ICICI Bank Credit Cards
Discover premium credit cards from ICICI Bank with tailored benefits for every lifestyle and spending pattern.
ICICI Bank Emeralde Credit Card
Annual Fee
₹12000
APR
23.88%
Joining Fee
₹12000
Cash Advance
0%
Why Choose This Card
The ICICI Bank Emeralde Credit Card is designed for high net-worth individuals seeking luxury and exclusivity. It offers unparalleled privileges across travel, dining, wellness, and entertainment, ensuring a premium experience tailored to your lifestyle.
Reward Benefits
Earn 4 reward points for every ₹100 spent on retail transactions, excluding fuel.
Earn 1 reward point for every ₹100 spent on insurance and utility payments.
Pros
- Unlimited complimentary domestic and international lounge access.
- Comprehensive insurance coverage, including ₹3 crore air accident insurance.
- Low foreign currency mark-up fee of 1.5%.
- No charges for cash withdrawals, late payments, or over-limit usage.
- 24x7 concierge service for personalized assistance.
Cons
- High annual fee, though waivable upon meeting spend criteria.
- Reward points accrual rate may be lower compared to some competitors.
ICICI Bank Sapphiro Credit Card
Annual Fee
₹3500
APR
40.8%
Joining Fee
₹6500
Cash Advance
2.5%
Why Choose This Card
The ICICI Bank Sapphiro Credit Card offers a blend of luxury and rewards, making it ideal for individuals seeking premium travel, dining, and entertainment experiences.
Reward Benefits
Earn 2 reward points for every ₹100 spent on domestic retail purchases, excluding fuel.
Earn 4 reward points for every ₹100 spent on international transactions.
Earn 1 reward point for every ₹100 spent on utilities and insurance payments.
Pros
- Complimentary domestic and international airport lounge access.
- Generous reward points on domestic and international spends.
- Complimentary golf rounds based on spending criteria.
- Buy-one-get-one-free offer on movie tickets.
- Annual fee waiver upon meeting spend criteria.
Cons
- High joining and annual fees.
- Specific eligibility criteria regarding income and location.
ICICI Bank Rubyx Credit Card
Annual Fee
₹2000
APR
40.8%
Joining Fee
₹3000
Cash Advance
2.5%
Why Choose This Card
The ICICI Bank Rubyx Credit Card offers a balanced mix of rewards and privileges across lifestyle, travel, and entertainment, making it suitable for individuals seeking premium benefits without a high annual fee.
Reward Benefits
Earn 2 reward points for every ₹100 spent on domestic retail purchases, excluding fuel.
Earn 4 reward points for every ₹100 spent on international transactions.
Earn 1 reward point for every ₹100 spent on utilities and insurance payments.
Pros
- Complimentary domestic airport lounge access.
- Reward points on domestic and international spends.
- Complimentary golf rounds based on spending criteria.
- Discounts on movie tickets.
- Annual fee waiver upon meeting spend criteria.
Cons
- Joining and annual fees apply.
- Specific eligibility criteria regarding income and age.
ICICI Bank Coral Credit Card
Annual Fee
₹500
APR
40.8%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
The ICICI Bank Coral Credit Card is tailored for individuals seeking a blend of rewards and lifestyle privileges at an affordable annual fee. It offers benefits across entertainment, dining, travel, and more, making everyday spending more rewarding.
Reward Benefits
Earn 2 reward points for every ₹100 spent on retail purchases, excluding fuel.
Earn 1 reward point for every ₹100 spent on utilities and insurance categories.
Under the Milestone Rewards program, get 2,000 reward points on spending ₹2,00,000 in an anniversary year, and 1,000 reward points for every additional ₹1,00,000 spent thereafter, up to a maximum of 10,000 reward points per year.
Pros
- Complimentary access to select airport and railway lounges in India.
- Discounts on movie tickets through BookMyShow and INOX.
- Earn reward points on everyday purchases.
- Dining discounts at participating restaurants.
- Fuel surcharge waiver at HPCL petrol pumps.
Cons
- Limited international travel benefits.
- Reward points have specific redemption options.
ICICI Bank Platinum Chip Credit Card
Annual Fee
₹0
APR
40.8%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
The ICICI Bank Platinum Chip Credit Card is ideal for individuals seeking a no-frills, lifetime free credit card that offers basic rewards and essential benefits, making it suitable for everyday use.
Reward Benefits
Earn 2 reward points for every ₹100 spent on retail purchases, excluding fuel.
Earn 1 reward point for every ₹100 spent on utilities and insurance categories.
Pros
- No joining or annual fees.
- Earn reward points on retail purchases.
- Fuel surcharge waiver at HPCL petrol pumps.
- Built-in contactless technology for quick and secure payments.
- Enhanced security with EMV chip protection.
Cons
- Limited premium benefits compared to higher-tier cards.
- Reward points have specific redemption options.
Amazon Pay ICICI Bank Credit Card
Annual Fee
₹0
APR
42%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals who frequently shop on Amazon.in and wish to earn cashback on their purchases without any fees.
Reward Benefits
5% cashback on Amazon.in purchases for Prime members.
3% cashback on Amazon.in purchases for non-Prime members.
2% cashback on Amazon Pay partner merchant transactions.
1% cashback on all other spends.
Pros
- No joining or annual fees.
- 5% cashback on Amazon.in for Amazon Prime members.
- 3% cashback on Amazon.in for non-Prime members.
- 2% cashback on transactions with Amazon Pay partner merchants.
- 1% cashback on all other transactions.
- No limit or expiry date on reward earnings.
Cons
- Cashback is credited as Amazon Pay balance, which can only be used on Amazon.in or with partner merchants.
- Limited travel and lifestyle benefits compared to other credit cards.
Annual Fee
₹199
APR
40.8%
Joining Fee
₹199
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals who frequently refuel at HPCL petrol pumps and seek to maximize savings on fuel expenses through cashback and surcharge waivers.
Reward Benefits
Earn 2 PAYBACK points for every ₹100 spent on retail purchases, excluding fuel.
Redeem 2,000 PAYBACK points for ₹500 worth of fuel at HPCL petrol pumps.
Pros
- 2.5% cashback on fuel purchases of ₹500 or more at HPCL petrol pumps when payment is made via the 'HPCL Pay' option on the ICICI Bank Merchant Services POS terminal.
- 1% fuel surcharge waiver on fuel transactions at HPCL pumps.
- 2 PAYBACK points for every ₹100 spent on retail purchases, excluding fuel.
- 25% discount (up to ₹100) on the purchase of at least two movie tickets per transaction through BookMyShow, limited to two transactions per month.
- Minimum 15% savings on dining bills at participating restaurants under the ICICI Bank Culinary Treats Programme.
Cons
- Cashback on fuel purchases is limited to transactions made through specific payment methods at HPCL pumps.
- Annual fee applicable from the second year onwards if spending criteria are not met.
- Limited benefits outside of fuel and select lifestyle categories.
MakeMyTrip ICICI Bank Signature Credit Card
Annual Fee
₹2500
APR
40.8%
Joining Fee
₹2500
Cash Advance
2.5%
Why Choose This Card
Ideal for frequent travelers who prefer booking through MakeMyTrip and wish to earn rewards and exclusive travel benefits.
Reward Benefits
Earn 10 My Cash per ₹100 spent on MakeMyTrip.
Earn 2.5 My Cash per ₹100 on online spends outside MakeMyTrip.
Earn 1.25 My Cash per ₹100 on other retail spends.
Pros
- Generous welcome benefits including My Cash and holiday vouchers.
- Complimentary MMTBLACK Exclusive membership.
- Earn up to 10 My Cash per ₹100 spent on MakeMyTrip.
- Milestone benefits with additional My Cash rewards.
- Complimentary railway lounge access.
Cons
- Annual fee of ₹2,500.
- Limited benefits for non-MakeMyTrip bookings.
- Complimentary airport spa access discontinued effective 15th November 2024.