Best ICICI Credit Cards | Their Features & Benefits.

ICICI Bank’s credit card categories come in various categories, from dining and movie cards to travel and retail cards. To process the reward points, the bank has introduced the special ICICI Rewards Programme. With so many credit cards in its portfolio, ICICI Bank offers the best credit cards for all price ranges, catering to various consumer sectors. Several of its credit cards have no annual fees therefore, if an ICICI Bank credit card is utilised carefully, it will be a wise choice for everyone.

For everyone, regardless of experience position or credit history, ICICI Bank provides a selection of well-known credit cards. These credit cards come in a variety of areas,  similar to prices, retail, entertainment, and trips. opting for the ideal credit card for your requirements could be delicate therefore, we curated the list of best ICICI credit card offers and benefits, get familiar with the offerings and make the best choice.

Best ICICI Bank Credit Cards:

With so numerous ICICI Bank credit cards available, it can be challenging for consumers to understand all the features and advantages that these cards have to offer. thus, to help you with this, we’ve collected a list of the best ICICI credit cards that are now offered in India. This will allow you to snappily review each card and apply for the one which suits your requirements in terms of features and benefits.

Table of Contents: Best ICICI Credit Cards.

1. AMAZON PAY ICICI Bank Credit Card
2. ICICI Bank CORAL Credit Card
3. ICICI Bank RUBYX Credit Card
4. ICICI Bank EMERALD Credit Card
5. ICICI Bank SAPPHIRE Credit Card

1. Amazon Pay ICICI Bank Credit Card:

Amazon Credit lately, ICICI Bank and Amazon India joined to produce the co-branded ICICI Bank Credit Card on the Visa payment network. It snappily rose to the top of the nation’s credit cards for online purchases after its preface. It’s presently regarded as one of the best credit cards available for Indian consumers, particularly Amazon buyers and high members.

It was an invite-only event at first, but it’s now available to everyone. The Amazon ICICI Credit Card is well-liked since it offers cashback in the form of Amazon Pay balance impulses.

Image Source: Amazon

WHAT AMAZON PAY ICICI CREDIT CARD HAS TO OFFER:

As previously stated, the Amazon Pay ICICI Credit Card is a co-branded credit card designed specifically to meet the demands of online buyers who enjoy making purchases on Amazon. Given that it is a co-branded credit card with Amazon, it does come with a high reward rate for Amazon purchases. You do not receive many extra bonuses with this credit card because it is a pretty basic credit card. Proceed to read our Amazon Pay ICICI Credit Card review for additional information:

• As part of ICICI Bank’s Culinary Treats programme, this card saves you at least 15% when paying your bills at all participating restaurants.
• At every petrol station in India, receive a 1% fuel fee waiver (as long as the total transaction value stays under Rs. 4,000).
• For shopaholic Amazon aficionados, especially those who are Prime members, the ICICI Amazon Pay Credit Card is without a doubt the most appropriate and indispensable. It goes without saying that if you adore Amazon, you have a Prime membership! Anyway, Amazon Prime subscribers enjoy even more benefits from this card.
• With a few exclusions, Prime members receive 5% cashback on all purchases made on Amazon India (amazon. in).
• On Amazon, non-Prime customers will receive 3% cashback rather than 5%, with the same exclusions that apply to Prime customers.
• Also, you admit 2 cashback when you use a credit card with Amazon Pay to make purchases from further than 100 mate stores. Only if you use the Amazon Pay option on the mate trafficker’s website will you admit 2 cashback; otherwise, you’ll only admit 1 cashback.
• All other card transactions—both online and offline—will earn you 1% cashback, except for gasoline station expenditures.
• Instead of earning 5% cashback, Amazon. only offers 2% cashback on e-books, flight reservations, gift cards, utility bill payments, loading Amazon Pay balances, DTH, and cellphone recharges.
• EMI and gold purchases made on Amazon do not accrue reward points or rewards.
• After each billing cycle, the Reward Points that you have accrued on your Amazon Pay Bank ICICI Credit Card are automatically applied to your Amazon Pay balance on the Amazon account that is connected to the card.
• When using the Amazon Pay wallet to make purchases on Amazon and with any merchant, one reward point is equal to one rupee.
• Your Amazon Pay balance can be used to make purchases on Amazon or at any of the affiliated retailers that take Amazon Pay as a form of payment.

For anyone who enjoys shopping online, especially on Amazon, and has a Prime membership, there is arguably no better credit card choice available because it offers up to 5% cashback on all purchases made from Amazon India. It is among the greatest credit cards available in India because it is a lifetime-free credit card with a plethora of special benefits. The fact that the reward points are cashback that is applied to your Amazon Pay balance and have an endless validity is another feature that adds to the uniqueness and profitability of this credit card.

2. ICICI Bank Coral Credit Card:

Image Source: ICICI Bank

Guests who use the ICICI Coral Credit Card from ICICI Bank can take advantage of special abatements and benefits related to dining, entertainment, and trips. You can elect any one of the three Coral credit card options — Visa, Mastercard, or American Express — depending on your preferences. With this card, you can get up to two price points for every Rs. 100 purchase. These points can be redeemed for a variety of orders and goods. also, the Coral credit card offers a monthly corner programme that can earn up to 10,000  fresh price Points.

WHAT ICICI BANK CORAL CREDIT CARD HAS TO OFFER-

One of the most straightforward and well-liked ICICI Bank credit cards is the Coral credit card. It has excellent advantages in other categories, such as travel and fuel, and a respectable reward rate. Below is a list of the ICICI Bank Coral Card’s features and advantages:

• After spending Rs. 2 lacs, you receive 2,000 reward points; additionally, you will receive 1,000 bonus reward points if you reach the Rs. 1,00,000 threshold within the next anniversary year. You are only able to accrue a maximum of 10,000 bonus points annually.
• When you use your ICICI Bank Coral credit card to spend Rs. 5000 in the preceding calendar quarter, you can receive one complimentary pass to the airport lounge each quarter.
• One complimentary visit every quarter to Indian train lounges is offered.
• Through their Culinary Treats Programme, ICICI Bank can provide you with exclusive deals at nearby partner restaurants. The card entitles you to a 15% or greater meal bill discount at over 2,500 upscale establishments, such as TGI Fridays, Vaango, Mainland China, Pizza Hut, and Café Coffee Day.
• 25% off or Rs. 100 off, whichever is less, when you purchase a minimum of two movie tickets on INOX and BookMyShow.
• Only twice a month is this deal valid, and it depends on seat availability.
• Spending at least Rs 1.5 lacs in the preceding year entitles one to a waiver of the renewal charge of Rs 500.
• A reward point is worth Rs 0.25, and you can exchange reward points for money or gifts.
• Call customer service at 080-4014-6444 to redeem points for cash.
• For redemption with cash, please give us a call at 1860-258-5000.

If you’re an extrovert who enjoys blowing money on food and films, the ICICI Bank Coral Credit Card could be the best option for you. If the offer is used twice a month with this card, you can potentially save up to Rs 2,400 on cinema tickets, presuming the price of a ticket is Rs 400. Additionally, you can receive cash incentives of up to Rs 1,425 when you spend Rs 3 Lacs annually. In addition, the card is more advantageous than the ICICI Platinum Credit Card because it provides lounge access. Using an ICICI Coral credit card might help you make regular spending savings.

Top Coupons on Best ICICI Credit Cards: Get Coupons

3. ICICI Bank RUBYX Credit Card:

Image Source: ICICI Bank

The first dual platinum credit card in India, the ICICI Bank Rubyx Credit Card, seeks to offer advantages to its users in several categories. American Express, MasterCard, and Visa are the three available options. But at the moment, the bank only offers the ICICI Bank Rubyx Visa Credit card. The card has a 3,000 rupee membership fee and offers gift cards for shopping and vacation worth at least Rs. 5,000 as a welcome bonus. Almost all of your domestic and foreign purchases with this card earn you ICICI Reward Points, formerly known as Payback Points, which you can quickly exchange for cash or presents of your choosing. For every Rs. 100 you spend, you can accrue up to 4 Reward Points.

As a well-known ICICI credit card, it also offers you fantastic lifestyle perks like exclusive dining discounts and a 25% discount on movie tickets on BookMyShow & Inox. To make your travels more comfortable, you also receive quarterly access to airport and train lounges. With this card, users can save a great deal of money since, in addition to all these perks, you can get your card’s renewal cost erased, depending on how much you spend on it during your anniversary year. Proceed to learn more about the ICICI Rubyx Credit Card.

Also Read: BEST CASHBACK CREDIT CARDS IN INDIA 2024

WHAT ICICI BANK RUBYX CREDIT CARD HAS TO OFFER-

The bank offers a special credit card with amazing features and rewards called the ICICI Rubyx Credit Card. You receive amazing welcome gifts with the card, making a fantastic start to your journey. The card offers numerous other benefits, such as a reward programme, travel, movies and eating, milestones, and many more. Please refer to the details provided below to learn about all of its advantages in detail:

• Travel and retail coupons with a minimum value of Rs. 5,000 as a welcome present.
• Within 30 days following the joining fee payment, you receive the welcome gift
• After spending Rs. 3 lakhs, you receive 3,000 Reward Points, and for each additional Rs. 1 lakh spent during the anniversary year, you receive 1,500 Reward Points.
• As a Milestone perk, an additional 15,000 Reward Points may be earned annually.
• When you spend at least Rs. 3 lakh in the preceding year, you don’t have to pay the renewal cost.
• Every quarter, you can receive two complimentary passes to domestic lounges when you use the ICICI Bank Rubyx Visa Credit Card.
• Every quarter, you get two complimentary passes to the railway lounge.
• With a minimum purchase of RS. 5,000 in the preceding quarter, you can receive one complimentary domestic airport lounge pass every quarter with each of the two variants—one with the MasterCard variant and one with the American Express variant, for a total of two domestic airport lounge passes per quarter.
• Take advantage of a 25% discount (up to Rs. 150) when you buy two or more movie tickets on BookMyShow at least twice a month (once for Mastercard and once for American Express).
• Take advantage of a 25% discount (up to Rs. 150) when you buy a minimum of two movie tickets on INOX at least twice a month (once for American Express and once for Mastercard variation).
• ICICI Bank Culinary Treats Programme partners are offering exciting discounts on dining bills.
• You have zero liability protection from the ICICI Bank for your ICICI Rubyx Credit Card. This means that once you notify the bank about the loss of the card, you aren’t liable for any fraudulent or unauthorised deals performed using the lost or stolen card.
• You can obtain help with hotel reservations, airline ticket bookings, movie ticket bookings, restaurant recommendations and table reservations, car rentals, flower and gift deliveries, and other matters by using ICICI Bank’s round-the-clock concierge service, i-Assist. In addition, the ICICI Rubyx Card comes with emergency auto assistance and medical concierge capabilities.

The ICICI Bank Rubyx Card is an excellent credit card that offers its users exceptional reward programmes and all the other benefits they might want, in addition to being the first dual platinum credit card in India. You can have complimentary admission to both railway and airport lounges, so whether you choose to travel by train or by air, you will always have an opulent experience. Additionally, you can exchange your Reward Points for gifts or cash. Consequently, you can utilise them anywhere. With so many amazing features, the ICICI Bank Rubyx Card emerges as a fantastic option for anyone searching for a good credit card at a reasonable price.

4. ICICI Bank EMERALD Credit Card:

Image Source: ICICI Bank

The ICICI Bank Emerald Credit Card is one of the bank’s most upscale products and is a strong rival to the HDFC Infinia credit card. ICICI is targeting high net worth individuals (HNIs) with this card who don’t want to give up their lifestyle and frequently travel for business.

The ICICI Bank Emerald Credit Card comes with exclusive benefits like a personal air accident insurance cover of Rs. 3 crores, unlimited complimentary airport lounge access to both domestic and international terminals, and a round-the-clock concierge service that helps with reservations for hotels, restaurants, flights, and car rentals.

The Emerald Credit Card was previously available from ICICI Bank in two versions: an American Express and a MasterCard version. However, the bank has also recently introduced the card on the Visa platform, although new customers cannot currently be onboarded using any of these payment networks.

The ability to select between two membership plans—the monthly plan, which requires cardholders to pay a monthly charge of Rs. 1,000, and the annual plan, which has an annual membership fee of Rs. 12,000—is one of the special features of the ICICI Bank Emeralde Credit Card.

WHAT ICICI BANK EMERALDE CREDIT CARD HAS TO OFFER-

One of ICICI Bank’s most exclusive credit cards, the Emeralde is only given to a restricted group of clients who meet certain requirements, including having a high income and a positive bank connection. It offers several alluring perks in several categories, including travel, insurance, rewards, and many more. Please review the following details to gain a thorough understanding of the card’s features and benefits:

• If Rs. 1,00,000 was spent in the preceding month, there is no monthly renewal cost.
• waived annual renewal cost after spending Rs. 15,00,000 during the year of the card’s anniversary. If the spending threshold is met within the first anniversary year, the joining charge is reimbursed.
• free lounge access at domestic and international airports through the Dreamfolks membership programme and the AmEx/MasterCard/Visa lounge programme.
• Dreamflolks membership offers unlimited free access to domestic airport spas.
• Plans for air travel insurance that include a Rs. 3 crore personal accident (air accidental death) benefit.
• 5% is the little currency markup fee for foreign transactions.
• There are no cancellation fees on reservations for hotels or flights (up to Rs. 12,000) for a maximum of two transactions annually.
• With the ICICI Credit Card offers, you can enjoy unrestricted free access to lounges at several domestic and international airports worldwide.
• With your Emeralde Credit Card, you can access domestic airport lounges for free, with no limits, through the Visa, Mastercard, and American Express lounge access programme.
• The list of domestic lounges is available here.
• With a free Dreamfloks lounge access programme membership valued at USD 99, the ICICI Emeralde Credit Card grants you unrestricted access to partner airport lounges. The Dreamfolks membership gives you access to partner spas at specific airports as well.
• With more than 1,000 partner lounges spread across 115 countries, Dreamfolks is the largest airport lounge access programme in the world.
• The list of airport lounges that are free to enter with a Dreamfolks lounge access programme membership can be found here.
• Only the primary cardholder is entitled to a complimentary admission to the lounge. To enter the lounge, any accompanying guests—including add-on cardholders—must pay.
• using Golftipz, you can receive a complimentary round of golf or lessons every month for every Rs. 50,000 spent using the card during the preceding month.
• You can reserve a maximum of 4 rounds of golf in a given month.
• To schedule a free round of golf and take advantage of the golf bonus, you must first register your Emeralde Credit Card on the Golftripz website.
• Only after the 10th of the next month is the free round of golf for that particular month displayed on the Golftripz portal.
• Once the free golf game is accessible in your Golftripz account, you can play it whenever you’d like over the following two months.
• On BookMyShow, get up to Rs. 750 off your second ticket for films or events (maximum 4 tickets per month).
• Save up to Rs. 750 on your second movie or non-movie ticket on BookMyShow, with a limit of four tickets each month.
• Under the Culinary Treats programme, diners at renowned restaurants receive a minimum of 15% off their dining bills.
• When booking cinema tickets, there are no cancellation fees (up to a maximum benefit of Rs. 12,000 annually).

Considering all of the advantages of this card, it can be concluded that it is among the best in the premium category and presents a serious threat to cards such as the Standard Chartered Ultimate card and HDFC Infinia. With a few extra benefits like a Tata CliQ certificate worth Rs. 5,000 per year on your birthday, 15% off an Anytime Fitness gym membership, and free in-flight and airport wifi, the American Express version of the card undoubtedly has an advantage. Even so, it’s a terrific offer for wealthy businesspeople who travel abroad for work regularly.

5. ICICI Bank SAPPHIRE Credit Card:

Image Source: ICICI Bank

The ICICI Emeralde Credit Card is the bank’s most prestigious card, with the ICICI Bank Sapphiro Credit Card coming in second. For an annual charge of Rs. 6,500, you can enjoy several benefits, alluring promotions, and intuitive features with the Sapphiro. There are three versions of the card available: the Mastercard version, the ICICI Bank Sapphiro Visa Credit Card, and the ICICI Bank Sapphiro AmEx Credit Card. But at the moment, only the Visa version is being distributed. The card is ideal for those who want to have the most savings potential, access to entertainment incentives, and many other perks, in addition to frequent travellers.

With this card, ICICI Bank hopes to give you an excellent launch to your adventure by offering exceptional welcome gratuities that are worth further than the class cost. nearly every purchase you make with your ICICI credit card earns you prices. Throughout history, the bank awarded cards with vengeance Points;  still, as of right now, the ICICI prices programme has taken the place of the Payback Programme, and cardholders will now admit ICICI Price Points. You’ll save plutocrats every time you spend, whether it’s on original or transnational trips,  mileage bill payments, petrol purchases, or anything different. You need to be apprehensive of the numerous fascinating features available on the Sapphiro credit card. Continue reading to learn  further about the card in detail

WHAT ICICI BANK SAPPHIRO CREDIT CARD HAS TO OFFER-

There are numerous perks associated with the ICICI Bank Sapphiro Credit Card in several categories, including reward programmes, travel, access to airport lounges, eating, entertainment, and much more. Look over the details supplied below to gain a thorough understanding of all its advantages:

• As a welcome bonus, you receive gift cards or enrollment in a loyalty programme within 45 days of your Card membership being activated. The ICICI Emeralde Credit Card’s membership advantages are outlined in the following table:
• In addition, if you spend at least Rs. 20,000 within 60 days of the card’s issuance, you can receive a payback of Rs. 750 with the American Express version of the card.
• Spending Rs. 4 lakhs with your ICICI Bank Sapphiro Card earns you 4,000 Reward points during your anniversary year. After that, you receive 2,000 RPs for each Rs. 1 lakh you spend with your card. Under the Milestone Reward Programme, a maximum of 20,000 Points may be earned per anniversary year.
• You can enjoy free visits to both domestic and international airport lounges through the Visa/MasterCard/American Express and Dreamfolks lounge access programmes if you have the ICICI Bank Sapphiro Credit Card.
• With your ICICI Bank Sapphiro Credit Card, you are eligible for the Visa/MasterCard/AmEx lounge access programme, which grants you four complimentary passes to specific partner domestic airport lounges.
• The benefit of four complimentary domestic lounge visits is only available if you were able to spend Rs. 5,000 with the card during the previous quarter.
• The list of partner airport lounges in India is available here.
• With a complimentary Dreamfolks lounge access programme membership valued at USD 99, you receive 2 complimentary international lounge access per year at partner lounges throughout the world in addition to 2 complementary spa sessions at specific airports.
• Only the principal cardholder is eligible for complimentary visits to the lounge. All accompanying guests, even those with add-on cards, are required to make payment.
• The Dreamfolks lounge access programme partner lounge list is available here.
• Every time you purchase a ticket via BookMyShow, you will receive a free movie ticket.
• The gratis movie ticket offer is limited to two uses per month and must not exceed Rs. 500.
• You may indulge in your favourite treats with the ICICI Bank Sapphiro Credit Card and take advantage of exclusive deals and bonuses with the ICICI Bank Culinary Treats Programme.
• With the ICICI Bank Sapphiro Credit Card, you can get one free round of golf or lesson at some of the best golf courses in the nation for every Rs. 50,000 you spend in the quarter before. Golftripz is the provider of this golf advantage.
• In any given quarter, up to four complimentary golf outings or lessons may be used.
• To take advantage of the golf incentive, cardholders must register their credit cards on the Golftripz official website.
• Zero liability protection against lost or stolen cards is offered by ICICI Bank to its clients, but only if the bank is informed within the allotted time. It means that if you promptly report your missing card to ICICI Bank, you will not be held accountable for any fraudulent transactions done on it.

The ICICI Bank Sapphiro Card, one of the bank’s most luxurious offerings, is unquestionably a noteworthy option for people who value having a credit card with several perks across several categories, such as reward offers, travel, entertainment, eating, etc. You get rewarded for all of your domestic and foreign purchases made with this card; the AmEx version offers 50% more rewards than the Mastercard version. Additionally, you may savour your favourite foods with the ICICI Bank Sapphiro Credit Card’s exclusive offers and advantages, which include a 15% bill savings through the ICICI Culinary Treats Programme at more than 2,500 restaurants across India.

Summary

One of the biggest banks in India’s private sector, ICICI Bank was the country’s first to use internet banking. ICICI Bank offers some excellent credit cards to its guests and holds a sizable portion of the Indian credit card request. Whether it’s the luxe ICICI Bank Emeralde Credit Card, which has fantastic boons, or the Amazon ICICI Bank Credit Card, which gives excellent cashback.