ICICI
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.
- Age: To apply the credit card age is required 21 year to 60 year last
- Income: Your income should be minimum 15000 per month
- Occupation: All salaried and self employed can apply for the credit card
- Credit Score: Cibil score allowed for the credit card is 700, good cibil score enhance the chance of approval
- Valid Documents: applicant should have all valid document like income and residence address proof,also should be indian local resident
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Choose Your Credit Card
6E Rewards XL IndiGo HDFC Bank Credit Card
Best suited for: Rewards
Income Eligibility:- ₹50,000/-month
Joining Fees:- ₹500/-
Annual Fees:- ₹500/-
(Waived off on spending Rs. 50,000 in a year)
HDFC Millennia Credit Card
Best suited for: Cashback & Online Shopping
Income Eligibility:- ₹35,000/-month
Joining Fees:- ₹1000/-
Annual Fees:- ₹1000/-
(Waived off on spending Rs. 1 lakh in a previous year)
HDFC Moneyback Credit Card
Best suited for: Shopping
Income Eligibility:- ₹25,000/-month
Joining Fees:- ₹500/-
Annual Fees:- ₹500/-
(Waived off on spending Rs. 50,000 in a year)
InterMiles HDFC Bank Signature Credit Card
Best suited for: Travel
Income Eligibility:- ₹50,000/-month
Joining Fees:- ₹500/-
Annual Fees:- ₹500/-
(Waived off on spending Rs. 50,000 in a year)
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:
Get your Credit Card in Just few simple step
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
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
Documents Required For Credit Card
Self-Employed & Salaried seeking Credit Card will have to furnish below mentioned documents to start the Credit card process.
Photo id: Pan Card, Addhar card, Passport, Voter id, Job Card issued by Nerega
Valid address Proof- Addhar card, Passport, Voter id card, House Registry documents,Utility bill not more than 2 months old
Income proof: Last year Income Tax Return above 5 lac
Photo id: Pan Card, Addhar card, Passport, Voter id, Job Card issued by Nerega
Valid address Proof- Addhar card, Passport, Voter id card, House Registry documents,Utility bill not more than 2 months old
Income proof: Latest 2 month’s salary slip, latest form 16, and latest bank statement
Eligibility
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
- HDFC Bank Regalia Credit Card
- HDFC Bank MoneyBack Credit Card
- HDFC Bank Infinia Credit Card
- HDFC Bank Diners Club Black Credit Card
- HDFC Diners Club Privilege Credit Card
- HDFC Bank Millenia Credit Card
- 6E Rewards IndiGo HDFC Bank Credit Card
- 6E Rewards XL Indigo HDFC Bank Credit Card
- HDFC Shopper Stop Credit Card
- INDUSIND Aura Edge Credit Card
- INDUSIND Eazy Dinner Credit Card
- Yes Prosperity Edge Credit Card
- Yes Prosperity Reward Credit Card
- Yes Prosperity Reward Plus Credit Card
- Yes Wellness Credit Card
- Yes Wellness Plus Credit Card
- Yes First Preferred Credit Card
- AU Small Finance Bank Lit Credit Card
- AU Small Finance Bank Altura Credit Card
- AU Small Finance Bank Altura Plus Credit Card
- AU Small Finance Bank Veeta Credit Card
- ICICI BANK Coral Credit Card
- ICICI BANK HPCL Super Saver Credit Card
- ICICI BANK Make My Trip Credit Card
- ICICI BANK Emarlde Credit Card
- SBI Cash Back Credit Card
- SBI BPCL Octane Credit Card
- SBI PLUSE Credit Card
- SBI Simply Click Credit Card
- SBI Simply Save Credit Card
Fees and Charges on the ICICI Credit Card
Fees & Charges
Amount/Rate
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
Nil
Payment Return Charges ( For Chq/Auto Pay)
Rs 350 Per instance
Key Highlights of the ICICI Credit Card
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Buy on Credit
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
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Contactless Payments
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.
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Welcome Benefits
Get exclusive benefit on successfully achieving spend base conditions
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Emi Facility
Convert you Card transaction into small emi for amount above Rs 2500
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Foreign Currency Markup
Get Low foreign currency markup on overseas purchases on select ICICI Bank Credit Cards.
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Insurance Benefits
ICICI Bank Credit Cards offers complimentary insurance benefits up to 3cr , Get air accidental cover and emergency overseas hospitalization cover with your card.
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Zero Lost Card Liability
Contact our 24-hour call Center to report your lost Credit Card. Get liability waivers on fraudulent transactions upon prompt reporting
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Revolving Credit Facility
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
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What happen if I overuse my icici credit card limit?
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.
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Can I use my ICICI Credit Card for rent payment?
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.
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How can I make my ICICI Credit Card payment?
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
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Can i check my credit card application status?
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
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How long does it take to get the card?
Now you can get instant online approval in just few minutes,after approval done card delivery takes 3 to 7 working days.
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How can I increase the limit on my ICICI credit card?
There is no cap on the number of times the limit can be changed,it depends on the repayment history of your credit card
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Can I use my credit card for international transactions?
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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