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ICICI Bank Credit Card

Apply online for ICICI Bank Credit Card: Check your ICICI Bank Credit Card Eligibility ✓ Offers ✓ Fee charges ✓ Reward Points ✓ Apply Online instantly at IndiaLends.

How it Works



Apply for a Credit Card online by filling an easy application form.


Select a Credit Card

Choose a Credit Card which best suits your needs and lifestyle.


Get Approved

Receive approval on your ICICI Bank Credit Card.

Basic Eligibility Criteria

Good Credit Score

Above 23 Years of Age

Self-Employed or Salaried Professional

Resident of India

Valid Bank Account

Aadhar Card , Voter ID / Driving License and PAN Card

Bank Statements for The Last Three Months

Salary Slips for The Last Three Months

Comparison Table for ICICI Bank Credit Card

IndiaLends offers a wide range of ICICI Bank credit cards online with various benefits and rewards. With each card, you get exclusive privileges and unique membership benefits which are designed to fulfil all your needs and lifestyle requirements. With ICICI Bank credit cards, you can get multiple benefits in your everyday spends, as well as travel and other spends.

Apply for our range of ICICI Credit Cards online in less than 2 minutes. Before doing so, you should check your eligibility in the 'ICICI Credit Card Eligibility’ section and compare the range of ICICI Credit cards.

Name of the Card Fees Joining Benefits Rewards and Benefits
ICICI Bank Platinum Chip Credit Card

Joining Fee: Life Time Free

  • Earn 2 PayBack points for every Rs. 100 spent. Points can be redeemed for exciting gifts and vouchers
  • Earn 2 PAYBACK points on every ₹ 100 spent for all retail purchases except fuel
  • Save a minimum of 15% on dining bills at over 800 participating restaurants spread across 12 major cities
ICICI Sapphiro Credit Card

Joining Fee: Rs. 6,500 + GST

Annual Fees: Rs. 3,500 + GST(Annual fee reversed on spends of Rs. 5,00,000 )

Complimentary all new Kindle on joining. and get welcome vouchers of shopping and travel worth ₹ 10,000 within 30 days of payment of the joining fee

  • Buy one, Get one movie ticket free at BookMyShow
  • Earn up to 20,000 additional PAYBACK points every anniversary year
  • Earn 2X rewards on International spends
  • Complimentary international lounge visits and domestic airport Spa access with DragonPass lounge program
  • Unlimited complimentary lounge access under American express lounge program
  • Enjoy 4 complimentary airport lounge access per quarter on Mastercard lounge
  • Get 3 PAYBACK points on every Rs. 100 spent on multiple categories
  • Minimum 15% savings on dining bills
  • 1% fuels surcharge waived off on fuel transactions
ICICI Rubyx Credit Card

Joining Fee: Rs. 3,000 + GST

Annual fees : Rs 2000 + GST ( waived off on annual spends of Rs. 3,00,000 or more)

welcome vouchers of shopping and travel worth Rs 5000 within 30 days of payment of joining fees. and get complimentary Sennheiser HD 221 headphones on joining.

  • Two complimentary movie tickets every month under Buy One Get One offer from
  • Earn upto Rs. 15,000 PayBack points every year
  • 2 complimentary domestic railway lounge visits per quarter
  • Earn 2X reward points on all international transactions on your card
  • 2 complimentary round of golf every time on spends of Rs. 50,000 or more
  • Get 2 complimentary lounge visits per quarter on MasterCard and 10 per calendar year
  • Enjoy 1% fuel surcharge waived off on fuel transactions at any fuel outlet
  • Save minimum 15% at over 2500+ restaurants in 11 cities
ICICI Coral Credit Card

Joining Fee: Rs. 500 + GST

Annual Fees: Rs. 500 + GST(Annual fee waiver on annual spends of Rs. 1,50,000.)

Complimentary tie from Provogue on joining

  • Earn up to 10,000 PAYBACK points every anniversary year on multiple spends
  • Get one complimentary domestic airport lounge and one domestic lounge visits per quarter
  • Get 2 complimentary movie tickets every month under the Buy One Get One free offer through
  • Minimum 15% savings on dining bills at over 2500+ restaurants across India through Culinary Treat Programme
  • Annual fee waiver on annual spends of Rs. 1,50,000
ICICI Ferrari Platinum Credit Card

Joining Fee: Rs. 499 + GST/ Annual Fees: Rs 499 + GST

(Annual fee waiver on spends of Rs. 1,25,000)


  • Discounts on Ferrari merchandise at the Online Ferrari Store
  • 2 complimentary domestic Airport Lounge visit per quarter
  • 15% savings on dining bills at over 800 restaurants across India
  • 1% Fuel surcharge waiver
  • Two complimentary movie tickets every month under Buy One Get One offer from
  • Annual fee waiver on spends of Rs. 1,25,000 in the year
ICICI Ferrari Signature Credit Card

Joining Fee: Rs. 3,999 + GST

Annual Fees: Rs. 999 + GST (Annual fee waiver on spends of Rs. 2,50,000 in the year)

Complimentary Scuderia Ferrari watch on joining

  • Up to 15% discount on Ferrari merchandise at Ferrari Online Store
  • Complimentary Access to domestic airport lounges in India
  • 15% savings on dining bills at over 800 restaurants across India
  • 1% Fuel surcharge waiver
  • Two complimentary movie tickets every month under Buy One Get One offer from
  • Annual fee waiver on spends of Rs. 2,50,000 in the year

Frequently Asked Questions

General Questions

Q. How many supplementary cards can I have and what are the charges involved?

A. A maximum of up to 3 supplementary cards can be issued to immediate family members including any supplementary cards issued against any other ICICI Bank Primary card.

Q. How can I check my credit card usage?

A. You can view your credit card statement anytime you want. The best three ways to check your credit card usage are:
  • Call your issuer to know the balance
  • Log in to your account on the issuer’s website/app
  • Check your credit card statement

Q. What should I do if I lose my card or if my card is stolen?

A. In a case where your credit card is lost or stolen, you must immediately report to Alternatively, you can contact the customer care and report the same. Alternatively, you can connect with the bank on 1800 200 3344.

Q. How can I block my credit card?

A. You can block your credit card by contacting the number given on the back of your credit card. This number is different on the basis of the card type and can give you assistance in blocking your credit card. Alternatively, you can contact the customer care number 1800 200 3344.

Q. I want to apply for an ad on card, how to do that and to whom ad on card will be given?

A. Add-on credit cards from ICICI can be given to immediate blood relatives of the primary card holder (Father, Mother, Son, Daughter, Brother, Sister) or Spouse and is above 18 years of age. You can apply for a maximum of 3 add-on cards against one primary card. In order to do that, you can write on from your registered e-mail ID or contact the ICICI customer care with your registered mobile number between 7:00 a.m. and 9:00 p.m.

Q. What is the revolving credit facility?

A. A revolving credit facility is an arrangement which allows for the loan amount to be withdrawn, repaid, and redrawn again in any manner and any number of times, until the arrangement expires. There is no fixed number of instalments unlike in other forms of credit.
Some of the examples of revolving credit facility are overdraft and credit cards.

Q. How can I avail benefit of interest-free period?

A. In order to best benefit the interest-free period, it is advisable to pay your balance in full each month. Moreover, you can plan your big purchases in a manner where you buy at the start of the statement to give yourself more time to repay.

Q. When will my rewards points with ICICI Credit card expire?

A. The reward points of ICICI credit card expires in 3 years from the date of earn. Which is why it is advisable to redeem them within three years to not let it lapse.

Q. What is the validity period of ICICI credit card?

A. The validity of ICICI credit card is 4 years from the date of issue. Thereafter, the credit card is automatically renewed and sent it to your mailing address 10 days before the expiry date.

Q. What is the auto debit facility for my credit card?

A. The auto-debit facility on a credit card helps to automatically deduct the decided amount on the set date. The auto-debit can be facilitated for paying the minimum due or paying the full outstanding amount.
To activate your auto-debit facility for your ICICI credit card payments, follow these steps:
  • Step 1: Visit the website
  • Step 2: Click on 'Form Center' (At the bottom of the screen under Others option)
  • Step 3: Select Auto-Debit Facility under Credit Card.

Q. How does a customer cancel the credit card?

A. To cancel your ICICI credit card, you can write on from your registered e-mail ID. Alternatively, you can contact the ICICI customer care.

Q. When is the late payment fee charged on credit card?

A. The late payment fee is charged on the credit card when the credit card dues are not paid by the due date. The late payment charges for ICICI credit card are:
Total Amount Due Late Payment Charges
Less than ₹100 NIL
Between ₹100 - ₹500 ₹100
Between ₹501 - ₹10,000 ₹500
More than ₹10,000 ₹750

Q. How often can I change my ICICI Credit Card limits?

A. A credit card user can change his/her ICICI credit card limits upon completing 12 months of membership. However, the changes(enhancement/reduction) is at the discretion of the bank.

Q. I want to avail the Balance Transfer facility on my credit card. How to place request for Balance Transfer on credit card?

A. To place a balance transfer request on your ICICI credit card, SMS BT to 5676766 or give a missed call on 7572807807.

Credit Card Eligibility Questions

Q. How long does it take to apply for and receive an ICICI Credit Card?

A. At IndiaLends, you can apply for an ICICI credit card within 5 minutes. Our easy and simple application process is timesaving and efficient. Although after application is submitted and documents are verified, it generally takes 7-10 to receive your ICICI credit card.

Q. What is the eligibility criteria for getting an ICICI Credit Card?

A. The eligibility criteria for getting an ICICI credit card are:
  1. Income: The applicant must have a minimum salary of ₹20,000/month. For self-employed individuals, the minimum annual income should be at least ₹3 lakhs.
  2. Age: The applicant should be at least 23 years of age.
  3. Nationality: The applicant must be an Indian.
  4. Employment: Salaried or Self-Employed
  5. Credit score: A good credit score with an excellent past record of loan and credit card repayments.

Q. Why was my ICICI credit card application rejected?

A. Your ICICI credit card application could be rejected due to any of the following reasons:
  1. Poor or no credit history
  2. Low income
  3. Work profile
  4. Past Application Rejections

Q. What are the documents required for processing a credit card application and how do I submit the same?

A. The documents needed for processing a credit card application are:
  1. 2 passport size photos and signature-bearing national identity cards
  2. Proof of address (Ration card, electricity bill and others)
  3. PAN card
  4. Form 16 and the Income Tax Returns Statement
  5. Proof of salary, employment or proof of business details in case of self-employed individuals
  6. Last 3 months salary statement/ ITR of last 3 years

Please note the list is not exhaustive and can differ on case-to-case basis. Therefore, it is advisable to confirm.

Application Process and Fee Questions

Q. What are the other charges included in the Credit Cards process?

A. IndiaLends does not charge its customers any fees for applying for Credit Cards on its platform. However, financial institutions can charge the following fees along with interest payments:
  1. Add on Card Fee - The fee charged for applying for another card which shall have all the features of your primary Credit Card.
  2. Extended Credit Charges - It is a fee charged by financial institutions for extending the customer’s credit limit.
  3. Cash Withdrawal Charges – The charges paid by the customer to the financial institution for withdrawal of money.

Q. What are the modes available for Credit Card bill payments?

A. Net Banking, NEFT/RTGS Transfers, Debit Cards, Visa Money Transfer, Cash, Cheques, Demand Drafts are some of the ways of making Credit Card Bill Payments.

Q. What factors should I consider while taking a Card?

A. You need to consider the following factors when you take a Credit Card:
  1. Purpose of the Credit Card
  2. Expense behaviour to select the best Reward Scheme
  3. Number of Credit Cards you’re currently holding. Ideally, a customer should hold not more than 3 Credit Cards
  4. Any active loan/heavy EMI payment
  5. Interest Rate on the card
  6. Customer Service

IndiaLends - Specific Questions

Q. Will I be charged by IndiaLends for services offered?

A. No. The services offered by IndiaLends are completely free of charge.

Q. After I submit my application to IndiaLends, what next?

A. Once you fill-up our application form, your application will be matched with the best financial institution based on your credit profile, and will be securely sent to them. You will soon be contacted by the lender directly for disbursal.

Q. How do I apply for a Credit Card with IndiaLends?

A. You can fill-up our short application form and get a status update within minutes of applying.

Q. Can I deactivate my Credit Card?

A. Yes, Once you have decided to close your credit card, the first thing you need to do is to contact your card issuing bank and tell them regarding your card cancellation request. They will ask the reason behind your cancellation request to further guide you through the whole credit card cancellation procedure. According to the norms, you will have to send a written communication via email to your concerned bank so that they can verify and cross check the authenticity of the request. Do keep in mind, your cancellation request will only be accepted once your card holds no dues.