Joining ICICI Bank Credit Builder Program

The Instant Credit Card is an excellent choice to help you begin building a good credit score:

  • Entry into the Credit Builder program is complimentary with the Instant Credit Card.
  • We report your good credit behaviour to credit rating agencies to generate your credit score.
  • We also give you access to vast store of information on how to build good score.

To start building credit score, you will need to:

  • Spend regularly on your card
  • Our tip: score generation doesn't begin till you do this.
  • Stay within your credit limit
  • Our tip: this indicates that you are not 'credit-hungry' and is a good credit practice.
  • Always make your monthly payments to us and to other lenders on time
  • Our tip: Behaving well on Instant Card is important but don't allow late payments or defaults on other loans or cards to spoil your score – after all, other lenders may report this behavior as well.

    You must continue to manage your purchase and payment to avoid lowering your credit score.

Click here to apply for your Instant Credit Card and join our Credit Builder Program.