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ICICI Credit Card

Established in 1994 in Vadodra, ICICI Bank is the second-largest private sector bank in India, Talking about its credit card business, with over 1.34 crore active credit cards (as of November 2022), ICICI bank holds around 16% share in the credit card market. From travel and shopping to entertainment and dining cards, ICICI Bank has credit cards suitable for all spends categories in its portfolio. ICICI Bank has credit cards suiting everyone’s needs. With a lot of ICICI Bank Credit Cards present today , it might be difficult for you to choose a card that fits you the best. To help you out in choosing the right credit card, we are here with the list of all ICICI Bank Credit cards in India so that you can go through all of them, their feature & benefits, fees & charges, and apply for the one that seems to be best suited for you.



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How to apply for ICICI BANK Credit Card?

You can apply for a credit card, both online and offline. Post-COVID-19 pandemic, the credit card application process has been digitized, making it simpler and faster.

Apply for an online Credit card & Get instant online approval.

You can Compare & Apply for a Credit Card on dealstohdekho by Following 3 Simple Steps:

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Step 1

Inupt your Details

Enter you details on application link received on your text message and lest us know your detail and card requirement

lifetime free credit card

Step 2

Complete application

Complete your VKYC (Video Call Process),Sign the application digitally to get your card.

Step 3

Best offer for you

Basis your details we fetch best offer for you.

Documents & Eligibility For ICICI Credit Card


Documents Required For Credit Card

Self-Employed &  Salaried  seeking Credit Card  will have to furnish below mentioned documents to start the Credit card process.


For Salaried

  • Indian National
    Age: Min 21 years & Max 58 Years,
    Net Monthly Income> Rs 35,000

For Self Employed

  • Indian national
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹6 Lakhs per annum

Fees and Charges on the ICICI Credit Card

Fees & Charges


Joining & Renewal Fees

Varies for all ICICI credit card

Interest-free period

Up to 50 days

Cash Withdrawal Limit

30 % of the card limit

Reward Redemption Fee

Rs 99 on every redemption request

Finance Charges/Cash Advance Fee

3.67% of the amount

Over Limit Fee

2.50% of the amount( subject to minimum charges of 500)

foreign Currency Markup Fee

2.00% of the foreign currency amount

Fuel Surcharge Wavier

1% fuel surcharge waiver at all fuel stations

Late Payment Charges

For Amount

  • Less Than Rs 100- Nil
  • Rs 100 to to Rs 500 – Rs 100
  • Rs 501 to  Rs 5000- Rs 500
  • Rs 5001 to Rs 10000- Rs 750
  • Rs 10001 to Rs 25000- Rs 900
  • Rs 25001 to  Rs 50000- Rs  1000
  • Over Rs 50000- Rs 1200

Add On Card Fee


Payment Return Charges ( For Chq/Auto Pay)

Rs 350 Per instance

Key Highlights of the ICICI Credit Card

  • With a ICICI credit card, you can make large purchases up to the credit card's sanctioned limit even if you are out of funds

  • Contactless feature of the card allow you to make you payment quickly, confidently, and securely. Just tap your card to pay at retail outlets in seconds.

  • Get exclusive benefit on successfully achieving spend base conditions

  • Convert you Card transaction into small emi for amount above Rs 2500

  • Get Low foreign currency markup on overseas purchases on select ICICI Bank Credit Cards.

  • ICICI Bank Credit Cards offers complimentary insurance benefits up to 3cr , Get air accidental cover and emergency overseas hospitalization cover with your card.

  • ​​​​​​​Contact our 24-hour call Center to report your lost Credit Card. Get liability waivers on fraudulent transactions upon prompt reporting

  • Leverage revolving credit facilities at nominal interest rates on ICICI Bank Credit Cards

Benefit Of ICICI Credit Card

  • Welcome Benefit:  ICICI Bank offers welcome benefit on activation of card to the card inform of  voucher, complimentary membership of premium partners, bonus reward point, accelerated cashback gift voucher and much more.Card user can avail welcome benefit on successful payment of Joining fees.
  • Reward points & Cashback:   Every time  you use  ICICI credit card you get reward points or cashback or sometimes in the form of intermiles as well.Cardholder can redeem earn reward point against endless  option of their choice.
  • Milestone benefit: Cardholder can avail the milestone benefit on successfully achieving the spend base condition on card .Milestone benefits are similar like welcome benefits like complimentary membership, gift vouchers, reward points, air ticket and much more.  
  •  Travel benefit:  ICICI credit card, also offer travel benefit like complimentary airport lounges domestic and international ,complimentary air ticket, stay voucher of premium hotel and many more.
  •  Movie and Dining benefit: To With ICICI credit card ,cardholder can enjoy a lots of Movie and Dining benefit, like  complimentary discounts on movie ticket, membership of premium food chain,like Dineout passport, EazyDiner  prime membership etc
  •  Fuel Surcharge waiver benefit:  ICICI credit card you can get 1% fuel surcharge wavier across India. 

Core Features

Get the Best Benefit with ICICI credit Card

ICICI Bank has credit cards suiting everyone’s needs.You can compare and apply for ICICI credit card that best matches your spending preferences.

Frequently Asked Questions

  • If a credit card user makes the transaction that exceeds the available credit limit, it totally depends upon the bank whether to approve the transaction or not. Generally overlimit charges for the transaction is 2.50% of the amount which exceeds the credit limit is taken.

  • Yes, you can use your ICICI credit card to pay rent. However, with effect from October 20, 2022, all rent payment transactions with ICICI credit card will be charged with 1% fee.

  • You can make ICICI Credit Card payments through both online and offline modes,if you want to pay offline you can issue DD or chqs,or you can deposit the cash to your nearest branch,for online payment you can use net banking,mobile banking aur can make payment through debit card

  • Visit HDFC Bank’s official website, then go to the ‘Credit Cards’ section, scroll down to the ‘Important Links’ section, then you will be redirected to another page. Here, you can check HDFC credit card status online using a combination of any of these details: 1. Application reference number and mobile number 2. Application form number and mobile number 3. Date of birth and mobile number Enter the details and submit.…and the respective bank portal

  • Now you can get instant online approval in just few minutes,after approval done card delivery takes 3 to 7 working days.

  • There is no cap on the number of times the limit can be changed,it depends on the repayment history of your credit card

  • Mostly all the credit cards issued by all major bank are active for international transactions. If you are unable to use the card for international transactions, you may call Bank's Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number.

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