In a time where financial convenience reigns supreme, there’s nothing like having a credit card that can cater to all of your needs. One of the most reliable credit card providers in India is ICICI Bank. As a leader in the banking industry, ICICI Bank brings consumers savvy financial solutions like its extensive range of ICICI credit card options.
Besides discounts on select shopping and dining establishments, ICICI Bank credit card options also give generous cash rewards and payback offers. It also allows ease of use wherever you might be. From making purchases overseas to withdrawing cash from ATMs, these cards move with you and complement your lifestyle.
Want to get all these perks and more? Continue reading to find out more about what an ICICI Bank credit card has to offer and how you can apply. Discover more of the details below.
Features And Benefits Of An ICICI Bank Credit Card
An ICICI credit card provides users with the chance to earn Payback Points for every transaction. For every Rs 100 spent on retail items, users will earn two Payback Points. Meanwhile, for every Rs. 100 spent on utilities and insurance categories, cardholders receive one Payback Point. Accumulated points can be redeemed for travel, dining, discounts, and more.
In addition to earning points and redeeming rewards, members can also access certain deals and arrangements. These include getting a fuel surcharge waiver, discounted rates and offers on airline tickets and hotel accommodations, complimentary airport lounge access, and much more.
To guarantee users' safety and security, all ICICI credit card offerings have a chip to prevent fraudulent transactions. Card management features are also accessible online or through the bank’s mobile banking app.
Applying For An ICICI Bank Credit Card
Credit card applications may be done online via the ICICI Bank website. Applicants who do so may even get instant approval. However, they must provide basic information, the type of card they want, and relevant documents. Personal details, employment, and financial records are just some of the key information the bank is looking for.
For eligibility requirements, applicants must be between the ages of 21 and 65. Also, individuals must be a resident of India and have a stable source of income. The credit card limit and the type of ICICI Bank credit card you will be approved for will also depend on these factors.
Consider The Fees And Charges
- Joining Fee – Rs. 499 to Rs. 6,500 depending on the chosen card; no fees for the British Airways Classic Credit Card, British Airways Premium Credit Card, or the Instant Platinum Credit Card
- Annual Fee – No annual fee for the first year except for the British Airways Classic Credit Card valued at Rs. 3,500 and the British Airways Premium Credit Card valued at Rs. 7,000. After the first year, annual fees range from Rs. 99 to Rs. 7,000
- APR – 29.88% to 44%
- Foreign Currency Transactions – 3.50% charge
- Late Payment Charge – Rs. 100 to Rs. 750
- Overlimit Charge – 2.50% of the over-limit amount (minimum of Rs. 500)
Contact The Bank
Want to start your financial journey with ICICI Bank? Feel free to contact ICICI credit card customer care at 1860 120 7777 or visit them at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara 390007, Gujarat, India.
The Bottom Line
ICICI Bank offers a range of cards that can meet the individual financial needs of a variety of users. Therefore, if you are looking for a new credit card, ICICI Bank's offers should be considered. However, it is important to make sure you fully understand the charges of the card.
*Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.
