Best ICICI Credit Card – Annual Fees, Types, Features & Review

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irctc credit card

ICICI is one of the leading private sector banks in India. ICICI is offering a wide range of credit cards with different features and annual fees. So, you got a plethora of options to choose from and it sometimes without a doubt becomes very difficult to choose one suiting your needs. So, how precisely should you select an ICICI credit card matching all your requirement and spending pattern? You can easily apply for any ICICI card as long as you meet the eligibility criteria. Let us discuss below the eligibility criteria and features of different ICICI bank credit cards.

ICICI Credit Card Eligibility Criteria

Age: In order to apply for an ICICI bank credit card the age of the applicant should be at least 21 years and it should not be more than 60 years.

Annual Salary: Credit card users get short-term credit. They are required to pay off their dues on the due date every month in order to avoid interest charges on it. Before issuing credit cards, banks check applicants repaying capacity. Commonly, banks issue a credit card to applicants if their annual income is more than 2.5 Lacs

Credit Score: A credit score is a measure to check an applicant’s creditworthiness. A high credit score increases your chances of getting a credit card and a lower credit score diminishes your chances of getting one. Usually, a credit score between 750-900 is considered good.

Employment: Applicants’ employment status significantly affects their odds of getting an ICICI bank credit card. Being in a regular job for a longer period of time improves your chances of getting a credit card as banks consider this fact you’ll be able to pay your dues on time. In case you don’t have any stable source of income then it will be difficult for you to get a credit card.

Different ICICI Bank Credit Cards and Features

ICICI Bank Rubyx Credit Card

ICICI Bank Rubyx credit card carries an annual fee of Rs. 2,000.  If you love to travel then card is best suited for you as you will earn payback points on your travel expenses done via ICICI Bank Rubyx Credit Card. This card offers you access to domestic as well as international airport lounges.

ICICI Bank Coral Contactless card

This credit card offers a host of benefits like payback points, discounts on dining, movie ticket benefits, and a special convenience fee waiver to its user. If you love to spend and are looking for rewards and multiple benefits in one card then this card is best suited to your spending pattern.

ICICI Platinum Chip credit card – VISA

ICICI bank’s Platinum Chip Credit Card carries no annual fees and offers a wide range of benefits to its users such as reward points on shopping, discounts on dining, and fuel surcharge waiver. This card is best for you if you are looking for a credit that fulfills all your basic needs and carries no annual fees. 

ICICI Bank Emerald Credit Card

This card is best suited for you if travel frequently and you are looking for a lifestyle wellness card. This card offers a host of benefits like discounts on movie tickets, domestic and international airport lounge access, dining discounts, fuel surcharge waiver, concierge services, and insurance benefits. With multiple benefits, this card is truly the perfect lifestyle card that will fulfill all your needs. This credit card carries an annual fee of Rs. 12000.

ICICI Bank HPCL credit card

If travel a lot via your scooter/ car and spend heavily on fuel every month then ICIC bank’s HPCL credit card is best for you. This card offers you reward points every time you spend on fuel. Besides exciting reward point fuel spending you’ll get benefits on dining out, the movie offers, and cashback offers.  This credit card carries a very small annual fee of RS. 199 only

Above given are some of the best credit cards in India options and you can choose the one that suits your interest. You can easily apply for an ICICI bank credit card online or by visiting the nearest bank branch.