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Key Features of ICICI Bank Credit Cards

  • Wide Range of Cards: Lifestyle, travel, shopping, fuel, and premium cards.
  • Reward Points: Earn points on every spend, redeemable for vouchers, flights, and more.
  • Contactless Payments: Tap-and-pay with NFC-enabled cards.
  • EMI Facility: Convert big purchases into easy EMIs.
  • Fuel Surcharge Waiver: Save on fuel transactions (terms apply).
  • Complimentary Airport Lounge Access: Available on select cards.
  • Zero Fraud Liability: Protection against unauthorized transactions.
  • Global Acceptance: Use internationally (Visa/Mastercard/RuPay).
  • Instant Discounts: Partner offers on dining, shopping, and travel.
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Benefits of ICICI Bank Credit Cards

  • Cashback & Discounts: Exclusive deals on Amazon, Flipkart, Swiggy, etc.
  • Travel Benefits: Air miles, hotel discounts, and free insurance coverage.
  • Insurance Cover: Air accident, lost card liability, and purchase protection.
  • Flexible Repayment: Pay the minimum due or in full to avoid interest.
  • ICICI Bank Offers: Regular promotions on dining, movies, and more.
  • Digital Banking: Manage card via iMobile Pay app & Internet Banking.
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How to Apply for an ICICI Bank Credit Card?

  • Online Application: Visit ICICI Bank website or mobile app.
  • Offline Application: Visit a branch or apply via customer care.
  • Pre-approved Offers: Check eligibility via net banking.
  • Instant Approval: Some cards offer quick approval & virtual card access.

Eligibility Criteria

  • Age: 18+ years (21+ for some premium cards).
  • Income Requirement: Varies by card (e.g., ₹2.5L p.a. for basic cards, ₹12L+ for premium).
  • Credit Score: 750+ preferred.
  • Employment: Salaried, self-employed, or business owners.
  • Documents Required: PAN, Aadhar, income proof, bank statements.
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Factors to Consider Before Choosing a Card

  • Spending Habits: Travel, shopping, fuel, etc.
  • Annual Fees & Charges: Some cards have zero joining fees.
  • Reward Structure: Points, cashback, air miles.
  • Interest Rates: Varies between cards.
  • Add-on Card Benefits: Extra cards for family.

Usage Tips for ICICI Credit Cardholders

  • Pay bills on time: To avoid late fees & high interest.
  • Utilize reward points: Before expiry.
  • Enable SMS/email alerts: For transactions.
  • Use EMI options: For expensive purchases.
  • Opt for automatic bill payments: Via net banking.

FAQs on ICICI Bank Credit Cards

How to check ICICI credit card eligibility?
Check via ICICI's website, app, or net banking for pre-approved offers.
What is the interest rate on ICICI credit cards?
Typically ranges from 1.5% to 3.5% per month (varies by card type).
How to activate an ICICI credit card?
Via IVR call, iMobile app, or Internet Banking.
How to redeem ICICI credit card reward points?
Log in to rewards portal & redeem for vouchers, flight tickets, or cashback.
What is the credit limit on ICICI cards?
Depends on income, credit score, and card variant (starts from ₹15,000).
How to get a waiver on annual fees?
Some cards offer fee reversal on spending a minimum amount annually.
Can I convert purchases to EMI later?
Yes, via iMobile app or customer care within 30 days of purchase.
How to report a lost/stolen ICICI credit card?
Call customer care 8885545255 or block via net banking immediately.
Does ICICI offer lifetime free credit cards?
Yes, cards like ICICI Amazon Pay & Coral Contactless are lifetime free.
What is the grace period for ICICI credit card payments?
Usually 15-20 days from the billing date (interest-free if paid in full).

List of ICICI Bank Credit Cards