ICICI Bank Credit Card

ICICI is the topmost banks which issue credit cards to their customers in India. These credit cards are helpful for the individual’s financial needs. Many features and benefits are also available on the credit cards from ICICI bank as travel, fuel, shopping, entertainment, dining, and more.

 Types of ICICI Credit Cards

To get a clear idea about the credit cards and to know how it actually works follow the below content. By knowing the details about the different credit cards, it becomes easy for you to choose the right one which is necessary as per your needs.

Credit Card Types-

• Travel Credit cards
• Lifestyle Credit cards
• Fuel Credit card
• Rewards Credit cards
• Shopping Credit cards
• Premium Credit cards

Travel Credit Cards-

Cards that are especially beneficial for the travel purpose are offered by the ICICI bank. Along with the travel cards you can earn the reward points, travel discounts, air miles, can get free lounge access, and many. The types of cards are as follows-

Make My Trip ICICI Bank Platinum Credit Card

• This card is best for travel.
• There is no need to pay an annual fee.
• The key features of the card are railway lounge access and free domestic airport
• The annual income should be Rs.1.8 lakhs per annum.

Make My Trip ICICI Bank Signature Credit Card

• This card is best for travel.
• The annual fee is Rs.2000/-.
• The key features of the card are, every year you get 15,000 PAYBACK points.
• The annual income should be Rs.6 lakhs per annum.

ICICI Bank Sapphiro Credit Card

• This card is best for travel.
• The annual fee is Rs.5000/-.
• The key features of the card are Dragon Pass Membership
• The annual income should be Rs.9.6 lakhs per annum.

Intermiles ICICI Bank Sapphiro Credit Card

• This card is best for travel.
• The annual fee is Rs.5000/-.
• The key features of the card 5,000 Renewal Bonus Intermiles

ICICI Banks Rewards Credit Cards-

ICICI Bank Coral Contactless Card-

• This card is best for Reward Points.
• The annual fee is Rs.500/-.
• The key features of the card is 10,000 PAYBACK Points every year
• The annual income should be Rs.20,000 per annum.

ICICI banks Shopping Credit Cards

ICICI Bank Amazon Pay Credit Card

• This card is best for shopping.
• The annual fee is Nil.
• The key feature of the card is 1% Cash back on all transactions.

Manchester United Signature Credit Card

• This card is best for shopping.
• The annual fee is Rs.2,499/-.
• The key feature of the card is 10% off at Manchester United Megastore.
• The minimum income Rs.4.2 lakh per annum.

Manchester United Platinum Credit Card

• This card is best for shopping.
• The annual fee is Rs.499/-.
• The key feature of the card is Manchester United Football as a Welcome gift.
• The minimum income Rs.1.8 lakh per annum.

ICICI Platinum Chip Credit Card-Visa

• This card is best for shopping.
• The annual fee is Nil.
• The key feature of the card is Minimum 15% savings on dining.
• The minimum income Rs.15,000 per month.

ICICI Bank Emerald Credit Card

• This card is best for Lifestyle.
• The annual fee is Rs.12,000 p.a.
• The key feature of the card is complimentary Golf Lessons

ICICI Banks Fuel Credit Cards-

ICICI Bank HPCL Credit cards

• This card is best for Fuel.
• The annual fee is Rs.199/-.
• The key feature 2.5% cashback on fuel spends at HPCL pumps.

Best ICICI Credit Cards in India

ICICI Credit Card Names	Annual Fee	Suited For	Income Required
ICICI Bank Coral Contactless Card	Rs.500	Reward Points	Rs. 20,000 p.m.
ICICI Platinum Chip Card – Visa	Nil	Shopping	Rs. 15,001 p.m.
Manchester United Platinum Credit Card	Rs.499	Shopping	Rs. 1.8 lakh p.a.
Manchester United Signature Credit Card	Rs.2,499	Shopping	Rs. 4.2 lakh p.a.
MakeMyTrip ICICI Bank Platinum Credit Card	Nil	Travel	Rs. 1.8 lakh p.a.
MakeMyTrip ICICI Bank Signature Credit Card	Nil	Travel	Rs. 4.2 lakh p.a.
ICICI Bank Rubyx Credit Card	Rs.2,000	Travel	Rs. 6 lakh p.a.
ICICI Bank Sapphiro Credit Card	Rs.3,500	Travel	Rs. 9.6 lakh p.a.
ICICI Bank Diamant Credit Card	Rs.10,000	Premium	Visit bank
ICICI Bank Emerald Credit Card	Rs.12,000	Lifestyle	Visit Bank
ICICI Bank HPCL Credit Cards	Rs.199	Fuel	Check Alternate Options
Intermiles ICICI Bank Sapphiro Credit Cards	Rs. 5,000	Travel	Alternate Options
ICICI Bank Amazon Pay Credit Card	Nil	Shopping	Check Alternate Options
ICICI Bank Visa Signature Credit Card	Rs. 2,000	Premium	Visit Bank

Eligibility criteria-

To apply for the credit cards one should have the minimum eligibility criteria required. Should submit all the necessary documents as proof of identity, proof of address, and proof of income.

Applicable Fees and Charges-

The annual fee and the joining fee will be dependent on the card to card. The redemption charges are Rs.99/- for the hand-picked, ICICI bank reward schemes, PAYBACK’s Catalogue based redemptions. Rs.25/- for the online and in-store redemptions. The free Credit Period is from 18 to 48 days. The cash advance fee is 2.50% of the amount which could be minimum Rs.300/-. The over-limit charges are 2.50%. A late payment fee is also applicable. Up to 42% per anum are finance charges. 3.50% of the amount would be for the foreign transaction fee.

ICICI Credit Card Customer Care Number –

Personal Banking- All India: 1860 120 7777

FAQs

• How the interests are charged on the Credit cards?

The interest has to be paid on the total amount which is not paid on the due date. This has to be paid by the customer. The interests are charged depending on the total outstanding amount and the fresh transactions made to date.

• What is the self-set limit on an add-on card?

The customers can pre-set the spending amount for months as the limit on his add-on credit card. If any transactions are made more than the set limit that transactions will be declined.