Best ICICI Bank Rewards Credit Card 2026

What is the ICICI Bank Reward Credit Card?

The ICICI Bank Reward Credit Card range is ideal for regular credit card users who want to earn meaningful rewards on everyday spending, including shopping, dining, travel, fuel, entertainment, and online purchases. ICICI Bank offers a wide variety of cards, ranging from entry-level options such as the ICICI Bank Platinum Chip Credit Card and ICICI Bank Coral Credit Card to premium choices such as the ICICI Bank Rubyx Credit Card and ICICI Bank Sapphiro Credit Card. These cards allow users to earn reward points on eligible spends and redeem them for gift vouchers, merchandise, travel bookings, and other lifestyle benefits.

Key Benefits of ICICI Bank Reward Credit Card

ICICI Bank reward credit cards make everyday spending easier and offer rewards and secure payment options. Whether for daily needs, online shopping, or bills, these cards provide convenience and support your credit health. Key benefits include:

• Easy everyday payments: ICICI Bank credit cards make shopping, bill payments and in-store purchases quick and cash-free, whether you pay online or offline.
• Helps build your credit history: Regular card use and timely repayments help strengthen your credit score over time. Maintaining a good repayment record supports a reliable credit profile.
• Extra value on spending: Most ICICI reward cards offer points, cashback and special discounts on routine transactions. This makes everyday spending more rewarding.
• Safe and controlled transactions: Features such as contactless payments and robust security checks help protect against unauthorised transactions.

Who Should Apply for the ICICI Bank Reward Credit Card?

The ICICI Bank reward credit card is meant for regular use, not occasional or emergency spending. It offers the best value when used consistently for everyday purchases, allowing users to earn rewards and benefits over time. Here’s who should consider applying:

• People who spend regularly every month
• Online shoppers and digital users
• Salaried professionals with predictable expenses
• First-time reward card users
• Users looking for long-term value

Fees & Charges of ICICI Bank Reward Credit Card

ICICI Bank’s rewards credit cards have usage and repayment-based fees. While these charges vary by card variant, the overall fee structure is consistent. Here are the details for ICICI rewards cards:

Eligibility Criteria of ICICI Bank Reward Credit Card

ICICI rewards credit card eligibility is determined by age, income, and credit profile. While requirements vary by card, ICICI has standard criteria for most rewards cards. The following table summarises the general eligibility criteria:

Documents Required For ICICI Bank Reward Credit Card

To apply for the ICICI rewards credit card, you need to provide documents that verify your identity, address, and income. Preparing these documents in advance will expedite processing.

How to Earn an ICICI Bank Reward Credit Card

Earning reward points with your ICICI Bank reward credit card is simple and automatic. The more you use the card for eligible transactions, the more points you get. Most ICICI reward and cashback cards allow you to earn points on everyday spends and special categories like online shopping or dining. Common ways to earn reward points are as follows:

• Use your ICICI Bank credit card for regular purchases, such as shopping and paying bills, to earn reward points.
• Spend in special categories such as dining, travel, entertainment or groceries where your card gives higher point rates.
• Make purchases online through websites and apps to get extra reward points.
• Shop or pay at designated partner brands to earn bonus points on eligible transactions.
• Hit certain spending thresholds to unlock additional reward points.

Validity of ICICI Bank Reward Credit Card

Reward points earned on ICICI Bank credit cards are valid for a limited period from the date they are credited to your account. ICICI Bank reward points remain active for up to 36 months (3 years) from the month in which they were earned. If points are not redeemed within their validity period, they expire automatically and cannot be used or reinstated later. It is essential to check your points balance regularly via Internet Banking or the iMobile Pay app and plan redemptions before they expire.

How to Apply Online for an ICICI Bank Reward Credit Card through Urban Money?

Applying for an ICICI rewards credit card through Urban Money is quick, easy, and entirely online. The process is simple and lets you check eligibility and apply without visiting a branch.

• Go to the urbanmoney.com  website to start your application.
• Navigate to the Credit Cards section from the main menu.
• Choose ICICI Bank credit cards from the list of available banks.
• Select the reward or cashback ICICI Bank card that fits your spending style.
• Click “Apply Now” for the card you’ve selected.
• Enter basic personal details, including name, mobile number, city, and income.
• Submit the form to send your application.
• Follow any on-screen instructions to complete verification.
• Once complete, a representative from Urban Money will contact you to finalise your card issuance.

Check Your CIBIL Credit Score Now

Absolutely FREE!!

Check Now