ICICI Bank Credit Cards

You can choose from 8 credit cards from ICICI Bank on Bajaj Markets. These include lifetime-free cards with zero joining or annual fees and premium cards with a joining fee of up to ₹2,500. Based on your spending habits and needs, you can select the ideal credit card. 

Check the features and charges of these cards below:

Disclaimer: The fees and benefits mentioned may change as per the policies of the issuer. Check them before you apply.

The issuer’s rewards program is one of the most extensive in the country. You can earn reward points on daily, travel, and big-ticket purchases and redeem them easily on the app or website. All you need to do is log in through the iMobile app or into your credit card account via net banking. 

You can redeem points across categories, such as electronics, travel bookings, clothing, and more. Here are a few important points to know:

• A reward redemption fee of ₹99 + GST is applicable

• You do not need a minimum number of points to start redeeming rewards

• Each reward point is valued at ₹0.25, and 1 MakeMyTrip My Cash = ₹1

• Reward points are valid for 36 months from the day you earn them, and MyCash for 90 days

Established in 1955, ICICI Bank is a diversified financial services provider. As of December 2023, there were 16.48 million active credit cards from this issuer in India. They are a popular choice as they offer a range of personalised benefits and offers. 

In 2023, ICICI Bank reported that its collective credit card spends grew by 60% as compared to the previous year. Its extensive rewards program makes it an appealing choice for first-time and experienced users. MakeMyTrip, Manchester United, HPCL, Amazon, and Emirates are some of the companies it partners with to offer deals.

The eligibility terms for one credit card from ICICI Bank may differ from the other. Ensure that you check the terms for the specific card you plan to get. For the best chance of getting quick approval, check the general criteria set by the bank below. 

To qualify, you need to be:

• An Indian citizen 

• Aged between 21 and 65 years 

• Creditworthy, with a score of 750 and above

• Earning at least ₹20,000 a month if salaried 

• Earning at least ₹3 Lakhs a year if self-employed

Keeping the necessary documents on hand ensures you can apply seamlessly. The bank verifies these documents to approve your application and confirm your eligibility. Here is the general list of documents you may need to submit while applying: 

• Proof of Address:

  • Ration card

  • Passport 

  • Utility bills (not older than 3 months)

• Proof of Identity:

  • Aadhaar card

  • Driving Licence

  • PAN card

  • Voter’s ID

• Proof of Income:

  • Form 16 or audited financials for the last 2 years (if self-employed) 

  • 3 months bank statement

  • Salary slips (past 3 months)

  • ITR records

Applying online for any credit card offered by this bank is both simple and fast. On Bajaj Markets, you can not only check your eligibility, but compare cards and apply too. Here’s how you can apply in minutes:

1. Click on ‘Check Eligibility’ and add your phone number, date of birth, occupation, and other details

2. Enter the One-Time Password (OTP) sent to your mobile number

3. Verify the pre-filled details like your PAN card number, residential PIN code, email address, and income information

4. Apply for the card that suits your needs from the available options

5. Click on ‘Submit’ to complete your application

The exact charges you pay will depend on the card and your usage. Here are a few general charges you can expect to incur:

To raise a complaint or resolve an issue, contact ICICI Bank’s customer service:

• Customer Care Numbers: Call 1800 1080 (within India) and +91-22-33667777 (from overseas)

• Email: customer.care@icicibank.com

To start using your ICICI Bank Credit Card, you will need to activate it. You can do so by: 

• Setting a new PIN by logging in to your internet banking account 

• Generating a new PIN using the iMobile Pay App

If you decide to close your credit card account with this issuer, you can do so.

1. Keep in mind that closing your account means that you will not be able to use it for purchases in the future. 

2. Take the decision carefully, as this can impact your credit score and power to purchase. When you are ready to apply for a new card, you can compare various options on Bajaj Markets. 

3. Prior to closing your account, pay off all outstanding dues and redeem your points.

4. Next, submit your card account termination request via the specified communication channels. These include sending an email, visiting a bank branch, or calling customer care. 

5. The ICICI Bank Credit Card team will contact you within 3 working days to confirm your cancellation. Your request is usually processed in 7 working days. 

6. You will also be informed of the closure of your account by email or SMS, if you have provided this information.

If you do not pay the minimum amount due by the date specified in the statement, the issuer shall treat it as a default. In such a case, the issuer will send this information to credit bureaus like CIBIL. Once you settle the dues, the default report may be withdrawn.

The debt collection policy followed by ICICI Bank is based on fair treatment and dignity. You will be notified of your dues by various modes, including email, SMS, and post before a recovery agent contacts you.

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.