ICICI Bank Credit Cards
Explore ICICI Bank credit cards with comprehensive comparison of rewards, cashback, travel benefits, and annual fees. Choose the best ICICI card for your lifestyle.
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.