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Chip Credit Card

Security of Chip card

Your card comes with a microchip that is difficult to duplicate, thus providing additional security against counterfeiting/ duplication of the card.

This chip card comes with an extra layer of security in the form of a Personal Identification Number(PIN). You will be required to enter your PIN on the terminal for transaction at the merchant outlet.Know more.


Rewards powered by PAYBACK

Earn 2 PAYBACK points on every Rs. 100 spent for all retail purchases except fuel. Your points are easily redeemable for attractive products through PAYBACK, India's largest multi-partner coalition loyalty programme. To know more about PAYBACK points, listed partners, redemption process and other details, please visit or email at or call the PAYBACK contact centre on 1860-258-5000.
Now you can also redeem your PAYBACK points by calling the ICICI Bank 24-hour Customer Care.


Rs. 99 Annual Fee Savings

Here's the smart way to enjoy maximum benefits without having to pay for it! Just ensure that you spend Rs. 50,000 or more annually on your Card and the Annual Fee for the subsequent year shall be reversed.

Fuel Surcharge

Fuel Surcharge waiver

2.5% fuel surcharge waiver can be availed on fuel transactions of maximum Rs. 4,000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines.

Savings on Dining

Culinary Treats

Shower your taste buds with delicious treats at leading restaurants across India and get great discounts too. Save a minimum of 15% on your dining bill at over 800 participating restaurants.For more details please visit



Wine, dine and unwind with great offers from luxury hotels, restaurants, lifestyle stores, spas and moreover, when you travel abroad there is a dedicated Global Emergency Assistance Service provided by Visa for reporting loss of card, emergency card replacement, emergency cash advance or for other enquiries that you may have. For updated details on all privileges and for a list of contact numbers please visit



MasterCard Moments is an exclusive program specially created for MasterCard cardholders. At the heart of this program is a host of exceptional experiences designed to inspire and enrich the lives of our MasterCards cardholders, with program members able to enjoy additional benefits. For more details, visit

Fees & Charges

Joining & Annual Fees

  • Joining Fee – Rs. 199 (service tax as applicable)
  • Annual Fee (Second year onwards) – Rs. 99* (service tax as applicable)
  • Supplementary Card Fee – NIL
  • Overdue interest on extended credit and cash advances – 3.40% per month (40.80% annualized)
  • You can avail of this card if you are more than 23 years old

Special Offer for select corporate**

No Joining Fee for first year if purchases exceed Rs. 2,000 within 60 days of card set up.

* If total spends on the Credit Card is Rs. 50,000 or more during an anniversary year, the Annual Fee for the subsequent year shall be reversed.

** Corporates eligible under the offer:

For a list of Corporates eligible under the offer, click here.

^ To know about your Credit Card set up date please contact our 24-hour Customer Care

Please refer to the Most Important Terms & Conditions (MITC)