs of different customers, from travel perks and shopping rewards to dining discounts and enhanced financial flexibility. With options for every type of spender, including premium cards for high-net-worth individuals and entry-level cards for those new to credit, ICICI Bank ensures there's a card to suit every lifestyle. Whether you're looking to build your credit score, earn rewards, or access exclusive privileges, ICICI Bank Credit Cards provide valuable features to help you manage your finances and enjoy a seamless, rewarding experience.

Frequently Asked Questions (FAQs)

1. How Can I Raise Credit Limit on My ICICI Bank Credit Card?

You can get the limit raised by giving a request for the same at any of the ICICI Bank branches. The bank will first check your card repayment track before responding to your request. If the repayment is found good, the bank will entertain your request. On a general note, the bank also sends SMS regarding an increase in the credit limit. If you reply to the SMS, the bank executives will contact you and get your limit raised.

2. How Can I Convert My ICICI Credit Card Transactions into EMI?

When you shop online, you would see several payment modes appearing on the screen. You just need to choose card EMI first before clicking on ICICI Bank and selecting from tenures of 3 months, 6 months, 9 months and a year. After that, you need to mention credit card number, name as written on the card, cvv number, expiry date of the card before clicking on ‘Submit’ button. You’ll get an One-time Password (OTP) on your registered mobile number. Enter that number and get the transaction converted into EMIs.

3. How to Update or Change Communication Address on My Credit Card Account?

You can do so by visiting the nearest ICICI Bank branch. All you need to do is submit your identity and new address proofs. You may have to notify the change in address through a form, which you can get from a bank official.

4. How can I apply for a credit card online?

You can directly head over to the website of your preferred bank and apply for a credit card. Apart from that, you can compare various credit cards of different banks and apply for one at Wishfin.

5. Can I use my credit card after moving to another country?

As per RBI guidelines, the credit cards issued by ICICI Bank are only for Indian Citizens. However, if you are moving to another country you need to clear all the outstanding dues on the card and surrender it to the bank before you give up on your Indian citizenship. It is mandatory for all the citizens who are planning to become citizens of another country.

6. What if your ICICI Bank Credit Card gets declined?

Your credit card may get declined due to a number of reasons. You can either visit the bank branch or contact their customer care service to know why your payment is being declined on their credit card.

7. How to update your Email address or mobile number on your credit card?

You can easily change your email address or mobile number by visiting your nearest ICICI Bank Branch. Moreover, if you use the ICICI bank’s net banking facility, you update your details by logging into it.

8. How do Banks charge Interest on a Credit Card?

Banks charge an interest on the total outstanding amount as well as the fresh transactions that are made till the date as the previous amount is required to be paid in full. You are required to pay the total interest amount that is due and not paid on the due date.

9. What happens if you overuse your credit card?

In case you make a transaction that exceeds your credit limit, ICICI Bank has the right to decide whether the transaction shall be approved or not. If ICICI Bank approves your transaction, then it will charge an over-limit charge of 2.5% of the amount above your credit limit.

10. What is the minimum CIBIL score requirement for a credit card?

Generally, ICICI Bank approves a credit card application if the applicant has a CIBIL score above 700. However, there are cases where the bank might approve a credit card application with a CIBIL score of 650.

11. Are Credit Cards offered with any Airport Lounge Benefits?

ICICI Bank has a range of credit cards that come along with access to Domestic as well as International Lounges at Airports. However, it is recommended that you should always check all the benefits of the credit card with your lender before applying for it.

12. Is it possible to apply for a credit card with Low CIBIL Score?

CIBIL scores as low as 650 are likely to get approval for an ICICI Bank credit card. However, scores below 650 are usually considered poor and the application can only be approved if the applicant provides security or collateral such as a Bank Fixed Deposits.