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ICICI Bank Credit Card

Apply online for ICICI Bank Credit Card: Check your ICICI Bank Credit Card Eligibility ✓ Offers ✓ Fee charges ✓Reward Points ✓ Apply Online instantly at IndiaLends.

How it Works

Apply for a Credit Card online by filling an easy application form.

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Basic Eligibility Criteria

Good Credit Score

Above 23 Years of Age

Self-Employed or Salaried Professional

Resident of India

Valid Bank Account

Aadhar Card , Voter ID / Driving License and PAN Card

Bank Statements for The Last Three Months

Salary Slips for The Last Three Months

Comparison Table for ICICI Bank Credit Card

IndiaLends offers a wide range of ICICI Bank credit cards online with various benefits and rewards. With each card, you get exclusive privileges and unique membership benefits which are designed to fulfil all your needs and lifestyle requirements. With ICICI Bank credit cards, you can get multiple benefits in your everyday spends, as well as travel and other spends.

Apply for our range of ICICI Credit Cards online in less than 2 minutes. Before doing so, you should check your eligibility in the 'ICICI Credit Card Eligibility’ section and compare the range of ICICI Credit cards.

Name of the Card	Fees	Joining Benefits	Rewards and Benefits
ICICI Bank Platinum Chip Credit Card	Joining Fee: Life Time Free	-	Earn 2 PayBack points for every Rs. 100 spent. Points can be redeemed for exciting gifts and vouchers Earn 2 PAYBACK points on every ₹ 100 spent for all retail purchases except fuel Save a minimum of 15% on dining bills at over 800 participating restaurants spread across 12 major cities
ICICI Sapphiro Credit Card	Joining Fee: Rs. 6,500 + GST Annual Fees: Rs. 3,500 + GST(Annual fee reversed on spends of Rs. 5,00,000 )	Complimentary all new Kindle on joining. and get welcome vouchers of shopping and travel worth ₹ 10,000 within 30 days of payment of the joining fee	Buy one, Get one movie ticket free at BookMyShow Earn up to 20,000 additional PAYBACK points every anniversary year Earn 2X rewards on International spends Complimentary international lounge visits and domestic airport Spa access with DragonPass lounge program Unlimited complimentary lounge access under American express lounge program Enjoy 4 complimentary airport lounge access per quarter on Mastercard lounge Get 3 PAYBACK points on every Rs. 100 spent on multiple categories Minimum 15% savings on dining bills 1% fuels surcharge waived off on fuel transactions
ICICI Rubyx Credit Card	Joining Fee: Rs. 3,000 + GST Annual fees : Rs 2000 + GST ( waived off on annual spends of Rs. 3,00,000 or more)	welcome vouchers of shopping and travel worth Rs 5000 within 30 days of payment of joining fees. and get complimentary Sennheiser HD 221 headphones on joining.	Two complimentary movie tickets every month under Buy One Get One offer from BookMyShow.com Earn upto Rs. 15,000 PayBack points every year 2 complimentary domestic railway lounge visits per quarter Earn 2X reward points on all international transactions on your card 2 complimentary round of golf every time on spends of Rs. 50,000 or more Get 2 complimentary lounge visits per quarter on MasterCard and 10 per calendar year Enjoy 1% fuel surcharge waived off on fuel transactions at any fuel outlet Save minimum 15% at over 2500+ restaurants in 11 cities
ICICI Coral Credit Card	Joining Fee: Rs. 500 + GST Annual Fees: Rs. 500 + GST(Annual fee waiver on annual spends of Rs. 1,50,000.)	Complimentary tie from Provogue on joining	Earn up to 10,000 PAYBACK points every anniversary year on multiple spends Get one complimentary domestic airport lounge and one domestic lounge visits per quarter Get 2 complimentary movie tickets every month under the Buy One Get One free offer through www.bookmyshow.com Minimum 15% savings on dining bills at over 2500+ restaurants across India through Culinary Treat Programme Annual fee waiver on annual spends of Rs. 1,50,000
Jet Airways ICICI Bank Coral Credit Card	Joining Fee: Rs. 1250 + GST^* Annual Fees: Rs. 1250 + GST	2,500 Welcome Bonus JPMiles on joining	* High Flyer Offer: Jan 1st to March 31st. Joining fee now @50%: ₹ 600, Welcome Bonus : 2,500 JPMiles, Additional Bonus: 500 JPMiles Earn 3,000 Welcome Bonus JPMiles on joining Earn up to 6 JPMiles/ 100 spent on www.jetairways.com 1,250 bonus JPMiles every year on renewal each year Minimum 15% savings on dining at over 2,500 restaurants Two complimentary movie tickets every month under Buy One Get One offer from BookMyShow.com
Jet Airways ICICI Bank Rubyx Credit Card	Joining Fee: Rs. 2,500 + GST^* Annual Fees: Rs. 2,500 + GST	Welcome benefit: 5,000 JPMiles + Complimentary Jet Airways Ticket code	* High Flyer Offer: Jan 1st to March 31st. Joining fee now @50%: ₹ 1,250, Welcome Bonus : 5,000 JPMiles, Additional Bonus: 1,250 JPMiles Get 6,250 JPMiles + Complimentary Jet Airways Ticket Code as Welcome benfit Earn up to 8 JPMiles/ 100 spent on www.jetairways.com 5% discount on base fare for bookings made on www.jetairways.com Renewal benefit: 2,500 JPMiles + Complimentary Jet Airways Ticket code Earn more than 14 JP miles/Rs 100 spent on jetairways.com (both domestic and international) Redeem JPMiles for complimentary flights across Jet Airways and its 25+ Airline partners Get up to 10 complimentary lounge access privileges at airports in India
Jet Airways ICICI Bank Sapphiro Credit Card	Joining Fee: Rs. 5,000 + GST^* Annual Fees: Rs. 5,000 + GST	10,000 JPMiles + Complimentary Jet Airways Ticket code	* High Flyer Offer: Jan 1st to March 31st. Joining fee now @50%: ₹ 2,500, Welcome Bonus : 10,000 JPMiles, Additional Bonus: 2,500 JPMiles Get 12,500 JPMiles + Complimentary Jet Airways Ticket Code as Welcome benfit Earn up to 10 JPMiles/ 100 spent on www.jetairways.com Renewal benefit: 10,000 JPMiles + Complimentary Jet Airways Ticket code 5% discount on base fare for bookings made on www.jetairways.com Redeem JPMiles for complimentary flights across Jet Airways and its 25+ Airline partners Complimentary Priority Pass for over 600 VIP lounges across the world. Access to AMEX and VISA lounges at airports in India 1% fuel surcharge waived off on fuel transactions at any fuel outlet
ICICI Ferrari Platinum Credit Card	Joining Fee: Rs. 499 + GST/ Annual Fees: Rs 499 + GST (Annual fee waiver on spends of Rs. 1,25,000)	-	Discounts on Ferrari merchandise at the Online Ferrari Store 2 complimentary domestic Airport Lounge visit per quarter 15% savings on dining bills at over 800 restaurants across India 1% Fuel surcharge waiver Two complimentary movie tickets every month under Buy One Get One offer from BookMyShow.com Annual fee waiver on spends of Rs. 1,25,000 in the year
ICICI Ferrari Signature Credit Card	Joining Fee: Rs. 3,999 + GST Annual Fees: Rs. 999 + GST (Annual fee waiver on spends of Rs. 2,50,000 in the year)	Complimentary Scuderia Ferrari watch on joining	Up to 15% discount on Ferrari merchandise at Ferrari Online Store Complimentary Access to domestic airport lounges in India 15% savings on dining bills at over 800 restaurants across India 1% Fuel surcharge waiver Two complimentary movie tickets every month under Buy One Get One offer from BookMyShow.com Annual fee waiver on spends of Rs. 2,50,000 in the year
MakeMyTrip ICICI Signature Credit Card	Joining Fee: Rs. 2,500 Annual Fees: Nil	* Welcome benefits of Rs.1,500 My Cash * Lemon Tree Hotels voucher worth Rs 2,500 *Complimentary MMTDOUBLEBLACK membership worth Rs 1,499	* Get free flight and hotel cancellations with MMTDOUBLEBLACK# * Earn up to Rs 4 My Cash* on Rs 200 spent on the card * Earn milestone rewards with ICICI Bank and MMTBLACK * Complimentary 10-day Airtel international roaming pack worth up to Rs 3,999 * Complimentary domestic airport and railway lounge access * BookMyShow Buy 1 Get 1 free offer on first come, first-serve basis
MakeMyTrip ICICI Platinum Credit Card	Joining Fee: Rs.500 Annual Fees: Nil	Welcome benefits of Rs.500 My Cash , Lemon Tree Hotels voucher worth Rs 2,000	* Earn up to Rs 3 My Cash* on Rs 200 spent on the card * Earn milestone rewards with ICICI Bank * Complimentary domestic airport and railway lounge access * BookMyShow Buy 1 Get 1 free offer on first come, first-serve basis * 1% fuel surcharge waived off on fuel transactions at HPCL fuel outlets * Save a minimum of 15% on your dining bill with ICICI Bank Culinary Treats Programme
ICICI MANCHESTER UNITED PLATINUM	Joining Fee: Rs.499 + GST Annual Fees: Rs.499 + GST (Annual fee waiver on spends of Rs.1,25,000 in the previous year)	A welcome gift of Manchester United branded football on activation	* Manchester United T-shirt would be provided to top 70 spenders every month * 2 reward points each on domestic and international transactions * 3 reward points on spend made on match days of Manchester United * Get 2 complimentary movie tickets every month at BookMyShow as part of Buy One, Get One offer * Enjoy 15% savings on dining at more than 2,500 restaurants across India via Culinary Treats Program * Save on your fuel spends with 1% surcharge waiver on refilling the vehicle
ICICI MANCHESTER UNITED SIGNATURE	Joining Fee: Rs.2,499 + GST Annual Fees: Rs.2,499 + GST	Get a welcome gift of Manchester United branded football and holdall	* Get the opportunity to attend a league match of Manchester United at Old Trafford, the UK * Enjoy your private tour of the Manchester United stadium and museum * Enjoy your trip to the Manchester United Megastore at the stadium * Top 70 spenders to be given Manchester United branded t-shirt every month * The top spender, though, would also get a signed jersey of Manchester United and match ticket * Enjoy a discount of 10% on buying the merchandise from Manchester United online store

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Frequently Asked Questions

General Questions

Q. What is a Credit Card?

A. A Credit Card is a plastic card issued by a financial institution which offers a line of credit to the customer to purchase goods/services. This line of credit comes with a limit which allows a customer to consume up to a specific amount, set by the financial institution which has offered the card.

Q. How is a Credit Card different from a Debit Card?

A. A Debit Card allows you to withdraw money which has already been deposited in you Bank. Hence, the money that is being used is deducted from your Bank account. However, a Credit Card is a form of Credit which is not related to your Personal bank accounts.

Q. What are the features of a Credit Card?

A. The features of a Credit Card are:

Credit Cards have universal acceptability.
For using a Credit Card, a customer has to pay a fixed sum as annual fees. However, financial
Institutions generally waive off the charges if the customer meet a certain criteria in terms of his expenditure behaviour.
Credit Cards also come with a Balance Transfer option, allowing the customer to transfer its balance to another card and avail the benefits of cheaper interest rates.
Customers can settle the balance with Monthly EMIs.
Credit Cards come with a 24/7 service, unlike other card forms.
Customers can easily pay off their utility bills using Credit Cards.

Q. What are the benefits of using a Credit Card?

A. Using a Credit Card comes with a lot of benefits:

Ease in payments while shopping, dining, travelling and settling bills.
Timely repayments on Credit Cards help in improving your Credit Score.
Access to premium services offered by the financial institution which issued the card.
Amazing discounts and cashbacks upon the purchases made using the card.
Access to more funds in times of immediate need
Expenditure tracking and monitoring using the modules offered.

Q. What is EMI? How is it calculated?

A. An equated monthly instalment (EMI) is the amount of money that is paid back to the lender on a monthly basis. It is essentially made up of two parts, the principal amount and the interest on the principal amount equally divided across each month in pre-decided tenure. The EMI is always paid up to the bank or lender on a fixed date each month until the total amount due is paid up during the tenure.

Q. Why will my Credit Card application be rejected?

A. If you have a bad Credit Score, have defaulted on repayments or don’t meet the basic criteria, you are likely to get rejected. If you do not meet the bank’s eligibility, you are likely to get rejected as well.

Credit Card Eligibility Questions

Q. What is the eligibility criteria for Credit Cards?

A. Anyone - whether self-employed or salaried professionals — with a regular source of income can apply for a Credit Card. One must be 21 years old at the time of applying. One must also have a good credit history to be eligible for a Credit Card. If you are interested in checking your credit history and learning about your credit worthiness before applying for a Credit Card, click here.

Q. What are the documents required for applying for a Credit Card?

A. Financial Institutions generally request for the following documents as identity and address proof. of Credit which is not related to your Personal bank accounts.

PAN Card
Passport
Driving License/Voter ID
Aadhar Card
Ration Card

Application Process and Fee Questions

Q. What are the other charges included in the Credit Cards process?

A. IndiaLends does not charge its customers any fees for applying for Credit Cards on its platform. However, financial institutions can charge the following fees along with interest payments:

Add on Card Fee - The fee charged for applying for another card which shall have all the features of your primary Credit Card.
Extended Credit Charges - It is a fee charged by financial institutions for extending the customer’s credit limit.
Cash Withdrawal Charges – The charges paid by the customer to the financial institution for withdrawal of money.

Q. What are the modes available for Credit Card bill payments?

A. Net Banking, NEFT/RTGS Transfers, Debit Cards, Visa Money Transfer, Cash, Cheques, Demand Drafts are some of the ways of making Credit Card Bill Payments.

Q. What factors should I consider while taking a Card?

A. You need to consider the following factors when you take a Credit Card:

Purpose of the Credit Card
Expense behaviour to select the best Reward Scheme
Number of Credit Cards you’re currently holding. Ideally, a customer should hold not more than 3 Credit Cards
Any active loan/heavy EMI payment
Interest Rate on the card
Customer Service

IndiaLends - Specific Questions

Q. Will I be charged by IndiaLends for services offered?

A. No. The services offered by IndiaLends are completely free of charge.

Q. After I submit my application to IndiaLends, what next?

A. Once you fill-up our application form, your application will be matched with the best financial institution based on your credit profile, and will be securely sent to them. You will soon be contacted by the lender directly for disbursal.

Q. How do I apply for a Credit Card with IndiaLends?

A. You can fill-up our short application form and get a status update within minutes of applying.

Q. Can I deactivate my Credit Card?

A. Yes, Once you have decided to close your credit card, the first thing you need to do is to contact your card issuing bank and tell them regarding your card cancellation request. They will ask the reason behind your cancellation request to further guide you through the whole credit card cancellation procedure. According to the norms, you will have to send a written communication via email to your concerned bank so that they can verify and cross check the authenticity of the request. Do keep in mind, your cancellation request will only be accepted once your card holds no dues.