ICICI Credit Cards 2026 - All Cards, Eligibility & Charges

A search for ICICI credit cards often takes you to ten different pages showing four different lineups. ICICI Bank runs one of the largest catalogues in the country, and it keeps retiring cards while launching other cards with partners. All this can be definitely confusing.

Here is the full list of primary ICICI cards in 2026, along with the popular co-brands that you may find useful. The charges, the changes and the rewards are all listed separately for you to compare and find the most ideal card for yourself.

All ICICI Bank Credit Cards

Those are the primary cards that ICICI issues widely to its customers. Apart from these, ICICI offers several other co-branded partner cards built around specific ecosystems.

ICICI also offers the Emeralde Private Metal credit card, with a better effective reward rate compared to the standard Emeralde card. Available only by invitation through a relationship manager.

Considering getting an ICICI card? Compare it against every other issuer first →

ICICI Other Co-Branded Ecosystem Cards

These are some of the popular ICICI co-branded cards to look into if you’re already spending inside that partner ecosystem.

• ICICI Manchester United Signature. ₹2,499. 5 points per ₹100 on match days against 3 points on ordinary domestic spending. Two domestic lounge visits a quarter (subject to ₹75,000 quarterly spend). Highlight is the top-100 spender programme, which pays out a private Old Trafford stadium tour, a signed shirt and a match ticket.
• Chennai Super Kings ICICI. ₹500 fee. Pays 10 points per ₹100 on CSK match days against 2 points per ₹100 the rest of the year. Lounge access runs one visit a quarter on the ₹75,000 condition, and the match-day multiplier only fires on roughly 14 days a season.
• Adani One ICICI Platinum. ₹750 fee. Generous eight domestic lounge visits a year (gated at ₹75,000 quarterly spending). General spending earns between 0.25% and 0.75%. Worth holding if you fly through Adani-operated airports regularly.
• MakeMyTrip ICICI Signature. No annual fee, ₹2,500 joining fee. Four myCash per ₹200 on MakeMyTrip hotels, 2 per ₹200 on flights, with 8 domestic and 1 international lounge visit a year. Complimentary Priority Pass for a year.
• Emirates Skywards ICICI Rubyx. ₹1,000. The cheapest route into Emirates Skywards Miles. Earning on flight bookings and international spending, with one domestic lounge visit a quarter on the ₹75,000 condition. Miles redeem only within Skywards. For uncapped miles and unlimited lounge access, check ₹10,000 Emirates Skywards Emeralde.
• ICICI Parakram and Parakram Select. Both lifetime free, restricted to serving and retired defence personnel. Reward points at grocery stores and departmental stores (capped at 1,000 points a month).

ICICI issues variants of several of these co-brand cards. Each trades a higher fee for more lifestyle perks rather than a better earn rate on general spending.

You may come across several other cards during searches that are closed to new applicants. InterMiles Coral, Rubyx and Sapphiro stopped being sourced after the InterMiles programme wound down, ICICI Ferrari, Accelero and Diamant, too no longer accept applications.

Only considering ICICI? Compare it against every other issuer first →

ICICI Bank Credit Card Eligibility and Age Limit

Income is only half the decision. ICICI weighs your full bureau profile, your existing relationship with the bank, and your utilisation elsewhere. A salary account holder with ICICI often clears a card the published income bar says they can't.

ICICI is also the only major Indian issuer with a card built specifically for non-residents — the NRI Coral, secured against a ₹50,000 minimum deposit. We've covered the deposit-to-limit ratio and the unsecured ₹50 lakh relationship route in our guide to credit cards for NRIs in India.

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 Charges and Fees

The ₹99 redemption fee deserves more attention than it gets. On a card earning 2 points per ₹100 at ₹0.25 a point, you need roughly ₹20,000 of spending just to build a redemption worth ₹100. Pay the fee on every small redemption and the effective return on entry-level cards drop closer to zero.

The forex markup is where the premium cards earn their fee. Times Black at 1.49% and Emeralde at 2% are genuinely cheaper on international spends than the 3.5% the rest of the lineup charges.

ICICI Card Devaluations: What Changed

ICICI has cut something on this lineup in every one of the last three years, so the terms you signed up for are almost certainly not the terms you have.

The January 2026 round was the largest. From 15 January, ICICI added a 2% fee on online gaming , a 1% fee on third-party wallet loads of ₹5,000 or more, and a 1% fee on transport spends above ₹50,000. Rent payments already carried a 1% fee. These are transaction fees rather than reward exclusions.

From 1 February 2026, ICICI capped rewards on transportation and utility spends. Emeralde Private Metal holders earn points on up to ₹20,000 a month in those categories, while Platinum and Coral holders are capped at ₹10,000. Insurance spending earn at the existing rate up to ₹40,000 a month.

The lounge access change landed on 1 July 2026 and hit two card families that were previously exempt. MakeMyTrip ICICI and Adani One cardholders now need ₹75,000 of eligible spending in the preceding calendar quarter to keep complimentary lounge access. Only Times Black, Emeralde and Emeralde Private Metal still offer lounge access with no spend condition.

That ₹75,000 quarterly rule now covers most of the catalogue. Our full ICICI lounge access list has the per-card visit counts, and the Sapphiro lounge list and Coral lounge list cover those two cards specifically.

Our 2026 devaluation tracker covers the same pattern across other issuers, and the annual fee waiver guide helps if the renewal charge is what is bothering you.

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

Which ICICI Card Should You Get?

If most of your online spending goes through Amazon, the Amazon Pay ICICI card is the answer. It costs nothing, the 5% on Amazon.in for Prime members is uncapped, and the cashback lands as Amazon Pay balance. The catch worth knowing is that if your Prime membership lapses, the rate drops from 5% to 3%. Read our full breakdown of the best credit cards for online shopping in India if Flipkart is also in your mix.

If you're applying for your first card, ICICI Platinum Chip is the safe pick. The 0.5% return is modest, but it builds bureau history without ever charging you. Our list of lifetime free credit cards in India has the alternatives if you want a stronger free card.

If you want a card that feels personal, ICICI Bank Expressions is the one people search for. You choose the face design from over 175 options, you get ₹100 off two BookMyShow tickets a month, and the ₹499 renewal fee is waived at ₹1.5 lakh of annual spending. The 3 points per ₹100 on retail works out to about 0.75% back.

If you travel abroad two or three times a year, Sapphiro is a sensible premium pick. 4 points per ₹100 on international spends is double the domestic rate, the milestone structure pays 4,000 points at ₹4 lakh and 2,000 more for every ₹1 lakh after that, and the joining vouchers cover a chunk of the fee in year one.

The 3.5% forex markup still eats into the international advantage, so run the maths on your actual foreign spend before you assume the card pays for itself.

If your annual spending genuinely crosses ₹15 lakh, Emeralde makes sense because the fee waiver kicks in and you keep unlimited lounge access without any spend condition. Emeralde Private Metal is the stronger card, though, so ask your relationship manager whether an invite is on the table. ICICI Emeralde review from existing cardholders is worth reading before you apply.

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 — 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

FAQs about ICICI Bank Credit Cards

What is the ICICI Bank credit card list for 2026?

ICICI Bank has a varied card catalogue. It has several options, including lifetime free cards, such as Amazon Pay ICICI and Platinum Chip. Entry-level cards include HPCL Coral and Expressions. The mid-tier includes ICICI Rubyx, and the premium cards include Sapphiro. ICICI card lineup also has super-premium cards, such as Emeralde and Times Black.

What are the ICICI bank credit card types?

ICICI groups its cards into five practical types. Cashback cards such as Amazon Pay pay you back in rupee equivalents. Reward point cards earn ICICI Reward Points worth roughly ₹0.25 each. Co-branded cards tie you to one ecosystem. Premium lifestyle cards lead with lounge access and low forex markups. Secured cards issued against a fixed deposit sit outside all of that.

What is the ICICI Bank Expressions credit card?

The ICICI Bank Expressions Credit Card is an entry-level card that lets you personalise the card face from over 175 designs. It carries no joining fee and a ₹499 annual fee from year two (waived if you spend ₹1.5 lakh in the preceding year). You earn points on retail spends, get BookMyShow tickets, and domestic lounge visits.

What is the minimum salary for an ICICI credit card?

ICICI's published floor is ₹2.4L a year, which is ₹20K a month, for its lifetime free cards and entry co-brands. Mid-tier and premium cards expect around ₹50K-75K a month, and the super-premium tier ₹1.5-2L per month.

Which ICICI credit card is best?

For Amazon shoppers, the Amazon Pay ICICI card, without hesitation. For a first card, Platinum Chip. For HPCL drivers, HPCL Super Saver. For occasional international travel, Sapphiro. For high spenders clearing ₹15 lakh a year, Emeralde, because the fee gets waived and the lounge access carries no quarterly condition.

Do ICICI credit cards still give free lounge access?

Most of them require you to spend ₹75,000 in the preceding calendar quarter to qualify for lounge access in the next one. That rule now covers Coral, Rubyx, Sapphiro, Expressions and many other popular cards. Times Black, Emeralde and Emeralde Private Metal are the only ICICI cards left with unconditional lounge access.

Can I get an ICICI credit card without income proof?

Yes, through the ICICI Credit Card Against Fixed Deposit. You open an FD of ₹50,000 or more with auto-renewal enabled and receive a credit limit of up to 90% of the deposit. Your FD keeps earning interest while it sits as collateral. No salary slips, no ITR and no minimum CIBIL are required.

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.

This article is for informational purposes only and does not constitute financial advice. Eligibility criteria, fees and product features mentioned are accurate to the best of our knowledge as of August 2026, but they can change without notice at the issuer's discretion. Please read the latest Most Important Terms and Conditions (MITC) on the ICICI Bank website and consult a certified financial advisor before applying for any credit card.