ICICI Credit Card Eligibility Criteria
ICICI offers a long list of credit cards, covering your diverse needs. The cards offered by the bank, belong to different categories such as travel, fuel, shopping, sports, lifestyle, rewards, etc. Thus, for everyone, there is one card, meeting his/her needs. But before you apply for an ICICI credit card online, it is important for you to know their eligibility. The bank matches the eligibility of an applicant first and then gives approval to the credit card application. So, before applying, do check your eligibility and stay away from the credit card rejection.
ICICI Credit Cards Eligibility
| Card Name | Fee & Charges | Welcome Benefits | Features & Rewards | Eligibility |
| ICICI Bank Platinum Chip Credit Card | Joining Fee: NilAnnual Fee: Nil | On a total expenditure of Rs. 50,000 and above, the annual fee of the subsequent year would be waived√off | √2 PAYBACK Points on every Rs.100 spent for all retail purchases except fuel. √1 PAYBACK Point on every Rs. 100 spent on utilities and insurance categories. √1% fuel surcharge waiver can be availed on fuel transactions of maximum Rs. 4,000 at HPCL pumps. √Save a minimum of 15% on your dining bill at over 2,500 participating restaurants spread across 12 major cities. √Wine, dine and unwind with great offers from luxury hotels, restaurants, lifestyle stores, spas. | The age of an applicant should be between 23-60 Years Note: The add-on age limit is 15 years. Minimum Monthly Income: As per the bank’s norms. |
| ICICI Sapphiro Credit Card | Joining Fee: Rs.6,500+GST Annual Fee: Rs.3,500+GST | Vouchers on Shopping and Travel worth Rs 10,000 on payment of joining fee | √4 complimentary domestic airport lounge visits per quarter. √2 complimentary international airport lounge visits per calendar year and 2 complimentary domestic airport spa visits per calendar year. √Up to 4 complimentary rounds of golf every month at the golf course of your choice. √Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month. √Minimum 15% savings on dining bills at over 2,500+ restaurants across India. √1% fuel surcharge waived off on fuel transactions at any fuel outlet. | The age of an applicant should be between:23√60 Years Note: The add-on age limit is 15 years. Minimum Monthly Income: As per the bank’s norms. |
| ICICI Rubyx Credit Card | Joining Fee: Rs.3,000+GST Annual Fee: Rs.2,000+GST | Vouchers worth Rs.500 on joining | √2X Points on all international transactions on your card. √Earn up to 15,000 PAYBACK Points every anniversary year. √2 complimentary movie tickets every month under the Buy 1 Get 1 offer. √2 complimentary domestic airport lounge visits per quarter. √2 complimentary domestic railway lounge visits per quarter. √Minimum 15% savings on dining bills at over 2,500+ restaurants across India. √1 PAYBACK Point on every Rs. 100 spent on utilities and insurance categories. √Waiver of 1% fuel surcharge on Rs 5,000 spent every month on fuel. | The age of an applicant should be between:23√60 Years Note: The add-on age limit is 15 years. Minimum Monthly Income: As per bank’s norms. |
| ICICI Coral Credit Card | Joining Fee: Rs.500+GST Annual Fee: Rs.500+GST | Earn up to 10,000 PAYBACK Points from ICICI Bank Rewards every anniversary year | √Buy 1 ticket and get the other ticket free any day of the week. √Get up to 2 free tickets per month valued at up to Rs.250 per ticket. √Save a minimum of 15% on your dining bill at over 2,500 participating restaurants spread across 12 major cities. √1 complimentary domestic airport lounge visit and 1 complimentary railway lounge visit per quarter. √Waiver of 1% on fuel surcharge every time you refuel. | The age of an applicant should be between:18-60 Years Note: The add-on age limit is 15 years. Minimum Monthly Income: As per the bank’s norms. |
| MakeMyTrip ICICI Signature Credit Card | Joining Fee: Rs.2,500+GST Annual Fee: Rs.NIL | √Enjoy benefits worth up to Rs.70,000 √Get Rs 1,500 My Cash plus MMTDOUBLEBLACK and MMT BLACK enrolment, plus Lemon Tree Hotels voucher worth Rs 2,500 | √Save up to Rs 1,600 on domestic flight bookings at MakeMyTrip. √Up to 20% instant discount on international flight & hotel bookings with MakeMyTrip. √Complimentary international and domestic airport lounge access. √Every sixth ride with Ola would be complementary | The age of an applicant should be between 23-60 Years Note: The add-on age limit is 15 years. Minimum Monthly Income: As per the bank’s norms. |
| MakeMyTrip ICICI Platinum Credit Card | Joining Fee: Rs.500+GST Annual Fee: Rs.NIL | √Rs 500 My Cash plus a complimentary voucher for MMT BLACK membership plus Lemon Tree Hotels voucher worth Rs 2000 on joining. √Benefits worth up to Rs 20,000 | √Save up to Rs 1,600 on domestic flight bookings at MakeMyTrip. √Up to 20% instant discount on international flight & hotel bookings with MakeMyTrip. √Enjoy complimentary domestic airport and railway lounge access. √Spend Rs 2.5 lakh and earn Rs 1,000 My Cash each anniversary year | The age of an applicant should be between 23-60 Years Note: The add-on age limit is 15 years. Minimum Monthly Income: As per the bank’s norms. |
| ICICI MANCHESTER UNITED PLATINUM | Joining Fee: Rs.500+GST Annual Fee: Rs.500+GST | Manchester United Branded Football on activation | √Manchester United T-shirt would be provided to top 70 spenders every month. √2 reward points each on domestic and international transactions. √3 reward points on spend made on the match days of Manchester United. √Get 2 complimentary movie tickets every month up to ₹250 per ticket at BookMyShow as part of Buy One, Get One offer. √Enjoy 15% savings on dining at more than 2,500 restaurants across India. √ 1% surcharge waiver on refilling the vehicle. √1 complimentary access to domestic airport lounges in India per quarter. √10% discount on merchandise from the Manchester United online store | The age of an applicant should be between 23-60 Years Note: The add-on age limit is 15 years. Minimum Monthly Income: As per the bank’s norms. |
| ICICI MANCHESTER UNITED SIGNATURE | Joining Fee: Rs.2,499+GST Annual Fee: Rs.2,499+GS | Manchester United Branded holdall and football | √Top 100 spenders to be given a Manchester United branded t√shirt every month. √Top 18 spenders, can get a private tour of the Manchester United stadium and museum, and a trip to the Manchester United Megastore at the stadium. √ 2 complimentary access to domestic airport lounges each quarter in India. √2 complimentary movie tickets every month as part of Buy 1, Get 1 Free at BookMyShow. √15% discount at more than 2,500 restaurants across India. √1% fuel surcharge waived on refilling your vehicle at all HPCL petrol pumps. √10% discount on merchandise from the Manchester United online store | The age of an applicant should be between:23√60 Years Note: The add-on age limit is 15 years. Minimum Monthly Income: As per bank’s norms. |
How to Apply for ICICI Credit Card ?
Online mode is the best way for an ICICI credit card apply. The process is quite simple and quick, hence is preferred by many. It starts by sending an online application and then receiving the related quotes, based on the eligibility. The process then includes submitting a few KYC documents, which is then followed by instant approval and dispatch of a credit card. In just a few easy steps, you would be able to get the credit card of your choice online.
ICICI Bank Credit Card Eligibility
Both salaried and self-employed are eligible to apply for ICICI credit cards on meeting the following conditions.
- The applicant must be a citizen of India
- The minimum age at the time of application must not be less than 23 years
- The salaried individual must earn a minimum monthly salary of Rs.20,000
- Self-employed must have a minimum annual turnover of Rs.3,00,000
- The applicant must not have defaulted on payments w.r.t ongoing credits or the past ones
Documents Required ICICI Credit Card
- ID Proof and Address Proof
- PAN Card
- ITR or salary slip of the last 2 months
- Passport sized photograph
ICICI Credit Card Limit
If it is important to grab reward points, discounts, cashback and other exciting offers, it is also important to get a greater credit limit at the same time. It’s not clear as to how much a limit you can get. But one thing for sure, the limit would mainly depend on your income, credit score and repayment potential. A greater limit must not make you go haywire spending on the card and put you off financially when it comes to paying dues. A significantly higher utilization could cause a default from your end. So purchase carefully and keep the bills under control. At the same time, don’t be so restrained on spending that the credit history does not build for you. A good credit history with an ICICI Bank Credit Card can make it easy for you to access credit cards and other lending products in the future.
Factors Affecting ICICI Credit Card Eligibility
- Age: You must be at least 18 years old. However, some banks have a minimum requirement of 21 years. The maximum age requirement also differs, and it generally goes up to 60 years.
- Annual Salary: Your annual income determines if you’re eligible for a particular card or not. Make sure your income meets the required eligibility criteria set by the bank so that you can easily avail the loan.
- Nationality or Residential Status: Citizens, residents, and non-residents can apply. However, there are a few cards that are only available for Indian citizens.
- Credit Score: Your chances of getting a credit card increases when you have a stellar credit score. If you have a bad score, your application will most likely be rejected. A good credit score is anywhere from 750 to 900.
- Existing Debt: Your card provider will also consider your credit utilisation ratio. If your dues exceed the granted limit, it may affect the approval of your application.
- Employment: Another factor that affects your eligibility is your employment status. Staying in your current job for more than a year can improve your chances of getting a credit card significantly.
- Location: Banks also take your location into consideration when they assess your application. Certain cards are only available to those residing in particular cities
Factors That Can Improve Your Credit Card Eligibility
- Repay debts on time.
- Do not exhaust the credit limit of your Credit Card.
- Keep a healthy mix of secured and unsecured credit.
- Limit loan applications to limit enquiries.
- Doing all these will increase your credit score and creditworthiness, thus, making you more eligible. Meet all the Credit Card criteria of eligibility and get approval without any hassle.
ICICI Credit Card Application Status
Knowing your credit card application status is absolutely easy as you just need an application number/ID. With the help of this number, you would be able to know an ICICI credit card status online. You simply need to login to your account and look for the Track Credit Card Application option. Soon you find the same, enter your credit card ID/number along with a mobile number and click on Track Application. The next thing that will display on your screen is the real-time status of your credit card. You would be able to know whether your credit card application has been approved, declined, pending or in progress.
ICICI Credit Card Customer Care Number
In case you have any query related to ICICI bank credit cards, you can register your grievance by dialling a toll-free number–1800 102 4242, between 9 a.m. to 6 p.m. from Monday to Friday. The customer care executives of the bank are here to give you proper support and guidance so that all your queries and complaints can be solved easily. So, feel free to get in touch with the bank whenever you have a query or concern related to your ICICI Bank credit card. Doesn’t matter whether it’s about payment date, reward points or privileges such as lounge access, you can get to know all by calling the executives on the aforesaid number.