Credit Cards that are best suited for your needs

Here are the eligibility criteria for getting an instant Credit Card from ICICI Bank:

Minimum Age: 21 years

1. Choose the right card
   

   Different Credit Cards cater to different needs, so choosing the right card is essential. Consider factors such as the interest rate, annual fees, reward points, and cashback offers when selecting a card.

2. Understand the billing cycle
   

   The billing cycle is the period between two statement dates. It's essential to understand the billing cycle to avoid late payment charges and interest charges.

3. Pay your bills on time
   

   Late payments can negatively impact your credit score and result in late payment charges and interest charges.

4. Avoid maxing out your credit limit
   

   It's advisable not to use your entire credit limit. Using more than 30% of your credit limit can negatively impact your credit score.

5. Keep track of your expenses
   

   It's important to keep track of your expenses to avoid overspending and to pay your bills on time.

• Use your Credit Card from reliable and trusted merchants

• Set up alerts for transactions to detect any fraudulent activity

• Always check your Credit Card statement for any discrepancies

• Never save your card information on any websites

• Use strong, unique passwords and never share your Credit Card information with anyone

• Never use your Credit Card on public WiFis or unsecured transactions

• In case of fraud or theft, report the same at the earliest to avail the Card Protection Plan

Are you familiar with the charges applicable on your Credit Card transactions? Let’s find out more about the six common types of Credit Card charges:

To keep your Credit Card Account secure and to receive important updates, please ensure that your mobile number and e-mail ID are correctly updated.

• Receive instant alerts of any suspicious or unauthorised transactions that are carried out using your Credit Card
• Get real-time updates for all your transactions
• Updates on personalised offers, upgrades etc.
• Credit Information Companies (CICs)  shall send alerts through SMS/ email when your Credit Information Report (CIR) is accessed
• Receive alerts from the Bank whenever information regarding your existing account is reported by the Bank to the Credit Information Companies (CICs)

The main types of Credit Cards are Platinum, Coral, Rubyx, Sapphiro and Emeralde Credit Cards. You can learn more about several other Credit Cards for travel, lifestyle, shopping and more like Amazon Pay ICICI Bank Credit Card, MakeMyTrip ICICI Bank Credit Card, Adani One ICICI Bank Credit Card and Emirates Skywards Credit Card by exploring the ICICI Bank website.

You can apply for a Credit Card online by visiting the ICICI Bank website and selecting a Card that best suits your needs. Make sure to check the eligibility criteria. Fill in your details in the application form. You can also visit any ICICI Bank Branch in person, where a representative will help you throughout the process. Don't forget to have your documents like ID proof, address proof and income statements handy.

The top reasons to apply for an ICICI Bank Credit Card are:

• A wide variety of Credit Cards are available from ICICI Bank to suit your lifestyle
• Get exclusive deals and discounts on a variety of products and services throughout the year
• Take advantage of discounts, reward points and exclusive savings on dining, shopping, travel and more
• Be assured that all your transactions are secure, including everyday spends, online purchases, bill payments and more

You can increase your credit limit on the iMobile by navigating to the ‘Credit Card’ section for the limit increase option. In case of any queries, feel free to reach out to the Customer Care team at 1800 1080.

The minimum due is the smallest amount you need to pay by the due date to avoid late payment fees. It is calculated at around 5% of your total outstanding balance, plus any EMI instalments, interest, fees or overdue amounts. 

Yes. Paying only the minimum due amount will avoid penalties. However, it will lead to interest charges on the remaining balance.

To use your ICICI Bank Credit Card for in-store purchases, just swipe or tap your Card on the Card machine and enter your PIN.

Note: Always keep your Card secure and monitor transactions regularly.

You can pay your ICICI Bank Credit Card bill in multiple ways, including Internet Banking, the iMobile, Auto Debit, NEFT, UPI or by visiting any ICICI Bank Branch or ICICI Bank ATM.

You can find the due date of your ICICI Bank Credit Card on your monthly statement, in the iMobile, through Internet Banking or by contacting Customer Care at 1800 1080.

The lowest limit on a Credit Card varies depending on the card issuer. You need to contact the ICICI Bank Customer Service on 1800 1080 to know more.

To find your ICICI Bank Credit Card number online, log in to iMobile or Internet Banking and view your details.

You can experience seamless redemption of Rewards Points with ICICI Bank. First, log in to ICICI Bank Internet Banking or iMobile. In the rewards section, you can redeem your ICICI Bank Reward Points across multiple categories such as Electronics, Lifestyle, Luxury, Shopping & Travel.