ICICI Credit Card Benefits & Features

ICICI bank is arguably one of the most reputed financial organizations when it comes to issuing a wide range of credit cards. The bank ensures that you get transparent statements and competitive rates at all times, whilst at an insignificant joining fee. Plus, when it comes to credit card benefits, each financial product from ICICI is loaded with targeted perks for the users.

 

As one of the most credible card issuers in the country, ICICI offers several options for prospective customers, with some cards focusing on travel-specific perks and others offering shopping-centric benefits. Regardless of the one you choose, the application process and approvals are quite quick and aimed at making life easier for the customer.  

While we shall be discussing the individual ICICI credit card features and benefits later in this discussion, here are the more generic aspects that one can feel good about:

• Usage-specific benefits, which include perks for travel, fuel usage, lifestyle-based purchases, entertainment-centric payments like movie tickets, and more

• Wide-range of choices as ICICI credit card benefits depend on the type of credit card you choose to go with, as per your credit profile

• Most cards issued by ICICI do not come with a significant joining fee

• Renewal fee waivers are allowed in case of a particular yearly transactional threshold is breached

• Quick approvals and minimal documentation

• Support for cash advance

• Auto-debit support is based on the payment chunk you need to shell out

• Credit period of up to 48 days

• Payment timeline of almost 18 days from the statement generation date

• Interactive interface for making quick and instant payments

• Option to get curated personal loans based on your credit card usage

• Ability to increase credit card limit

• Option to use the card for almost any sort of bill

• Seamless EMI conversion, at the banking interface

• Rewards points are credited for every transaction

• Credit protection facility to discourage misuse and theft

Now that we have covered the generic ICICI bank credit card benefits, it’s time to look at the individual ICICI credit card features to understand the offerings better.

‘Featured’ Credit Cards

ICICI bank offers highly functional credit cards in the ‘Featured’ category. Here are the detailed specifications, to consider

• Coral cards in this category offer movie ticket discounts, railway lounge access, and even domestic lounge access

• Platinum cards exhibit zero joining and renewals charges, whilst offering Payback point generation for redeeming the same in the future

• Rubyx cards offer lounge access, travel vouchers, and even movie ticket discounts

Amazon Pay Credit Cards

• 1 percent transactional cashback

• Up to 5 percent of shopping perks in the form of cashback for prime customers

• At least 15 percent of dining discount at partner diners

• 1 percent surcharge waiver at fuel pumps

• No annual fee

Emeralde Card

• The annual fee is set at Rs. 12,000 yearly

• Comes with complimentary golf lessons

• Free movie tickets

• Lowest possible interest on cash withdrawals

• Zero over-limit penalties

• Lounge access

• Accidental insurance benefits

MakeMyTrip Platinum

• Access to free MMTBLACK premium membership as a welcome benefit

• Free hotel voucher of up to Rs. 2000 from Lemon Tree

• Movie discounts and even free tickets

• Maximum dining discount of up to 20 percent at select diners

• Surcharge waivers on spending over Rs. 4000 to buy fuel at HPCL outlets

• Perfect for movie watchers

Diamant Card

• Premium, invite-only credit card

• Comes with a MacBook Air as the welcome gift

• Complimentary access to the Epicure Plus Taj membership

• Unlimited lounge access

• Option to procure 4 free movie tickets

• Additional charter facility

• Unlimited golf playing benefits

• Support for emergency transportation in case of medical issues

 

While there are several other ICICI credit cards available to be checked, we have only enlisted the best ones that cater to diverse income groups and come with several targeted benefits.

Enrolling for a credit card directly can be tricky as you might find it hard to ascertain preferences and take an informed call. At the Bajaj Markets, you can easily get the ball rolling by getting the flexibility to check credit card offerings from several banks at once.

 

Also, if you have made up your mind about going with the ICICI bank, Bajaj Markets lets you choose different options, depending on what your travel and shopping preferences are.