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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.

The benefits of an ICICI Bank Credit Card:

• 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.

Eligible applicant must:

• Be a citizen of India
• Be between the age limit of 21 years till 58 years, if salaried
• Up to 65 years of age, if self-employed
• Must fulfil the minimum income requirement at the time of application.

You can apply for an ICICI Bank Credit Card by visiting our official website i.e. https://www.icicibank.com/

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.