ICICI Credit Cards

For a quick and convenient option, you can visit your nearest ICICI Bank Branch to apply for an Insta Credit Card, swiftly issued against the opening of a Fixed Deposit and handed over instantly at the counter.

By following regular usage and timely payments, you can not only maintain a positive credit track record but also enjoy the added benefit of competitive interest rates on the associated Fixed Deposit.

With ICICI credit cards, users can enjoy financial flexibility, attractive rewards, and a secure avenue for building and strengthening their credit profile. Let’s find out more about these cards.

Key Features and Benefits of ICICI Credit Cards

Listed below are the salient features and benefits of ICICI credit cards -

• Get Cash at Any Time - With a large number of ATMs across the country, you can seamlessly withdraw cash at any point.
• Contactless Payment Option - You can instantly make payments by tapping the credit card on a cashier’s POS terminal that supports contactless payments.
• Easy Bill Payments - With the autopay feature, you will never miss out on credit card bill payments! To activate this feature, simply register your ICICI credit card on the net banking portal.
• Scan and Pay - ICICI allows access to the Scan and Pay feature to make the payment process smoother and hassle-free. For this, link your ICICI credit card with your UPI app and scan the QR code to make payments immediately.

Top ICICI Credit Cards

Tabled below are the top ICICI credit cards -

ICICI Credit Card Fees and Charges

Here are the interest rates applicable to the top ICICI credit cards -

ICICI Credit Card Eligibility Criteria

Mentioned below are the eligibility criteria for ICICI credit cards -

• Minimum Age – 21 years
• Minimum Annual Income 
  • For ICICI Bank Salaried Employee: INR 2,40,000 
  • For Non-ICICI Bank Salaried Employee: INR 3,60,000
  • For Self-Employed Individuals Holding Savings Account with ICICI Bank: INR 3,60,000 (ITR)
  • Self-Employed Individual but not Holding Savings Account with ICICI Bank: INR 4,80,000 (ITR)

Things to Know Before Securely Applying for ICICI Credit Card

When applying for an ICICI credit card, keep in mind the following points -

• Select an appropriate card - Different credit cards cater to various needs — it’s crucial to choose a card that specifically matches your requirements. Take into account factors like the interest rate, annual fees, reward points, and cashback offers when choosing a card.
• Comprehend the billing cycle - The billing cycle refers to the span between two statement dates. Understanding the billing cycle is vital to prevent late payment charges and interest fees.
• Ensure timely bill payments - Timely payments are crucial if you wish to maintain a positive credit score and avoid late payment charges and interest fees.
• Refrain from reaching your credit limit - It's recommended not to utilise your entire credit limit. Generally, exceeding 30% of your credit limit can have adverse effects on your credit score.
• Monitor your expenditures - Keeping tabs on your expenses is essential to prevent overspending and ensure timely bill payments.

Check out some frequently asked questions about ICICI credit cards in the next section.

Frequently Asked Questions