Best ICICI Bank Shopping Credit Card 2026

Key Highlights of the ICICI Bank Shopping Credit Card

How ICICI Bank Shopping Credit Card Helps You Save More on Shopping

The ICICI Bank Shopping Credit Card is designed to return value across your spend, not just one category. Savings show up through reward points, vouchers, fee waivers, and partner offers that quietly support both big and small purchases.

• Reward points on daily and big-ticket spends: Most regular purchases earn reward points, whether you are buying clothes, electronics, or booking a holiday. International spending earns at a higher rate than domestic spending, so overseas shopping grows your points faster.
• Welcome vouchers that offset early costs: When you pay the joining fee, you receive welcome vouchers from partner brands in shopping, travel, and lifestyle. If used wisely, these can cover a significant portion of what you spent to open the card.
• Milestone rewards on higher annual spends: Cross-defined annual spend levels, and you receive extra reward points. For someone who uses their ICICI Bank credit card for shopping throughout the year, these milestones quietly increase the total value.
• Fee waiver for consistent users: Hitting the ₹ 6,00,000 yearly spend threshold removes the annual fee. For a heavy spender, that waiver itself becomes part of the savings.
• Discounts and offers through partners: Movie offers, dining deals, and selected brand tie-ups give small but frequent benefits. When added to reward points, they help your overall shopping budget stretch further.

Benefits of ICICI Bank Shopping Credit Card

The ICICI Bank Shopping Credit Card combines rewards, lifestyle benefits, and partner offers to make everyday spending more rewarding. The mix suits someone who shops frequently and wants a steady stream of benefits without changing their routine too much.

• Reward points on regular and international spends
  You earn points on most domestic shopping transactions, and international purchases earn at a higher rate. These points collect quietly in the background and can be redeemed for vouchers, gadgets, accessories, travel options, or items from the ICICI rewards catalogue.
• Welcome benefits with real value
  After joining, you receive welcome vouchers from partner brands across shopping, food, cabs, travel, and lifestyle categories. Used early, they reduce the first-year cost of card ownership.
• Airport lounge access
  The card includes complimentary domestic and international lounge visits tied to basic spend conditions. This helps frequent travellers settle into a trip with added comfort.
• Entertainment and dining offers
  You get “buy one, get one” movie-ticket benefits on select platforms and dining offers from partner restaurants. These perks help if you enjoy weekend outings or occasional plans with friends and family.
• Fuel surcharge waiver
  A 1% fuel surcharge waiver applies to eligible fuel transactions within the notified range. While it is not a primary shopping benefit, it still reduces costs for regular drivers.
• Milestone rewards and annual fee waiver
  Consistent spending throughout the year helps you reach milestones that unlock additional reward points. If annual spending exceeds ₹ 6,00,000, the following year’s annual fee is waived, making the card more economical for long-term use.
• Lifestyle extras
  The card also includes privileges such as concierge services, golf benefits, and specific insurance coverage, designed for users who value comfort in their daily and travel routines.

Welcome & Joining Benefits for ICICI Bank Shopping Credit Card

The ICICI Bank Shopping Credit Card offers a set of welcome benefits that start working as soon as you join and pay the initial fee. These vouchers come from well-known partner brands across shopping, travel, food delivery, ridesharing, and lifestyle services, so they are easy to use in your first few months.

You receive partner-brand vouchers valued at more than the joining fee, helping offset the card’s upfront cost. These vouchers typically cover categories people use frequently, such as fashion, electronics, dining, entertainment, and travel bookings. If you shop online regularly or make a few planned purchases after getting the card, these welcome gifts can help recoup a portion of what you spent to open it.

Fees & Charges for ICICI Bank Shopping Credit Card

The ICICI Bank Shopping Credit Card has a premium fee structure that aligns with the benefits it offers across shopping, travel, and lifestyle. Understanding these charges helps you judge whether your yearly spending makes the card worthwhile.

• Joining fee
  The card comes with a joining fee of ₹ 6,500 plus GST, billed in the first year. This fee unlocks the welcome vouchers you receive after activation.
• Annual fee (renewal)
  From the second year onward, the card charges an annual fee of ₹3,500 plus GST. This is added to your yearly statement unless you qualify for the waiver.

Eligibility Criteria for ICICI Bank Shopping Credit Cards

To apply for the ICICI Bank Shopping Credit Card, you need to meet a few basic conditions that reflect your income, age, and credit profile. These requirements help the bank assess whether you can manage the card comfortably.

• Age requirement
  Primary applicants are generally expected to be at least 21 years old. Add-on cardholders can be younger, depending on the bank’s rules.
• Income level
  Since this is a premium shopping and lifestyle card, ICICI Bank typically looks for steady income to support regular monthly spending. The specific income figure is not publicly disclosed, but salaried and self-employed applicants must demonstrate stable earnings through approved documentation.
• Credit score
  A good credit score is essential. Applicants with strong repayment history and clean credit records are more likely to be approved. The bank may also review existing loans and credit card usage before making a decision.
• Residency
  You should be an Indian resident with a valid proof of address that matches your KYC details.
• Existing banking relationship (optional but helpful)
  Having an existing account or card with ICICI Bank can sometimes speed up verification, though it is not mandatory.

Documents Required for ICICI Bank Shopping Credit Cards

When you apply for the ICICI Bank Shopping Credit Card, the bank asks for standard documents that confirm your identity, address, and income. Keeping these ready makes the application move faster.

• Identity proof
  A PAN card is mandatory. Along with it, you can use Aadhaar, a passport, a voter ID, or a driving licence to confirm your identity.
• Address proof
  Aadhaar, a passport, a recent utility bill, or a registered rental agreement works as valid address proof. The address should match the details you enter in the application.
• Income proof
  Salaried applicants can provide recent salary slips or a Form 16. Self-employed applicants typically submit their most recent two income tax returns or audited financial statements, depending on the bank’s requirements.
• Photograph
  A recent passport-size photograph may be requested during verification if the bank is processing the application through an in-person or physical step.
• KYC verification
  ICICI Bank completes KYC through digital or physical checks. Online applications often finish faster if your PAN and Aadhaar are linked and active.

How to Apply for an ICICI Bank Shopping Credit Card through Urban Money

Applying for the ICICI Bank Shopping Credit Card through Urban Money is simple and convenient if you prefer to compare features before submitting your details. The platform lays out fees, benefits, and reward structures clearly so you can check everything in one place.

1. Visit the Urban Money website.
   Go to the credit cards section and look for shopping cards or search for the ICICI Bank option directly.
2. Open the card details page.
   Review the features, fees, welcome vouchers, and eligibility criteria. This helps you confirm whether the card aligns with your shopping behaviour.
3. Click on Apply Now
   Once you decide, tap the apply button next to the card name. This takes you to the short application form.
4. Fill in your basic information.
   Enter your name, mobile number, PAN, city, and any other details requested. Ensure the information matches your documents to avoid verification delays.
5. Submit and wait for verification.
   Urban Money forwards your application to ICICI Bank. The bank then reviews your income, credit history, and KYC records. If everything checks out, an executive will reach out with the next steps.