Want us to help you with anything?
Request a Call back

This field is required Only alphabetes are allowed
This field is required Only alphabetes are allowed
Please enter valid number
Please enter valid email
Please select product type
Please enter valid pincode

Thank you for your request.

Your reference number is CRM

Our executive will contact you shortly

Credit Cards

Is this card offered free? Is there any fee payable on renewal?

ICICI Bank Instant Platinum Credit Card – It is a free card. There are no joining fees or renewal fees.

ICICI Bank Coral Credit Card against Fixed Deposit – Joining Fees – INR 500 + GST, Annual Fees – INR 500 + GST, reversed if Annual Spends is more than INR 150,000.

How can the customer cancel the Credit Card?

ICICI Bank Credit Cards offer a host of features and offers specially designed for our esteemed customers. Please reconsider your decision of cancelling your Credit Card.

In case you want to go ahead with the cancellation, please clear the outstanding amount due as on date and redeem the Reward Points accumulated against your Credit Card.

Please note that Reward Points will not be redeemable after the card has been cancelled.

We wish to inform you that there is a redemption facilitation fee of Rs 99 and Service Tax on Handpicked Rewards Scheme, catalogue-based redemption on the PAYBACK Rewards Scheme and ICICI Bank Rewards Scheme. For online and in-store redemption on the PAYBACK Rewards Scheme (redemption on PAYBACK Partner Brands like and and in-store partners like Big Bazaar and HPCL), a redemption facilitation fee of Rs 25 plus Service Tax is applicable.

For any clarification or more information, call 1800 1080 from your registered mobile number. Alternatively, write to us at from your registered e-mail ID.

What is the tenure of a Fixed Deposit?

You can avail of ICICI Bank Fixed Deposits for a minimum deposit of Rs 50,000 to avail an ICICI Bank secured Credit Card.

Choice of Plans:

Select from 2 Investment Plans:

Traditional Plan: Earn interest on a monthly/quarterly basis, as per your convenience, with a maturity period starting from 6 months.

Reinvestment Plan: Earn interest compounded quarterly and reinvested with the principal amount, with a maturity period ranging from 6 months to 10 years.

Can I apply for Add on card for My Spouse?

Yes, Customer can apply up to 3 supplementary cards at no extra charge. With Supplementary Add on Credit Card form, you will be required to enclose a copy of separate self attested proofs of identity and residential address of the proposed add on card holder.

How is the customer consent taken on marking lien on a fixed deposit for ICICI Bank Instant Credit Card?

For ICICI Bank Insta Credit Card the applicant needs to sign the terms and conditions before taking the card.

When will the FD get liquidated in case of default?

If the credit card payment is not paid for 60 days past due date or if the credit card outstanding becomes more than 95% of the Fixed Deposit amount, the Fixed Deposit will be liquidated.

Is existing fixed deposit accepted as “guarantee” for ICICI Bank Insta Credit Card?

Existing fixed deposit can be accepted as “guarantee” for issuing ICICI Bank Insta Credit Card. Original Fixed Deposit Receipt (FDR) should be submitted to branch along with application form.

In the event of cardholder’s death, how can one request for card cancellation & FD closure?

Fixed Deposit nominee can request the Bank branch for card cancellation & Fixed Deposit closure. Copy of death certificate of primary card holder should be presented and attached with Insta Credit Card cancellation request form.

What is the credit limit of an Insta Credit Card?

The credit limit will be 90% of the Fixed Deposit amount but cannot exceed INR 5 lakh.

When will the customer get the credit card?

Customer gets the card instantly from the branch or from the sales executive after filling up the Fixed Deposit form and providing KYC documents.

Can Insta Credit Card be given to a 3rd party?

No, it can be issued only to the primary Fixed Deposit account holder.

Existing fixed deposit is in joint name. Is this fixed deposit valid for availing ICICI Bank Insta Credit Card?

ICICI Bank Insta Credit Card cannot be issued against joint Fixed Deposit.

What are the documents to be submitted along with ICICI Bank Insta Credit Card application form?

Applicant has to submit prevailing KYC documents for opening a Fixed Deposit as a part of the application form. A self attested copy of the Identity proof is also required. Original FDR (Fixed Deposit Receipt) will be required in case of an existing Fixed Deposit.

Is it mandatory for a customer to open a savings account for creating an FD?

It is mandatory for customers to have a Savings Account with the Bank. Standalone FDs are not eligible.

Why is the ICICI Bank Insta Credit Card not given to the secondary Fixed Deposit holder?

Because the KYC is done only for the primary Fixed Deposit holder, only he/she is eligible for the Credit Card.

Who can be offered Credit Builder Program (CBP)?

Previously / Existing delinquent customers who pay off their waived off / entire outstanding amount respectively, can be offered this program.

Does customer gets a personalized credit card?

Yes, Once the Instant credit card is active customer can apply for personalised credit card, Personalized credit card will have a Fee of Rs.100.

What is waived amount under Credit Builder Program?

Waived amount is the amount of waiver or discount given to the customer during settlement. It includes principal waiver, interest waiver & income or charges reversal.

What is the minimum amount of Fixed Deposit required, to be enrolled under the Credit Builder Programme (CBP)?

Minimum Fixed Deposit of INR 50,000 is required.

Other credit cards get interest free credit period. Will ICICI Bank Insta Credit Card offer same benefits?

ICICI Bank Insta Credit Card also offers interest free credit period as applicable on other ICICI Bank credit cards to the cardholder along with all other benefits which are offered by similar ICICI Bank Gold Credit Cards. Details of the offers will be available in the welcome kit given to customers.

What type of Fixed Deposits are allowed for Insta Credit Card offer?

Both Traditional and Cumulative mode are allowed for ICICI Bank Insta credit cards. Also there should be no existing lien marked or partial withdrawal on the Fixed Deposit.

Is enhancing the credit limit on card by opening new fixed deposit or by offering another fixed deposit as “guarantee” permitted?

No, this is not permitted.

If an existing Fixed Deposit is in a joint name, is this FD valid for availing an ICICI Bank Insta Credit Card?

Yes. The Instant Credit Card will be issued on the Primary Holder’s name and consent of both Joint FD holders will be required for the Credit Card issuance.