Apply For an ICICI Credit Card In 2024!

icici credit card

Forget the days of juggling cash and debit cards. In today’s digital age, a well-chosen credit card can be your powerful financial companion. ICICI Bank, a leading name in Indian finance, offers a diverse range of credit cards designed to transform your spending into a rewarding experience.  Whether you crave travel adventures, love retail therapy, or prioritize convenience, there’s an ICICI credit card waiting to unlock a world of benefits and rewards programs tailored to your lifestyle.

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choose CICI Credit card

What Benefits Does An ICICI Bank Credit Card Provide?

Beyond the convenience of cashless transactions, ICICI credit cards empower you with a plethora of features and benefits that enhance your financial well-being:

1. Rewarding Every Swipe: Earn exciting offers and discounts that ease your shopping expenses. ICICI Bank credit cards allow you to . accumulate reward points on every purchase, unlocking a world of redemption options.

2. Financial Flexibility: Enjoy the convenience of availing personal loans through your ICICI Bank credit card with instant approvals (subject to eligibility). Additionally, you can easily request and increase your credit limit to meet your evolving needs.

3. Peace of Mind: ICICI Bank offers a credit card protection plan to safeguard your cards from misuse in case of theft or loss.

4. Effortless Bill Payments: Simplify your life by paying your mobile, electricity, gas, and water bills directly through your ICICI Bank credit card online.

5. Flexible Payment Options: Take advantage of the EMI facility offered by the bank to conveniently spread your payments across manageable installments.

6. 24/7 Support: Enjoy peace of mind with ICICI Bank’s reliable customer support, available round the clock to address any queries.

7. Regular Promotions: Benefit from ongoing offers available on both ICICI Bank debit and credit cards.

8. Additional Benefits: Receive cash rewards, PAYBACK offers, and access to a 24×7 concierge service.

Also Read: Get Personal loan for CIBIL Defaulters Instantly

Eligibility Criteria For ICICI Credit Card:

  • Must be an Indian citizen.
  • At least 23 years old to apply (18 years old for add-on cardholders).
  • Must have a clean credit history.
  • The minimum annual income requirement varies depending on whether you are salaried or self-employed, as verified by the latest IT returns.

Required Documents For ICICI Credit Card:

  • Proof of Address (Ration Card, Passport, Voter ID, Aadhaar Card)
  • Identity Proof (Driving License, Passport, Aadhaar Card)
  • Income Proof (Form 16, IT Returns, Salary Slip)

How To Apply For ICICI Credit Card?

ICICI Bank offers a user-friendly online application process. Simply visit their website, browse their extensive range of cards, and click “Apply Now.” You can also visit any ICICI Bank branch for personalized assistance.

To give you a deeper understanding of what steps to take to apply for an ICICI credit card, here are the detailed steps:

Steps To Apply For ICICI Credit Card

Step 1: Visit the ICICI website.

Step 2: Enter your phone number, your PAN number, and your birthdate.

ICICI credit card

Step 3: Enter the OPT for verification of your phone numer.

Step 4: After validating your mobile number, please put in your Aadhar number; this will act as your KYC document.

ICICI credit card

Step 5: Once you have done this, you will be redirected to the various credit cards offered by ICICI.

Also Read: What is CIBIL Score and Why It Matters

Types Of Credit Cards Offered By ICICI:

1. MakeMyTrip ICICI Bank Platinum Credit Card

Annual Fee: Nil

Best For: Travel

2. MakeMyTrip ICICI Bank Signature Credit Card

Annual Fee: Nil

Best For: Travel

3. ICICI Bank Platinum Chip Credit Card

Annual Fee: Nil

ShopBest For: ping

4. ICICI Bank Coral Credit Card

Annual Fee: Rs.500 or Nil

Best For: Lifestyle

5. ICICI Bank Rubyx Credit Card

Annual Fee: Rs.2000 + GST

Best For: Lifestyle

6. ICICI Bank Sapphiro Credit Card

Annual Fee: Rs.3,500 + GST

Best For: Lifestyle

Also Read: Urgent Personal loan for CIBIL Defaulters – A Complete Guide

Which ICICI Credit Card Is Best For Me?

Looking for a credit card that fits your lifestyle? ICICI Bank offers a variety of cards, each with unique benefits. Here’s a quick breakdown to help you choose the right one:

ICICI Credit Card Comparison: 

1. For the Luxury Seeker: Emeralde Private Metal Credit Card

  • Luxury Escape: Enjoy a free hotel stay with an Epicure Plus membership and unwind at airport spas (worth celebrating!).
  • Reward Bonanza: Earn bonus points and travel vouchers just for swiping your card.

Annual Fee: ₹25,000+GST (high, but perks are plentiful)

2. For the Jetsetter: Emeralde Credit Card

  • Relax in Style: Access airport lounges around the world and unwind at domestic airport spas before your flight.
  • Entertainment Perks: Treat yourself and friends to movie and event tickets (up to 4 times a month!).
  • Tee Time: Enjoy complimentary golf games based on your monthly spending.

Annual Fee: ₹25,000+GST (matches the extensive benefits)

3. For the Savvy Traveler: Sapphiro Credit Card

  • Airport Access: Enjoy a limited number of complimentary airport lounge visits each year (domestic and international).
  • Movie Magic: Get discounts on movie tickets with BookMyShow (twice a month!).
  • Welcome Bonus: Enjoy vouchers worth ₹9,000+ just for signing up!

Annual Fee: ₹5,250+GST (reasonable for the travel and entertainment perks)

4. For the Movie Buff: Rubyx Credit Card & Coral Credit Card

  • Big Screen Savings: Get discounts on movie tickets at BookMyShow and Inox (twice a month for both cards).
  • Bonus Perks: Rubyx offers complimentary golf games and Coral provides fuel surcharge waivers at HPCL pumps (great for drivers!).
  • Welcome Bonus: Both cards offer welcome vouchers (higher with Rubyx).

Annual Fee: Rubyx – ₹3,250+GST, Coral – Free or ₹500+GST (choose based on your movie habit and if you drive a lot)

5. For the Manchester United Fanatic

  • Exclusive Gear: Get Manchester United merchandise with the Signature card (Football & Holdall) or just the Football with the Platinum card.
  • Reward Points & Discounts: Earn more points and get movie ticket discounts with the Signature card.
  • Airport Lounges: Both cards offer limited complimentary airport lounge access.

Annual Fee: Platinum – Free, Signature – ₹4,748+GST (consider how much being a fan is worth to you)

6. For the Value-Conscious Spender: Platinum Credit Card

  • No Hidden Fees: No joining or annual fees to worry about!
  • Reward Points: Earn points on most purchases (except fuel).
  • Fuel Savings: Save on fuel surcharge at HPCL pumps.

Annual Fee: Free (perfect for everyday spending)

Remember, these are just highlights! If you are still confused about which ICICI credit card is best for you, you can compare it. 

Compare  ICICI Credit Cards

ICICI Bank makes comparing credit cards a breeze. Here’s how:

Step 1: Go to the ICICI website.

ICICI Credit card

Step 2: Pick Your Contenders: Simply click on the cards you’re interested in (look for “Add to Compare”).

ICICI Credit card

Step 3: Head-to-Head Showdown: Once you’ve chosen two cards, click “Compare” to see them side-by-side.

Step 4: Unveiling the Winner: The comparison table will showcase all the key features of each card, making it easy to pick the one that best suits your needs.

No need to click through endless options! This streamlined approach lets you focus on the cards that matter most, helping you find your perfect credit card match.

With a multitude of features, benefits, and a seamless application process, ICICI credit cards are designed to empower your financial journey. Explore their offerings today and discover the perfect card to unlock a world of rewards and convenience.


1. What is the Validity Period of A Credit Card?

A credit card typically remains valid for four years from the date of issue. ICICI Bank automatically renews the credit card and mails it to your registered address 10 days before the card’s expiry date. The expiry date is prominently displayed on the front of the card.

2. What is a Chip and PIN Credit Card?

A Chip and PIN credit card from ICICI Bank features an embedded microchip that enhances security, making the card harder to counterfeit or duplicate. It also incorporates an added layer of protection through a Personal Identification Number (PIN), which must be entered on a terminal during transactions at merchant outlets.

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