How to Apply for ICICI Credit Card Online
To apply for an ICICI Bank credit card online via MybankingTips, follow these steps:
- Visit MybankingTips ICICI Credit Card Section.
- Select Your Ideal Credit Card.
- Click on the ‘
Apply Now’ tab.
- Fill in the required details to find out if you are eligible to apply for the card.
- Once you have entered all the necessary information, click on ‘Submit’.
- After you have successfully provided all the required information, you will receive a message
with your application ID.
By following these steps, you can easily apply
for an ICICI Bank Credit Card online through MybankingTips.
Online Apply Through The Bank’s Website
- Step 1: Visit the official website to apply for a credit card.
- Step 2: Select "Apply now."
- Step 3: Fill out the form and select "Receive offers."
- Step 4: A list of credit cards will be displayed to you.
- Step 5: Select a credit card by clicking the "Apply Now" button.
- Step 6: Select 'Confirm.'
You will receive a call from an ICICI Bank representative who will help you finish the process.
Apply for a Credit Card & Get Instant Approval
Eligibility Criteria to Apply for ICICI Credit Cards
Credit cardholders with good credit (ideally above 750) can apply for credit cards from ICICI Bank. You can,
however, still apply for some of the cards if you don't have any credit history.The following list contains
the fundamental requirements for eligibility to ICICI Bank credit cards:
- Nationality: Applicants should be a citizen of India.
- Income: The bank will assess your eligibility based on your yearly income.
-
Age: For an individual to be eligible for an ICICI credit card, they must be between the ages of 18 and 60.
- Credit score: A CIBIL score of at least 750 is required.
- Occupation: Credit cards from ICICI Bank are available to both self-employed and salaried workers.
Required Documents to Apply for ICICI Credit Card
Applicants are required to submit proof of identity, proof of address, and proof of income along with a
duly filled application form. The approved documents for each category are included in the list below.
ICICI Credit Card: Fees and Charges
Here are some fees and charges that apply to
all ICICI Bank credit cards, listed in the table below:
Consider a card's annual fee, joining fee, and best use while reviewing it.
Features and Benefits of ICICI Bank Credit Cards
ICICI Bank Credit Cards offer the following main features and benefits:
Lifestyle benefits
Get deals on restaurants, shopping, movies, and other things.
Travel benefits
Save money on fuel purchases, receive discounts on fuel purchases, and enjoy free access to airport lounges.
Rewards benefits
Take advantage of ICICI Bank Rewards programs, cash rewards, 24*7 concierge services, and much more.
Welcome Benefits
You receive welcome bonuses when you open an ICICI Bank credit card account. These perks can include gift cards,
expedited cashback, premium subscriptions to specific platforms at no cost, additional Reward Points, and more.
Following the payment of the joining fee (if applicable), you typically receive welcome gifts.
EMIs on your card
Purchase now and pay with simple EMI on your card later. Take advantage of simple payment options for your
purchases to improve your shopping experience.
Loan on Credit Card
With loans up to Rs 20 lakh and low interest rates between 14.99% and 15.99%, you can get quick cash with
icici bank personal loans on credit cards.
No joining fee or additional annual fees on select cards
Sign up right now to avoid paying a joining or annual charge. With us, take advantage of special offers
and save more.
Other Benefits
You can also receive free cinema tickets, special dining discounts, free insurance, exemptions of fuel
surcharges, and many other benefits by using your ICICI bank card.
Features of the Major ICICI Bank Credit Cards
ICICI Bank Rubyx Credit Card
One of ICICI Bank's most well-liked credit cards in the lifestyle category is the mid-level Rubyx credit card.
The Rubyx card has an annual fee of Rs. 3,000 and is available in two variants: American Express and MasterCard.
With this credit card, you may enjoy a respectable reward rate in addition to other benefits like free domestic
airport lounge access, free rounds of golf, and discounted cinema tickets.
Amazon Pay ICICI Bank Credit Card
When the Amazon Pay ICICI Bank Credit Card was introduced in October 2018 in collaboration with Amazon India
and Visa, it quickly moved to the top of the list of the nation's most well-liked credit cards for online purchases.
Those who shop online, especially those who enjoy Amazon, can take advantage of the card's high reward rate. If you
are an Amazon Prime subscriber, the offer stands out then. When you use this credit card, instead of other ICICI
bank credit cards, you receive Reward Points. These Reward Points can be used at any online or offline retailer
that supports Amazon Pay as a payment method. At the end of each month, the rewards are deposited to your Amazon
Pay account.
ICICI Bank Emeralde Credit Card
ICICI Bank's premium credit card is called the Emeralde. There are two versions of the card available: the
MasterCard and the American Express versions. With this credit card, ICICI caters to High Net Worth Individuals
(HNIs) by providing best-in-class benefits like unlimited access to domestic and international lounges, a lower
interest rate and forex markup, air accident insurance worth Rs. 3 crore, and numerous other advantages that one
would anticipate from a premium credit card. The Infinia credit card from HDFC is a direct rival of the Emeralde
card. This credit card stands out from the majority of other cards on the market due to its special feature of
allowing you to choose between a monthly and annual membership plan.
ICICI Bank Coral Credit Card
With an annual charge of just Rs. 500, the bank's entry-level lifestyle credit card is called the Coral credit
card. Despite the relatively low reward rate, you receive all the usual perks of an entry-level credit card, such
as free domestic airport and train lounge access, savings on movies and restaurants, and the waiver of fuel
surcharges.
ICICI Bank Sapphiro Credit Card
The ICICI Sapphiro credit card, which is the second most expensive credit card is available in two versions:
a MasterCard and an AmEx version. In contrast to the Emeralde card, the Sapphiro credit card has a regular
interest rate of 3.4% p.m. and a 3.5% forex mark-up fee. However, because it's a premium credit card, you do
get premium benefits like free golf rounds, access to domestic and international lounges (limited), free air
travel insurance, round-the-clock concierge service, and a respectable reward program.
ICICI Mine Credit Card
This credit card offers cashback. This card is special since it has three monthly membership options: a free
plan, a plan for Rs. 49, and a plan for Rs. 149. It is marketed by the bank as the first customer-focused
Flexi-plan credit card in the nation. The Rs. 49 and Rs. 149 plans provide you 5% cash back on purchases made
at specific well-known retailers, while the free plan gives you 1% cashback on all transactions. You also get
a few more benefits with the paid versions, such as free access to airport lounges, quick savings at some stores,
a greater monthly cashback cap, etc.
MakeMyTrip ICICI Bank Signature Credit Card
The bank is offering a co-branded credit card in association with MakeMyTrip. You will earn reward points,
like My Cash, which you can use on MakeMyTrip to pay for hotel stays, plane tickets, and other travel-related
costs. You also get additional benefits because it's a travel credit card, such as free domestic and international
lounge visits and a free 10-day Airtel worldwide roaming pack valued at Rs. 3,999.
ICICI Bank HPCL Coral Credit Card
This is an additional low-cost fuel credit card available for just Rs. 199 per year. In addition to
receiving a 2.5% discount (minus the 1% surcharge waiver) on fuel purchases at HPCL filling stations nationwide,
you also receive 2 Reward Points on all card purchases.
ICICI Bank HPCL Super Saver Credit Card
This credit card is the most recent offering from ICICI Bank and Hindustan Petroleum Corporation Limited (HPCL).
This credit card is special because, although being a fuel credit card, it also gives you faster reward points on
purchases for groceries and utilities, among other categories. This credit card is intended for beginners and has
a low annual membership cost of just Rs. 500. In addition to reward points, this card comes with a few extra perks
that most other entry-level credit cards don't, such free (limited) domestic lounge access, roadside assistance,
and movie and dining bonuses.
InterMiles ICICI Bank Sapphiro Credit Card
The ICICI bank offers a premium travel credit card called the InterMiles Sapphiro credit card. All purchases
made with the card earn you InterMiles reward points, and using the InterMiles platform to book tickets for
Etihad Airways in particular accelerates your accrual of reward points. The card comes with a plethora of
additional benefits in addition to InterMiles, such as free access to local and international airport lounges,
discounts on eating and movies, golf privileges, etc. The card is backed by American Express, and it has an annual
fee of Rs. 5,000.
ICICI Bank Manchester United Signature Credit Card
With the ICICI Bank Manchester United Signature Credit Card, you can receive a complimentary football and holdall
with the Manchester United logo. When you reserve in advance, you will receive a 20% discount for the Manchester
United museum and tour. Get 10% off at Red Cafe, Manchester's Old Trafford. Receive a 10% discount at the stadium
on all Manchester United Megastore purchases. Get 10% off at United Direct, the Manchester United megastore online.
Get two complimentary passes per quarter to domestic airport lounges. Under the Culinary Treats Programme, you
may save 15% on your eating expenses at over 2,500 restaurants throughout India.
ICICI Bank Platinum Chip Credit Card
Gift cards and other items can be purchased with ICICI Bank Platinum Chip Credit Card Reward Points. No fuel
surcharge applies. You can make payments contactlessly.
Apply for a Credit Card & Get Instant Approval
How To Activate ICICI Bank Credit Cards?
Customers of ICICI Bank have multiple options for activating their credit cards. Use any of the following
online or offline methods to activate your ICICI Bank credit card after you receive it:
- Through an ICICI Bank ATM, you can also activate your ICICI Bank credit card. To activate your credit card
using OTP, simply visit the ATM that is closest to you and select the appropriate option from the main menu.
- Go into your net banking account to activate your ICICI Bank credit card. By selecting the 'Generate Credit
Card PIN Online' option available under the 'Credit Cards' menu, you may quickly activate your card.
- Reaching out to the ICICI Bank credit card customer service team and requesting assistance from bank
representatives to activate your credit card is an additional simple method to do so.
- You can easily visit your nearest ICICI bank branch and ask the bank employees to help you activate your
credit card.
Factors Affecting ICICI Bank Credit Card Eligibility Criteria
When applying for an ICICI Bank credit card, the applicant needs to make sure they have checked all of the following.
- Nationality Criteria of the Applicant: The candidate must be an Indian citizen or a non-resident Indian.
- Income of the Applicant: While applying for a credit card, your salary is an important factor. The bank will be able to see this as evidence that you can afford to settle the debt on your credit cards. A fixed deposit can also be used as evidence for an ICICI Bank credit card.
- Credit History of the Applicant: Credit history is clear evidence of how well a person handles their credit-related actions. The lender will give preference to those with a clean credit history when issuing
credit cards.
- Age of the Applicant: It becomes quite responsible to use a credit card. A person gets a reliable source of income after a specific number of years. As a result, the banks have strict age requirements when granting credit cards since they depend on receiving payments on time each month.
ICICI Credit Cards Login/Net Banking
To log into your ICICI Bank credit card account, use the instructions below.
- Step 1: Visit the ICICI Bank website. Then select LOGIN, which is next to Personal Banking.
- Step 2: Give the password and user ID.
- Step 3: The consumer must choose "MY accounts" and then "Credits cards" after logging in.
- Step 4: Clients may now view all of the card's details as well as their service alternatives.
ICICI Bank Credit Card Bill Payment
The following options are available to you for paying your credit card bills from ICICI Bank.
Cash payment: Any of the closest ICICI Bank branches will accept cash payments for credit card bills.
When you pay your credit card bill, the bank will charge you a processing fee for each payment.
Cheque payment: You can use cheques in the same manner as cash to pay your credit card bills if that
is your preferred method of payment. Additionally, you can deposit checks with your credit card number and other
necessary information in the drop boxes found at bank ATMs. Three business days will pass before the payment is
cleared.
NEFT: Using the NEFT feature, you can pay your credit card bill from any other bank account. To make a
payment through NEFT, you usually have to include your credit card number as the payee account number. The
instructions may fluctuate somewhat depending on the bank. Weekday payments made during business hours are
credited the same day, while payments made outside of business hours are credited the following business day.
Bill Desk: To pay your credit card bills, you can visit the ICICI Bank Bill Desk website. Enter the
necessary information, making sure to include the credit card number and the amount of the payment. After that,
the clients are sent to the ICICI Bank online banking page to finish paying their credit card bills. After a
transaction is successful, the customers will receive a Transaction Reference Number and an online transaction
confirmation.
How to Redeem ICICI Bank Credit Card Reward Points
By connecting your credit card to your bank account through net banking, you can use your ICICI Bank Credit
Card Reward Points. You will next need to access your account, look through the reward catalog, and select the
gift that you want. Your gift will be shipped to the address you registered with after it has been confirmed.
You can also use email or chat with a customer service representative to redeem your reward points if you
would rather not link your credit card to your bank account.
When is the ICICI Credit Card Interest Rate Charged
The bank charges interest when you fail to make timely payments or pay off your outstanding balance.
ICICI Bank charges different interest rates based on the type of credit card. The credit cards offered by
the bank are mentioned above, together with their annual and monthly percentage rates of interest.
Interest rates on credit cards apply in the following situations:
- The entire amount due on your credit card is not paid off.
- You go to an ATM and take out cash using your credit card.
- A part of your credit card due is paid off.
ICICI Bank Interest-Free Period
All credit cards from ICICI Bank come with a grace period during which there is no interest charged on
transactions made with the cards. Therefore, the time period is referred to as an interest-free period.
The time between the transaction date and the payment due date is known as the credit card interest-free
period. That's why it differs with every credit card purchase you make.
An interest-free period of 15 to 45 days is usually offered by ICICI. There won't be any interest charged if
you pay within the allotted time, which is on or before the due date, provided you don't have any carryover balance
from earlier statements.
ICICI Credit Card Application Status
If you've applied for an ICICI Bank credit card and would want to know how your application is doing, you can
quickly check the status of your application by providing the necessary information on their site. For more
details on the same, get in touch with ICICI Credit Card Customer Service.
ICICI Credit Card Balance Transfer
Any ICICI Bank credit cardholder who wants to move their balance from another bank credit card to their ICICI
Bank credit card can do so through the ICICI Credit Card Bank Balance Transfer service.
- The interest payment to the other bank can be reduced.
- Up to Rs. 3 lakh can be sent as balance.
- Installments of three and six months are available for payment.
- No documentation has to be submitted.
- If your credit card expenditures, transaction patterns, and payment history with the bank are all in
order, you will be eligible for a debt transfer on your credit card. You need to have at least Rs. 15,000
left on your credit card from the other bank.
ICICI Bank Credit Card Customer Care
The following numbers can be used to reach ICICI Bank credit card customer service representatives 24X7.
- From landlines and mobile devices in India, you can make free calls to 1800 102 4242.
- You can also submit your credit card-related questions via letter to the zonal offices of ICICI Bank.
Apply for a Credit Card & Get Instant Approval
FAQs
Payments for your ICICI Credit Card can be made online as well as offline. You can use services like
debit cards, billdesk, ICICI Bank mobile app, net banking, and mobile banking to pay your bills online.
If you would prefer to pay your credit card bills offline, you can visit any nearby branch and make a
cash or cheque payment.
If the full amount due is not paid by the due date, the customer is responsible for paying interest.
In addition to the entire amount due, interest will be charged on any new transactions completed up to
this point, as the previous overdue amount must be paid in full.
It is possible to own multiple ICICI Bank credit cards. The capacity to maintain two or more credit
cards will be decided by the bank. A number of factors will affect this, including your credit utilization
ratio, credit score, credit report, and any payment delays.
ICICI Bank provides a variety of credit cards, including Platinum Credit Card, Sapphire Credit
Card, Rubyx Credit Card & Coral Credit Card.
The first thing to do is call ICICI Bank, the card issuer, at their customer service number and report
the loss of the card. The bank will automatically block and hotlist your card after learning of its loss
before starting the application procedure for a new credit card. You can also carry out the same task via
SMS if you are using a mobile device that is linked to your ICICI Bank account.
If you don't fit the bank's eligibility requirements, your application is denied by the bank.
Usually, you receive a message on your registered mobile number from the bank informing you of the
progress of your application at that moment. In addition, you can use your application number to check
the status of your application online. You can contact the bank's customer service number and ask about
the status of your application if you would want to check your status offline.
These credit cards from ICICI Bank are available for those who enjoy shopping:
- ICICI Bank Coral American Express Credit Card
- ICICI Amazon Pay Credit Card
- ICICI Bank Platinum Chip Credit Card
- ICICI Bank Amazon Pay Credit Card
- ICICI Bank Manchester United Platinum Credit Card
Every application for a new credit card is evaluated based on a number of factors, including the
applicant's income, credit score, history of loan repayment, credit history, number of previous bank
credit cards, amount of other debt, etc. Before reapplying, confirm that you fulfill the requirements for
most of the factors.
If a consumer makes a purchase that is greater than their credit limit, the ICICI bank will decide
whether or not to accept the transaction. 2.5% of the amount that exceeds the credit limit is charged
as an over-limit fee if the transaction is accepted.
There is no restriction on how many times you can adjust the credit card limit set by the bank.
It is possible for you to own multiple ICICI Bank credit cards. But the bank will decide whether
you can afford to carry two or more credit cards. This will be determined by your credit utilization
ratio, credit score, credit report, and any payment defaults of any kind.
Interest-free payments are made by customers who pay the whole amount owed before the payment
deadline. As a result, customers can benefit from interest-free periods from the time they buy a good
or service until the payment deadline. This typically takes between 18 and 48 days.
You can control how much you spend on credit cards with the help of this safety feature. Establish
a monthly spending cap on your primary or secondary card; any purchases made in excess of this amount
will be politely denied.