Credit cards

Apply for the credit card that best suit your needs

Make a wise choice from among a range of cards to maximise benefits

You can choose a credit card that best suits your requirements, from among a wide range of options offered by ICICI Direct through ICICI Bank. These credit cards allow you the flexibility to make purchases/transactions irrespective of the balance in your bank account, and also come with several benefits and rewards that help maximise the user experience. A pre-set credit limit on the card is allowed by the bank based on the customer’s credit score and monthly income, among other things. You can choose the credit card type that best works for you.

Features And Benefits of Credit Cards

  • Get attractive rewards, offers and cashbacks
  • Fuel surcharge waiver offered by banks on some cards
  • Offers on entertainment, dining, shopping, and other lifestyle benefits are available to credit cardholders
  • Increased purchasing power for customers
  • Helps users and build or improve their credit score
Net Annual Income Your Interest Benefits
> 2.5 Lacs Lifestyle Platinum Chip Credit Card
  • No Joining Fee. No Annual Fee
  • Earn PAYBACK Points on your spends except fuel
  • Min. 15% savings on dining at participating restaurants
  • Save on 1% fuel surcharge, waived off at HPCL petrol pumps
Travel Make My Trip ICICI Bank Platinum Chip Credit Card
  • Joining Fee- Rs 500 + GST
  • Rs 500 My Cash plus Lemon Tree Hotels voucher on joining
  • Enjoy benefits worth up to Rs 20,000
  • Enjoy complimentary domestic airport & domestic railway lounge access
Sports Manchester United Platinum credit card
  • Joining Fee- Rs 499 + GS
  • Get a Manchester United branded football on activation
  • Movie ticket benefit – Buy 1, Get 1 free.
  • 1 complimentary domestic airport lounge visit per quarter.
> 5 Lacs Lifestyle Coral Credit Card
  • Joining Fee: Rs 500 + GST
  • Earn up to 10,000 additional reward points
  • Buy 1, get 1 movie ticket free at BookMyShow
  • One complimentary railway lounge visit per quarter
Travel Make My Trip ICICI Bank Signature Credit Card
  • Joining Fee- Rs 2,500 + GST
  • Rs 1,500 My Cash plus Lemon Tree Hotels voucher on joining
  • Enjoy benefits worth up to Rs 70,000
  • MMTDOUBLEBLACK & MMTBLACK enrolment on joining
Sports Manchester United Signature Credit Card (Net Annual Income > 4.8 Lacs)
  • Joining Fee- Rs 2,499 + GST
  • Get a Manchester United branded holdall and football on joining
  • Movie ticket benefits - Buy 1, Get 1 free
  • 2 complimentary domestic airport lounge visits per quarter
> 10 Lacs Lifestyle Ruby X Credit card
  • Exclusive privileges - entertainment, dining, wellness and golf
  • Complimentary airport lounge access
  • Buy 1, get 1 movie ticket free at BookMyShow
  • Welcome Vouchers on Shopping and Travel worth Rs 5000
> 15 Lacs Lifestyle Sapphiro Credit Card
  • Exclusive privileges - entertainment, dining, wellness and golf
  • Complimentary membership to the Dreamfolks DragonPass programme
  • Buy 1, get 1 movie ticket free at BookMyShow
  • Welcome Vouchers on Shopping and Travel worth Rs 10000

Add-on/Supplementary Card

ICICI Bank credit cardholders can also avail of an add-on card or supplementary card option in order to share the features of their card user experience with family. This facility is on offer with no additional fee.

The primary cardholders can share almost all benefits of their credit card with family, without a separate joining fee or annual fees. Your spouse, parents, children (above 18 years of age) and brothers/sisters (above 18 years of age) are eligible for a supplementary card.

This option simplifies day-to-day transactions for your loved ones, making household expenses and shopping easier for your family.

And what's more, you can apply for as many as three add-on cards against your primary ICICI Bank credit card.

Terms & conditions

  • The Primary cardholder is liable for the Supplementary Cards
  • All communication for Supplementary Card will be sent to the Primary Card holder (except OTPs, which will be sent to the supplementary cardholder’s mobile number as mentioned in the application form)
  • A maximum of 3 Supplementary Cards can be issued against the Primary Card
  • The Supplementary Card can be used for international transactions, only if international usage is enabled on the Primary Card

Supplementary Credit Cards Fees & Charges

  • Supplementary Credit Cards are issued at no additional fee
  • On Jet Airways ICICI Bank Coral Credit Card, Jet Airways ICICI Bank Rubyx Credit Card and on Jet Airways ICICI Bank Sapphiro Credit Card, an annual fee of Rs 250 is applicable
  • On MakeMyTrip ICICI Bank Platinum Credit Card and MakeMyTrip ICICI Bank Signature Credit Card, a one-time fee of Rs 250 is applicable
  • On ICICI Bank Expressions Credit Card, a one-time fee of Rs 199 is applicable
  • On ICICI Bank Unifare Metro Credit Cards a one-time fee of Rs 299 is applicable

Credit Cards FAQs

  • How can I increase the credit limit on my credit card?

    If you have received a SMS to avail the offer to increase your credit card limit, you may reply to the SMS and we will get in touch with you. Alternatively, if you want to know the eligibility, you may call our Customer Care by authenticating with your credit card and PIN.

  • How can I view and download Credit Card statement?

    You can view your credit card statement details through the following modes:

    Internet banking:

    Log in to your Internet Banking Account > My Accounts > Credit Cards > Service request > Credit card statement request- E-mail > Choose the date required (You can download the statement as a PDF)

    Login with your User ID and Password to view and download your Credit Card statement.

    iMobile app:

    Login to iMobile > Click on > Select Credit Card Number> Click on Card Number > Click on More options > Select the Last/past Statement > Choose the Statement date and View/Send e-mail.

  • I want to convert a transaction into EMI. What are the EMI tenure options available?

    All the retail transactions of Rs. 3,000.00 and above made on credit card can be converted into EMI within 30 days from the purchase date for a tenure of 3, 6, 9 and 12 EMIs ( However, transactions of cash, jewellery and fuel purchases are excluded for EMI conversion).

  • How do I pay my credit card bill?

    In our endeavour to make your experience with ICICI Bank Credit Cards even more convenient, we bring you multiple payment options that you can avail of to pay your ICICI Bank Credit Card bill. Please click here to know the payment options.

  • How often can I change my Credit Card limits?

    There is no cap on the number of times the limit can be changed.

  • Can I know the status on credit card payments?

    Yes, there is an option called View Last Credit received in Internet Banking Account, which will help you with this requirement of yours.

    Please login to your Internet Banking Account > My Accounts> Credit Cards> View Last Credit Received.

    It will show you the following details:

    • Last payment received date
    • Last payment amount
    • Payment due date
    • Next statement date