ICICI Bank is one of the top banks in India, which offers various credit cards through a simple application procedure. ICICI credit cards are offered under different categories, covering travel, entertainment, shopping and rewards. Whether you are beginning your credit card journey or are a regular customer with a good credit history, you can apply for these credit cards. Here, we share the details of popular credit cards offered by ICICI Bank.
See also: Lifetime free credit cards offered by top banks in India
Best ICICI Bank Credit Cards 2023
| ICICI Bank Credit Card | Features | Annual Fee | Suited for |
| Amazon Pay ICICI Credit Card | 5% cashback on Amazon spends for Amazon Prime members | Nil | Online shopping |
| MakeMyTrip ICICI Bank Signature Credit Card | Rs 1,500 My Cash, MakeMyTrip holiday voucher of Rs 2,500 and joining benefit of complimentary MMTBLACK Exclusive membership | Nil | Travel |
| ICICI Bank Emeralde Credit Card
|
Unlimited access to domestic and international airport lounges | Rs 12,000 | Lifestyle needs |
| ICICI Bank Sapphiro Credit Card
|
Multi-brand welcome vouchers worth Rs 9,000 on joining | Rs 3,500 | Travel and shopping |
| Emirates Skywards ICICI Rubyx Credit Card | 1.5 Skywards Miles for every Rs 100 spent | Rs 1,000 | Travel and shopping |
| HPCL Super Saver Credit Card | 5% cashback on HPCL fuel purchases, 5% reward points on select spends | Rs 500 | Fuel benefits |
| ICICI Coral Credit Card | 2 payback points on every Rs 100 spent | Rs 500 | Travel and shopping |
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Amazon Pay ICICI Credit Card
Amazon Pay ICICI Credit Card is offered by ICICI Bank in association with Amazon Pay (India). The card provides various benefits for online shopping and discounts on Amazon purchases. Only Amazon Prime members are eligible to get the maximum benefits through this credit card.
Features
- 5% cashback for prime members and 3% cashback for non-prime members on Amazon spends
- 2% cashback on payments made through Amazon Pay
- 1% cashback on other expenses
- Minimum 15% discount on dining bills at partner restaurants under ICICI Culinary Treats Program
- 1% fuel surcharge waiver for purchases at any petrol pump in India
Who can avail?
Amazon Pay ICICI Credit Card is a suitable option for those who regularly shop on Amazon. It is one of the best ICICI credit cards if you are looking for benefits on multiple brands.
MakeMyTrip ICICI Bank Signature Credit Card
MakeMyTrip ICICI Bank Signature Credit Card provides various benefits on travel and hotel bookings and access to select airport/railway lounges in India.
Features
- Joining benefits, such as MakeMyTrip holiday voucher of Rs 2,500; Rs 1,500 My Cash and MMTBLACK exclusive membership
- 4 My Cash per Rs 200 spent on hotel/holiday booking through MakeMyTrip
- 2 My Cash per Rs 200 spent on flight bookings through MakeMyTrip
- 25 My Cash per Rs 200 spent on domestic transactions outside MakeMyTrip
- 50 My Cash per Rs 200 spent on international transactions outside MakeMyTrip
- Complimentary DreamFolks Program membership with access to international airport lounge and domestic airport spa
- 1,000 My Cash each anniversary year on spends worth Rs 2.5 lakh and worth Rs 50,000 on flights/hotels/holiday bookings through MakeMyTrip online portal/mobile application
- Two free domestic lounge visits on spend worth Rs 5,000 and one railway lounge access every calendar quarter
- 25% waiver up to Rs 150 on booking a minimum of two tickets on BookMyShow or Inox
Who can avail?
This card is ideal for those who frequently travel and make bookings on MakeMyTrip. Customers can avail of domestic and international travel benefits through this credit card.
ICICI Bank Emeralde Credit Card
The Emeralde Credit Card issued by ICICI Bank is ideal for high net-worth individuals (HNIs) and those who wish to avail luxurious benefits and can pay a high annual fee.
Features
- ICICI reward points per Rs 100 spent – Four points on all retail spend, except fuel; one point on utility and insurance spends
- Up to Rs 750 off on the second ticket on booking a ticket through BookMyShow
- Up to four complimentary golf lessons/rounds on a minimum spend of Rs 50,000 per month
- Complimentary shopping voucher of Rs 5,000 on customer’s birthday
- DreamFolks membership with complimentary, unlimited access to domestic airport spa and international airport lounge access
- Unlimited complimentary access to select airport lounges in India
- Minimum mark-up fee of 1.5% on international transactions
Who can avail?
The credit card is suitable for those looking for travel and lifestyle benefits and is willing to pay a high annual fee. This credit card comes with the option of Rs 12,000 annual fee or Rs 1,000 monthly fee payment. The monthly fee is waived on annual spends of Rs one lakh and the annual fee is waived on spends of Rs 15 lakh.
ICICI Bank Sapphiro Credit Card
The Sapphiro Credit Card by ICICI Bank is ideal for domestic and international travellers and comes with premium benefits, such as gold privileges, DreamFolks membership, lounge access, etc.
Features
- Welcome vouchers for customers on shopping and travel worth over Rs 9,000
- ICICI reward points of up to 20,000 every anniversary year
- ICICI reward points per Rs 100 spent – Four points on international, two on domestic and one point on utility and insurance spends
- Complimentary DreamFolks Program membership with access to international airport lounge and domestic airport spa
- Four complimentary domestic airport lounge visits on a minimum quarterly spend of Rs 5,000
- Up to Rs 500 off on the second ticket on booking one movie/event ticket through BookMyShow
- Up to four complimentary rounds of golf per month based on eligible card spends
Who can avail?
The card is suited for frequent travellers and those who want to avail of travel-related benefits. It comes with a high annual fee of Rs. 3,500.
Emirates Skywards ICICI Rubyx Credit Card
This card is offered by ICICI Bank in partnership with Emirates Skywards. It comes with benefits, such as Skyward Miles on lifestyle, travel and everyday spends.
Features
- Up to 1.5 Skywards Miles on every Rs 100 spent
- One domestic lounge access per quarter on spends of at least Rs 5,000 in a calendar quarter
- 1% fuel surcharge waiver on HPCL fuel transactions
- 25% off of up to Rs 100 on the purchase of a minimum of two movie tickets through BookMyShow and Inox twice a month
- Exclusive dining offers under ICICI Bank Culinary Treats Programme
Who can avail?
This credit card is best suited for Emirates loyalists as the rewards can only be redeemed on the Emirates platform and can be used to make bookings. One gets a complimentary Emirates membership along with other benefits.
HPCL Super Saver Credit Card
ICICI Bank, in partnership with Hindustan Petroleum Corporation Limited (HPCL), offers the ICICI Bank HPCL Super Saver Credit Card, which provides cashback offers on fuel spending without any upper limit. However, there is no fuel surcharge waiver. Moreover, the card comes with various reward benefits on select categories of everyday spends, spend-based airport lounge access and movie discounts.
Features
- Welcome benefits of 2,000 reward points on card activation and Rs 100 cashback on the HP Pay app
- 5% cashback on grocery, departmental stores and utility bill spends
- 4% cashback on HPCL fuel spends and an additional 1.5% cashback as reward points on payment via the HP Pay app
- Two reward points per Rs 100 spent on retail purchases, expect fuel
- 25% off up to Rs 100 twice a month on BookMyShow and INOX on a minimum booking of two tickets
- One complimentary domestic airport lounge access on quarterly spends of Rs 5,000
Who can avail?
It is best suited for those who purchase fuel at HPCL petrol pumps and are looking for good returns on everyday home expenses. The annual fee is low, which is waived on spending Rs 1.5 lakh per year.
ICICI Coral Credit Card
The Coral Credit Card offered by ICICI Bank allows customers to avail of numerous reward points on their transactions related to movie and travel vouchers, lifestyle products, electronics, etc.
Features
- Two payback points on every Rs 100 spent
- Special online offers on websites, such as Amazon, Tata Cliq, etc.
- Quarterly domestic railway lounge visit
- Quarterlyvisit to select airport lounges in India for a minimum spend of Rs 5,000 in a calendar quarter
- 25% discount of up to Rs 100 on buying two movie tickets in a single transaction through BookMyShow and Inox
Who can avail?
The ICICI Coral Credit Card is ideal for those looking for numerous reward points through spending on travel, shopping, etc. It comes with a milestone reward programme of a maximum of 10,000 payback points.
FAQs
Which is the most popular credit card of ICICI Bank?
Some of the most popular ICICI Bank Credit Cards include Amazon Pay ICICI Credit Card and MakeMyTrip ICICI Bank Signature Credit Card.
Which ICICI credit card is lifetime free?
The ICICI Bank Platinum Chip card is an excellent option as a lifetime free credit card as it does not have any joining or annual fee.
What is the credit limit on an ICICI credit card?
The credit limit on an ICICI credit card is determined based on the customer’s creditworthiness and income. Those with good credit scores are more likely to get higher credit limits.
Can you get an ICICI card instantly?
The bank may take three to seven working days to provide a credit card.
Is GST applicable on bills?
GST of 18% is charged on the amount paid to the service provider. GST is also charged on the bills paid, including fines paid to the service provider.
| Got any questions or point of view on our article? We would love to hear from you. Write to our Editor-in-Chief Jhumur Ghosh at jhumur.ghosh1@housing.com |
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