Credit Card - Apply Online & Get Instant Approval (2024)

Select Annual Income

• 2.5 lac
• 5 Lac
• 10 Lac
• 15 Lacs +

• Zero Joining and Annual Fees
• 2 Rewards Points per Rs. 100 spent, except Fuel
• 1% Fuel Surcharge waiver at HPCL petrol pumps

Joining Fee: NILAnnual Fee: NIL

• 25% discount on movie tickets, on BookMyShow and Inox, twice per month
• One Complimentary Railway and Domestic Airport Lounge Access, per quarter
• 1% Fuel Surcharge waiver at HPCL Petrol Pumps

Joining Fee: ₹500/ NILAnnual Fee: ₹500/ NIL

• Welcome vouchers worth Rs. 5000+
• 25% discount on movie tickets, on BookMyShow and Inox, twice per month
• Air Accident insurance of Rs 1 cr and lost card liability Rs 50k
• Two Complimentary rounds of golf, per month

Joining Fee: ₹3000+GSTAnnual Fee: ₹2000+GST

• Welcome vouchers worth Rs. 9000+
• Buy one movie ticket, get Rs 500 off on second tikcet, on BookMyShow, twice per month
• Two Complimentary International Airport Lounge Access, per year
• Four Complimentary Domestic Airport Lounge Access, per quarter

Joining Fee: ₹6500+GSTAnnual Fee: ₹3500+GST

• Complimentary Manchester United Football
• Up to 3 reward points per Rs. 100 spent
• 25% off up to Rs. 100 on selected cinema ticket retailers
• 1 Complimentary Airport Lounge Access per quarter

Joining Fee: ₹499+GSTAnnual Fee: ₹499+GST

• Complimentary Manchester United Football & Holdall
• Up to 5 reward points per Rs. 100 spent
• 25% off up to Rs. 150 on selected cinema ticket retailers
• Two Complimentary Airport Lounge Access/quarter

Joining Fee: ₹2499+GSTAnnual Fee: ₹2499+GST/

Things to know before applying for a Credit Card

1. Choose the right card

   Different Credit Cards cater to different needs, so choosing the right card is essential. Consider factors such as the interest rate, annual fees, reward points, and cashback offers when selecting a card.

2. Understand the billing cycle

   The billing cycle is the period between two statement dates. It's essential to understand the billing cycle to avoid late payment charges and interest charges.

3. Pay your bills on time

   Late payments can negatively impact your credit score and result in late payment charges and interest charges.

4. Avoid maxing out your credit limit

   It's advisable not to use your entire credit limit. Using more than 30% of your credit limit can negatively impact your credit score.

5. Keep track of your expenses

   It's important to keep track of your expenses to avoid overspending and to pay your bills on time.

Some of the common types of Credit Cards in India are:

• Reward Credit Cards - Maximise your spending and earn rewards with a great credit card that fits your lifestyle and financial needs.

• Fuel Credit Cards - Save money on gas and earn rewards with a fuel credit card that's designed for drivers like you.

• Travel Credit Cards - Travel more, spend less with a travel credit card that earns you rewards, miles, and perks on every adventure.

• Cashback Credit Cards - Earn cash while you shop with a cashback credit card that puts money back in your pocket for every purchase you make.

• Business Credit Cards - Boost your business with a credit card that offers amazing perks tailored to your company's unique needs and expenses.

Credit Cards make it convenient to make purchases but there are always some dos and don’ts you need to look out for.

Do’s

• Always pay your bills on time and in full to have a robust credit history and no interest charges.

• Always check your Credit Card statements regularly for errors to avoid any fraudulent activities.

• Always use your Credit Card wisely to avoid a debt trap.

Don’ts

• Don't share your Credit Card information with anyone.

• Don't exceed your credit limit.

• Don't make late payments.

• Use your Credit Card from reliable and trusted merchants.

• Set up alerts for transactions to detect any fraudulent activity.

• Always check your Credit Card statement for any discrepancies.

• Never save your card information on any websites.

• Use strong, unique passwords and never share your Credit Card information with anyone.

• Never use your Credit Card on public WiFis or unsecured transactions.

• In case of fraud or theft, report the same at the earliest to avail the Card Protection Plan.

The ICICI Bank Credit Card application process is very easy. Here are the steps to apply for a Credit Card:

1. Visit our official website

2. Select your Credit Card as per preference and check eligibility

3. Validate your address and employment information

4. Complete the authorisation process with either NetBanking or a Debit card

5. After an internal review, we will provide you with a new Credit Card.

A Credit Card is a payment card that allows you to make purchases without immediate payment. It is widely accepted and you need not carry cash with you always. Your bank issues this card based on your income and other eligibility criteria. They set a limit on how much you can spend. However, you have to pay back the amount you spend within a specific time. If you are late in making the payment, you will have to pay the interest along with some additional charges.

A Credit Card balance is the available balance from the sanctioned credit amount, which a Cardholder can use to purchase goods through the following methods: Online, Point of Sale, Cash Withdrawal etc.

A Credit Card Statement is a summary of spends and payments made through the Credit Card during the specific period of credit cycle.

Reward Points are awarded against retail purchases on your ICICI Bank Credit Card, which may differ between cards. It can be redeemed on our reward platform.

You can activate your Credit Card for International transactions through iMobile Pay or Retail Internet Banking (RIB).

ICICI Bank offers a varied range of Gemstone and Co-branded Credit Cards which fulfils your day-to-day expenditure requirement along with exciting offers and discounts on selective range of products throughout the year.

A RuPay Credit Card is an innovative financial instrument seamlessly integrated with the RuPay payment network. The ICICI Bank RuPay Credit Card enhances your transactional experience, offering an array of rewards, discounts and leisure benefits, making it an optimal choice for your everyday expenditures.

A lifetime free Credit Card is a card that eliminates joining and annual fees. Users enjoy benefits like rewards, discounts and exclusive perks. The eligibility criteria include age (minimum 21 years), annual salary (around Rs 2.5 lakh) and Indian nationality. These cards prioritise security, offer reward points and often provide a fuel surcharge waiver, making financial management seamless and cost-effective.

You can get your ICICI Bank Credit Card CVV number through the iMobile Pay app.
Log in to iMobile Pay > Cards & Forex > Select the specific Credit Card. The Virtual Credit Card facilitates online transactions and the CVV is essential for processing digital purchases. Access your CVV conveniently for secure online shopping.

Yes, linking your UPI Rupay Credit Card to iMobile Pay or UPI apps enables contactless payments without requiring a contact number. Scan any Merchant QR code, validate the payment and complete the seamless contactless payment process.