Best ICICI Bank Credit Cards

ICICI Credit Cards Credit Card Fees and Charges

Before you choose an ICICI Bank credit card, it is essential to understand the key costs associated with it. These charges affect how much you actually pay if you carry a balance, spend abroad, or miss a due date. The table below provides a quick overview of the typical ranges across most ICICI credit cards.

Parameter	Fees & Charges
Annual fees	₹0 to ₹20,000 plus GST.
Interest rates and finance charges	Finance charges on unpaid balances and cash advances are set at 3.75% per month, which is 45% per year.
Late payment fees	●     No fee if the total due is below ₹100 ●     ₹100 to ₹750 for dues between ₹100 and ₹10,000 ●     ₹900 to ₹1,300 when dues are above ₹10,000.
Foreign transaction fees	The standard foreign currency markup is 3.50% of the transaction amount on most cards, with a lower markup on a few premium variants.

Key Benefits of ICICI Credit Cards

ICICI Bank offers a wide range of credit cards, and most come with common benefits that make everyday spending easier. Here are the benefits you generally get across ICICI credit cards:

• Easy everyday payments: With an ICICI Bank credit card, you can pay for shopping, bills and in-store spending in a smooth, cash-free way. One card works across websites, apps and physical shops, so daily payments stay simple.
• Helps build your credit history: Using your card regularly and paying on time helps improve your credit score over time. A clear repayment track record on icici credit cards supports a stronger overall credit profile.
• Extra value on spending: Most cards give you rewards or discounts on routine transactions. You earn points or get offers almost every time you swipe or tap, so normal spending becomes more rewarding.
• Safe and controlled transactions: Card usage is backed by security features such as contactless tap-to-pay, scan-to-pay, and strong authentication. These tools reduce the risk of misuse and enhance the security of your payments.

ICICI Credit Cards Credit Card Eligibility Criteria

If you are planning to apply for an instant variant, there are a few basic checks around age and income that you need to meet. These rules are slightly different for salaried and self-employed people. The table below gives a simple view of the key eligibility points:

Criteria	Details
Minimum age	21 years
Applicant type	Salaried / Self-employed
Income (salaried)	₹2,40,000 per year
Income (self-employed)	₹3,60,000 per year (as per ITR)

Documents Required for ICICI Credit Card Application

When you start the ICICI Bank credit card application process, having your documents ready makes it faster and smoother. Most applicants are asked for a basic KYC set and income proof. Here are the usual documents you may need:

• KYC documents: Aadhaar Card, Passport, Voter ID or Driving Licence.
• Address proof: Recent utility bills (electricity, water, or gas), or documents such as a Passport or Aadhaar Card.
• Income proof: Latest salary slips or recent bank statement, depending on your profile.
• PAN details: PAN Card or Form 60 if you do not have a PAN.
• Photographs: Recent passport-sized pictures.
• Additional documents: For some card types, especially for self-employed profiles, the bank may also request documents such as a business registration certificate or financial statements.

How to Block / Unblock ICICI Credit Cards Credit Card

ICICI Bank credit cards can be blocked/unblocked in one place through the iMobile Pay app. You can track usage, view recent statements, and manage your card settings anytime from your phone.

Block Credit Card

If your card is lost or you suspect misuse, you can block it in a few steps:

• Log in to the iMobile Pay app using your mPIN or Internet Banking User ID and password.
• On the dashboard, tap “Cards & Forex” and select your ICICI Bank credit card.
• Scroll down and tap “Block Card”.
• Choose the card you want to block, select whether the block is Temporary or Permanent, pick the reason and tap “Proceed”.
• A confirmation message appears on the screen once the card is blocked.

Unblock Credit Card

If you placed a temporary block and later find your card, you can usually unblock it from the same card settings screen in iMobile Pay. Open Cards & Forex, select your card and use the controls to enable usage again, as long as the card has not been permanently blocked or replaced.

How to Choose the Right ICICI Credit Card?

Picking the right ICICI credit cards starts with looking at your own life first, not the offers. Think about what you spend the most on and how much you actually swipe in a month:

• Check your spending pattern: See if you spend more on travel, shopping, fuel, dining or daily bills. Choose a card that gives extra rewards where you spend the most.
• Compare fees and benefits: Look at the joining fee, the annual fee, and what you get in return, such as lounge access, discounts, or reward points. A higher fee only makes sense if you truly use the perks.
• Understand rewards and redemption: Check how points are earned and how they can be used, such as vouchers, bookings or cashback. Simple, easy redemption is always better.
• Look at your profile: Salaried and self-employed people may prefer different cards. Match income eligibility, credit score and required documents before you apply for an ICICI Bank credit.
• Check interest rate and service: Review the interest rate and assess how the bank handles support, app features, and statement clarity. A sound card should be easy to manage every day, not just exciting on paper.

Tips to Maximise ICICI Credit Cards Credit Card Rewards

Getting more value from your ICICI Bank credit card is easy when you know where to focus. Small habits can help you earn more points and save more on regular spending:

• Use your ICICI Bank credit card more in categories that offer higher rewards, such as dining, travel, fuel, or online shopping, depending on your card.
• Keep checking active offers on movies, flights, food delivery and big sale days so you swipe when extra discounts or cashback are live.
• Always try to pay the full amount due on time so interest and late fees do not eat into the rewards you earn.
• Get add-on cards for close family members so all can collect reward points in one place.
• Log in to iMobile Pay or Internet Banking often, check your points balance and redeem them before they expire.

Steps to Apply Online Through Urban Money

You can apply for an ICICI Bank Credit Card through Urban Money in just a few steps. Below is a short guide to help you navigate the ICICI Bank credit card application process smoothly.

• Go to the Urban Money website and open the Credit Cards section.
• Choose the best icici credit card or the variant you like from the ICICI Bank list.
• Click on the option to ICICI Bank credit card apply or “Apply Now”.
• Fill in basic details such as your name, mobile number, email ID, city, and income.
• Upload or keep ready documents such as PAN, Aadhaar, address proof and income proof.
• Submit the form so Urban Money can share your request with ICICI Bank.
• Wait for a call or message from the bank to complete verification and move your icici credit card application journey forward.