All Credit Cards by ICICI Bank in India

ICICI Bank, one of India’s leading private sector banks, offers a wide range of credit cards tailored for practically every lifestyle. Whether you love travel, dining, fuel savings, or want a secured card backed by your fixed deposit, there’s something here for you. 

Their cards come with features like reward points, complimentary lounge access, fuel surcharge waivers, and EMI conversion options. Fees, joining benefits, and eligibility vary across card types. 

Best Credit Cards by ICICI Bank

Here are some of the most popular options currently available:

I personally like how ICICI’s range moves smoothly from basic to premium. You can start small and upgrade as your financial comfort grows. If you’re just building credit, that FD-backed card is a great start.

ICICI Bank Credit Card Features & Benefits

Most cards come with reward points on retail spends, discounts on entertainment and dining, and fuel surcharge waivers at select outlets. 

The premium ones bring extra perks like international lounge access and luxury tie-ups. There’s also a credit-free window of about 45-48 days and flexible EMI conversions for larger transactions. Higher-tier cards cost more but unlock more privileges.

• Reward Points Earning: Points usually accrue on every ₹100 or ₹150 spent, redeemable for vouchers or merchandise.
• Lounge Access: Complimentary domestic/international entries depending on variant and quarterly spending.
• Fuel Surcharge Waiver: Most cards offer a 1% waiver at HPCL pumps.
• FD-Backed Cards: Ideal for those starting out. You deposit ₹50,000+ as FD, get a credit limit up to 90% of that, while the FD continues earning interest.
• Co-brand & Lifestyle Specials: Cards partnered with MakeMyTrip, Manchester United, Adani One, and more for ecosystem-based rebates.

Top ICICI Bank Credit Card Reviews

Over the years, I’ve tracked what users commonly say, and here’s the gist:

• Premium cards like Emeralde, Sapphiro, and Rubyx are appreciated for their perks and travel access, though users warn that the free lounge conditions and spend thresholds have tightened.
• FD-backed cards such as Instant Platinum remain favorites among beginners or those with limited income proof.
• Co-branded cards earn praise for partner offers, especially during festive seasons.
• Some annoyance remains around recent devaluations, especially reduced reward eligibility, DCC charges on foreign spends, and exclusion of rent or education transactions. Source

Card Against FD by ICICI Bank in India

This is one of ICICI’s biggest advantages. A card against your fixed deposit doesn’t require income proof or CIBIL history. You place an FD (minimum ₹50,000, auto-renewal enabled) and get a credit limit up to 90% of its value. Your FD continues earning interest while serving as collateral. If used responsibly, this setup can boost your credit score steadily.

ICICI Bank Credit Card Rewards, Cashback & Offers

Rewards on ICICI cards typically follow a simple point system (e.g., 2 points per ₹100), plus partner offers for dining, movies, or travel. Cashback also appears through tie-ups and festive promotions. As of early 2024, note a few changes: rent and wallet load spends no longer earn points; some utilities are capped.

ICICI Bank Credit Card Eligibility Criteria

Applicants between 21–58 years (salaried) or up to 65 (self-employed) can apply. Income requirements differ by card type. 

You must be an Indian citizen with an acceptable credit history. FD-backed cards are the flexible option for those with limited income documents. 

ICICI Bank Credit Card — Documents Required

• Proof of Identity: PAN (mandatory), Aadhaar, Passport, Voter ID, or Driving License
• Proof of Address: Aadhaar, Passport, recent utility bill (within 3 months)
• Proof of Income: Salary slips, bank statements, or ITR (for self-employed)
• Passport-size photos for offline applications
• Additional docs: Business proof or FD receipts for secured cards

How to Apply for ICICI Bank Credit Cards? 

1. Visit ICICI Bank’s website, internet banking, iMobile app, or a branch.
2. Compare available cards and choose one that fits your lifestyle.
3. Fill the form with personal, employment, and income details.
4. Submit KYC documents. If opting for an FD-backed card, create the fixed deposit with auto-renewal.
5. Wait for verification and credit assessment.
6. Once approved, you’ll receive the card and activation instructions.
7. Activate the card, set PIN, and start using responsibly.

ICICI Bank Credit Card Application Status

You can check your card application status via iMobile app, Internet Banking, or customer care using your application number. FD-backed cards are often issued instantly, while others might take a few days according to official source

How to Activate an ICICI Bank Credit Card? 

On receiving your card, you can activate it via iMobile, Internet Banking, or the dedicated helpline. 

Then set a new PIN through ATM or digitally, and you’re good to go.

ICICI Bank Login / NetBanking Access

Log in through the official website or the iMobile app. Use the “Cards” section to view statements or manage limits. Always keep software updated and OTP-enabled for safety.

ICICI Bank Credit Card Customer Care

For assistance, reach ICICI Bank’s 24×7 customer care at 1800-1080. 

There are variant-specific helplines and email support channels too. In case of loss or theft, use the emergency helpline immediately.

ICICI Bank Recent Devaluations & Discontinuation

• Early 2024 saw big changes—no reward on rent or wallet loads, higher ₹75,000 quarterly spend needed for lounge eligibility, and DCC fees on INR international transactions. Details

• DreamFolks, the earlier lounge partner, stopped domestic airport lounge services in September 2025, affecting ICICI cardholders. Report

ICICI Bank Latest News & Updates

• September 2025: DreamFolks announced full withdrawal of domestic lounge operations; ICICI is seeking alternative providers.

ICICI Bank Domestic Lounge Status

Lounge access rules now need you to have spent ₹75,000 in the earlier calendar quarter to qualify for the next quarter’s access (except for high-tier cards). After DreamFolks’ exit, domestic lounge entry has been in transition.

Also Read: ICICI Credit Card Lounge Access List

FAQs about ICICI Bank Credit Cards

What is the minimum age and income required for applying to an ICICI Bank credit card?

21-58 years (salaried) or up to 65 (self-employed). Income thresholds vary by card.

Can I get an ICICI credit card without income proof?

Yes, through an FD-backed card. Deposit ₹50,000+, enable auto-renewal, and you’ll qualify easily.

How do reward points work?

Typically 2 points per ₹100 spent, redeemable for vouchers or merchandise. Exclusions apply based on specific MCC code spends. 

What about lounge access after 2024 changes?

Most users now need ₹75,000 quarterly spend for domestic lounge access. Emeralde users remain exempt from this limit.

What happens to FD-backed cards after FD maturity?

If FD auto-renews, card stays active. If FD is closed with dues pending, bank may settle from FD before closure.

My Take on ICICI Bank Credit Cards

I’ve used ICICI credit cards for years: started with an Amazon co-branded one because it made sense for my spending. I’m not a fan of chasing ten different reward programs. For me, credit cards should quietly support our needs: one for daily bills, and one for travel. 

What I appreciate about ICICI is its consistency. Sure, benefits have seen devaluations, but the overall reliability and digital experience remain top-notch. I’ve personally found their FD-backed card perfect for young professionals or small-town earners who might not have formal proof yet but want to start building credit.

If you’re choosing your first ICICI card, identify what problem it solves: fuel, groceries, online purchases: and go with that. Don’t pick glamour cards if you won’t reach their minimum spends. Start disciplined, pay on time, and the perks will automatically follow.