Apply Online
Credit Card
ICICI Bank Credit Cards offers a host of benefits and features to cater to your needs. What’s more? You can avail cashbacks and instant discounts from a plethora of offers available on your ICICI Bank Credit Card. So get the Credit Card that best suits your needs by browsing through the Credit Card section and apply now.
Net Annual Income
Select Your Credit Card
Platinum Chip Credit Card
- No Joining Fee. No Annual Fee
- Earn ICICI Bank Reward Points on your spends except fuel
- Exclusive Dinning Offers through Culinary Treats Programme
- Save on 1% fuel surcharge, waived off at HPCL petrol pumps
MakeMyTrip ICICI Bank Platinum Credit Card
- Joining Fee: Rs.500+GST, Annual Fee (Second year onwards) – Nil
- Rs 500 My Cash plus MakeMyTrip holiday voucher worth Rs 3,000 as joining benefit
- 1 complimentary airport lounge access per quarter and 1 complimentary railway lounge access
Manchester United Platinum Credit Card
- Joining Fee - Rs 499 + GST
- Get a Manchester United branded football on activation
- Movie ticket benefit – Buy 1, Get 1 free
- 1 complimentary domestic airport lounge visit per quarter
Select Your Credit Card
Coral Credit Card
- Joining fee 500 + GST
- Earn up to 10,000 additional reward points
- 25% discount on movie tickets, on BookMyShow and Inox, twice per month
- One complimentary railway lounge visit per quarter
MakeMyTrip ICICI Bank Signature Credit Card
- Joining Fee: Rs.2500+GST, Annual Fee (Second year onwards) – Nil
- Rs 1,500 My Cash* plus complimentary MMTBLACK Exclusive membership*, plus MakeMyTrip holiday voucher worth Rs 2,500 on joining
- Complimentary international and domestic airport lounge access# and domestic railway lounge access
- Exclusive MMT Cabs benefits
Manchester United Signature Credit Card
- Joining Fee- Rs 2,499 + GST
- Get a Manchester United branded holdall and football on joining
- Movie ticket benefit – Buy 1, Get 1 free
- 2 complimentary domestic airport lounge visits per quarter
Select Your Credit Card
Rubyx Credit Card
- Exclusive privileges - entertainment, dining, wellness and golf
- Complimentary airport lounge access
- Buy 1, get 1 movie ticket free at BookMyShow
- Welcome vouchers on shopping and travel
MakeMyTrip ICICI Bank Signature Credit Card
- Joining Fee: Rs.2500+GST, Annual Fee (Second year onwards) – Nil
- Rs 1,500 My Cash* plus complimentary MMTBLACK Exclusive membership*, plus MakeMyTrip holiday voucher worth Rs 2,500 on joining
- Complimentary international and domestic airport lounge access# and domestic railway lounge access
- Exclusive MMT Cabs benefits
Manchester United Signature Credit Card
- Joining Fee- Rs 2,499 + GST
- Get a Manchester United branded holdall and football on joining
- Movie ticket benefit – Buy 1, Get 1 free
- 2 complimentary domestic airport lounge visits per quarter
Select Your Credit Card
Sapphiro Credit Card
- Exclusive privileges - entertainment, dining, wellness and golf
- Complimentary membership to the Dreamfolks DragonPass programme
- 25% discount on movie tickets, on BookMyShow and Inox, twice per month
- Welcome vouchers on shopping and travel
MakeMyTrip ICICI Bank Signature Credit Card
- Joining Fee: Rs.2500+GST, Annual Fee (Second year onwards) – Nil
- Rs 1,500 My Cash* plus complimentary MMTBLACK Exclusive membership*, plus MakeMyTrip holiday voucher worth Rs 2,500 on joining
- Complimentary international and domestic airport lounge access# and domestic railway lounge access
- Exclusive MMT Cabs benefits
Manchester United Signature Credit Card
- Joining Fee- Rs 2,499 + GST
- Get a Manchester United branded holdall and football on joining
- Movie ticket benefit – Buy 1, Get 1 free
- 2 complimentary domestic airport lounge visits per quarter
Lifestyle benefits
Safety and security
3Filters
Filters
Platinum Credit Card
- Zero Joining and Annual Fees
- 2 Rewards Points per Rs. 100 spent, except Fuel
- 1% Fuel Surcharge waiver at HPCL petrol pumps
- Exclusive Dinning Offers through Culinary Treats Programme
Coral Credit Card
- 25% discount on movie tickets, on BookMyShow and Inox, twice per month
- Exclusive Dinning Offers through Culinary Treats Programme
- One Complimentary Railway and Domestic Airport Lounge Access, per quarter
- 1% Fuel Surcharge waiver at HPCL Petrol Pumps
Rubyx Credit Card
- Welcome vouchers worth Rs. 5000+
- 25% discount on movie tickets, on BookMyShow and Inox, twice per month
- Air Accident insurance of Rs 1 cr and lost card liability Rs 50k
- Two Complimentary rounds of golf, per month
Recently Launched Credit Cards
Related Credit Card Videos
Related Credit Card Videos
Popular Credit Card FAQs
What is a Credit Card?
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.
What are the benefits of a Credit Card?
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.
What is the eligibility criteria for a Credit Card?
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.
How can I apply for a Credit Card online?
You can apply for an ICICI Bank Credit Card by visiting our official website i.e. https://www.icicibank.com/
What is a Credit Card balance?
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.
What is a Credit Card Statement?
A Credit Card Statement is a summary of spends and payments made through the Credit Card during the specific period of credit cycle.
What are Reward Points and how does one use them?
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.
Can I use my Credit Card for international transactions?
You can activate your Credit Card for International transactions through iMobile Pay or Retail Internet Banking (RIB).
Why should I apply for an ICICI Bank Credit Card?
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.
Credit Card Eligibility
| Minimum Age of 21 | ||
| Minimum annual income | ICICI Bank Salaried customer | ₹ 2,40,000 |
| Non-ICICI bank Salaried customer | ₹ 3,60,000 | |
| Self employed and holding Savings account with ICICI Bank | ₹ 3,60,000 (ITR) | |
| Self employed and not holding Savings account with ICICI Bank | ₹ 4,80,000 (ITR) | |
Credit Card Interest Rates and Charges
Credit Card Interest Rates
Are you familiar with the charges applicable on your Credit Card transactions? Let’s find out more about the six common types of Credit Card charges:
| Joining/Annual Fee | The Joining Fee is an initial cost to own the Card. It varies from bank to bank and on the type of card you apply for. It is usually followed by an Annual Charge. |
| Interest Charge | Interest Charges are levied on all new transactions and on outstanding dues, due to non-payment by the due date. The maximum charge is 3.75%, per month. |
| Late Payment Fee | If you are unable to pay the outstanding amount, the Bank will notify you to pay the minimum amount. In case you fail to pay the minimum amount, a late payment fee is charged. |
| Foreign Transaction Fee | Although some Credit Cards are accepted globally, you will still have to incur an extra transaction fee if you are swiping in a foreign country. It is usually around 3.50% and is charged as a percentage of the transaction amount. |
| Over-the-Limit Fee | You are assigned a credit limit based on the type of Credit Card. If you spend beyond the threshold limit, your Bank will charge an Over-the-Limit Fee which can be around 2.50% on the over-limit amount. |
| GST | The Goods and Service Tax or GST is applicable on all Credit Card transactions. Presently, the GST rate for banking and financial services is at 18%. |
Credit Card Charges
|
|
Credit Card |
Monthly |
Annual |
|
Overdue Interest rate |
ICICI Bank Instant Platinum Credit Card/ ICICI Bank Instant Gold Credit Card/ Fixed Deposit Instant Credit Card |
2.49% |
29.88% |
|
InterMiles ICICI Bank Credit Cards |
3.50% |
42.00% |
|
|
ICICI Bank Coral Credit Card |
3.40% |
40.80% |
|
|
ICICI Bank Rubyx Credit Card |
3.40% |
40.80% |
|
|
ICICI Bank Sapphiro Credit Card |
3.40% |
40.80% |
|
|
ICICI Bank Make My Trip Platinum Credit Card |
3.50% |
42.00% |
|
|
ICICI Bank Make My Trip Signature Credit Card |
3.50% |
42.00% |
|
|
ICICI Bank Manchester United Platinum Credit Card |
3.67% |
44.00% |
|
|
ICICI Bank Manchester United Signature Credit Card |
3.67% |
44.00% |
|
|
ICICI Bank HPCL Coral Credit Card |
3.40% |
40.80% |
|
|
ICICI Bank HPCL Super Saver Credit Card |
3.50% |
42.00% |
|
|
ICICI Bank Accelero Credit Card |
3.40% |
40.80% |
|
|
ICICI Bank Mine Credit Card |
3.40% |
40.80% |
|
|
ICICI Bank Expressions Credit Card |
3.40% |
40.80% |
Related Credit Card Offers
Related Blogs
Supplementary Credit Cards
You can also get an add-on or supplementary credit card
With the add-on card, you can share almost all the benefits of your ICICI Bank Credit Card with the members of your family at no additional fee with an add-on card. Interested to know more about this feature? Click the button below to discover how you can extend the benefits of your credit card to your family.
Important notices
- Login to your account with your user ID and password to view your credit card statement.
- If you are a member holding the Visa Signature Credit Card from ICICI Bank, please click here for some important information on the priority pass benefit.
- A redemption handling fee (and GST thereon) is levied for every request seeking redemption of reward points earned on our credit cards, debit cards or MySavingsRewards. For more details, please click here
- Members holding the Instant Platinum Credit Card from ICICI Bank will earn two ICICI Bank Reward points on every ₹100 spent on all purchases (except fuel purchases).
3D Secure registration, an additional security protocol for your credit card
Option 1: Log in to the 3D Secure section at www.icicibank.com
Step 1 - Visit https://www.3dsecure.icicibank.com
Step 2 - Enter the number of your credit card, the date it’s valid from and your date of birth.
Option 2: Real-time OTP generation
A unique OTP is generated for every transaction. So, you can be rest assured that your transactions are secure, because it’s not possible to generate an OTP in advance using IVR or through SMS or IVR OTP (IOTP). The OTP will be sent only when you initiate your transaction.
For Verified by Visa or Mastercard SecureCode services, register here.
FAQs and terms and conditions
- FAQs
- Most important terms and conditions
- Terms and conditions
- Credit Limit Increase
- Terms and conditions for EMI on call
- Terms and conditions for instant EMI
- Terms and conditions for Personal Loan on Credit Card (PLCC)
- Terms and conditions relating to Aadhaar Updation
- Fair practice code
- Privacy policy
- Disclaimer
Digital Banking
Advance. Innovative. Instant
- Mobile Banking
- Net Banking
- WhatsApp Banking
#350+Services
Digital Banking
Advance. Innovative. Instant
Download
iMobile App
Click to Enlarge
Download
Pockets
Click to Enlarge
Quick tips and helpful product demonstration videos - ICICI Bank Online Demos & Videos
Explore Now
