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2 mins Read | 6 Months Ago

Upgrade Credit Card Online

Upgrade Credit Card Online


Upgrade Credit Card Online

In the ever-evolving landscape of personal finance, upgrading your Credit Card can be a strategic move to unlock multiple features and benefits. In this guide, we will address everything related to a Credit Card upgrade and help you get a clear understanding of what happens when you decide to upgrade your Credit Card.

What is a Credit Card upgrade?

A Credit Card upgrade refers to transitioning from your current Credit Card to a top-tier Card or an enhanced version of the Card, offered by the same issuer. This transition will provide additional benefits, features and privileges.

Imagine it as an opportunity to level up your Credit Card experience. Upgrading has several advantages like increased credit limits, better rewards and security features. It's a way for Credit Card users to enjoy more perks and tailor their financial tools to suit their evolving needs better. 

Why choose to upgrade your Credit Card?

Upgrading your Credit Card comes with a variety of benefits tailored to enhance your financial experience. Here are the major advantages of upgrading your Credit Card:

1. Enhanced credit limit

Upgrading your Credit Card may increase your credit limit based on your spending habits and credit history. It allows you to spend more without worrying about reaching your limit, contributing to a seamless and hassle-free financial experience.

2. Additional value on your spends

Opting for a Credit Card upgrade unlocks multiple rewards, offers and promotions. You can enjoy rewards in various categories like shopping, fine dining, luxury travel, air miles and more.

3. Quick Loan approval

A Credit Card upgrade provides a higher credit limit and expedites the Loan approval process. Responsible Credit Card usage and timely payments position you as a trustworthy borrower, potentially securing competitive interest rates when applying for a Loan.

4. Exceptional credit score

Upgrading your Card will help in boosting your credit score. Maintaining a healthy credit utilisation ratio is essential for a good credit score and an upgraded Credit Card offers increased credit limits, positively influencing your overall creditworthiness.

5. Healthier cash flow management

Credit Card upgrades empower you to manage your cash flow more efficiently. By allowing adjustments to your billing cycle, you can align it with your income and expenses. This strategic move ensures better control and monitoring of your monthly budget.

How to upgrade your Credit Card online?

It is very simple to upgrade your ICICI Bank Credit Card online. Here's how you can do it:

  • Download the iMobile Pay app and log in with your credentials

  • Go to the ‘Cards and Forex’ section and click on it to proceed

  • Click on the ‘Upgrade Now’ button

  • Select the Card as per your requirements

  • Click on ‘Submit’ to upgrade your Credit Card.


Upgrading your ICICI Bank Credit Card is a smart move. You will retain your existing benefits and gain access to additional features. Understanding the seamless transition, the impact on reward points and the convenience of enabling specific features will empower you to make informed decisions regarding your Credit Card upgrade. Take advantage of the enhanced capabilities and elevate your financial experience with an upgraded Credit Card.


When and where will I receive my new Credit Card?

Once you raise a request for a new Credit Card, ICICI Bank will dispatch it to your registered address within 7 working days. During this period you can continue using your existing Credit Card.

What will happen to my existing reward points in case of an upgrade?

Upon upgrading your ICICI Bank Credit Card you retain your existing reward points and accumulate extra points. The total value of your points remains unaffected.

What will happen to the EMIs/Loans and bill payments linked to my existing Credit Card?

All existing EMIs, bill payments and Loans linked to your current Credit Card will seamlessly get transferred to the new ICICI Bank Credit Card.

I am unable to use my Credit Card for online and international transactions. How do I enable the same?

To enable or disable transactions on your Credit Card, visit the ICICI Bank Website or connect with our Customer Care. 

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