Best ICICI Credit Cards (Compared & Reviewed)


Have you been looking forward to getting an ICICI credit card for yourself? With a host of options available to choose from, it can undoubtedly be intimidating to narrow down to one. So how exactly should you select the best ICICI credit card from a host of options? 

ICICI bank is known to offer a variety of credit cards to its customers, and it is easy to apply for one, as long as you meet the criteria to get a credit card from the bank. Listed below are some of the best ICICI bank credit cards for you based on their features. 

Here are some of the best ICICI credit cards.

1. ICICI Bank Rubyx Credit Card

With an annual fee of INR 2,000, this card is best suited for you if you are looking for one with various travel benefits. Yet, this credit card also offers a bunch of other benefits which allows you to earn payback points on your expenses and happens to be a great option if you are someone who travels frequently. 

Since this card also gives you access to airport lounges, you can get this card for a bunch of handsome benefits. This credit card offers the benefit of golf privileges, lounge benefits, insurance coverage and movie benefits. 

2. ICICI Bank Coral Contactless Card

If you are someone who is looking for rewards with your credit card, here is an option that provides you with multiple benefits. This includes milestone benefits, payback points, dining discounts, movie benefits and a special convenience fee waiver. 

You should get this card if you are someone who is looking for a general credit card and can afford to spend a minimum of INR 1.5 Lakh in a year. There is benefit in taking this card only if you are willing to make expenses which give back rewards. 

3. ICICI Platinum Chip Credit Card – VISA

Are you a shopaholic who likes to use your credit card to make payments for purchases? You can greatly benefit by choosing a credit card such as this one with handsome reward points, dining discounts and fuel surcharge waiver. 

This card will suit your needs if you are looking for a credit card that fulfils the basic function of one, and want to pay zero annual charges towards your card. Further, it can be highly rewarding for you to make future payments of fuel through this credit card. 

4. ICICI Bank Emeralde Credit Card

If you are looking for a lifestyle wellness card, here is something that will really please you. Avail exciting benefits on movie offers, golf lessons, airport lounge access, concierge services, rebuked cancellation charges, fuel surcharge waiver, dining offers and insurance benefits. You get the benefit of special fee charges on cash withdrawals, late payment charges and foreign exchange mark-up fees. 

With so many benefits, this is truly the perfect lifestyle card that will suit your needs and make you appreciate your decision to opt for a credit card. However, you should get this card only if you are an existing ICICI Bank private global client and if travelling is on your cards quite frequently and you would like to avail this card’s benefits.

5. ICICI Bank HPCL Credit Cards

If you would like to get a credit card which offers you exclusive rewards every time you refuel your vehicle, this is the card for you. It brings you the benefit of endless reward points, fuel redemption offers, cashback offers, the movie offers and dining offers, over and above its primary purpose. 

You should think about getting this card if you are someone who makes a significant expenditure on fuel every month and if your preference for refuelling station will be Hindustan Petroleum. Another vital feature of this card is its low annual fee, which can make it very convenient for you to own a credit card and bear its related expenses. 

6. ICICI Bank Visa Signature Credit Card

Who does not like a premium banking experience with their banking service provider? When it comes to a credit card, the more benefits, the better it is for you. If you are in the search for a credit card that fulfils a variety of needs, then this is the card which you must choose. 

With a number of handpicked benefits, this card is a storehouse of benefits which you will find extremely beneficial during the tenure of holding this card. It brings you the benefit of golf offers, lounge access at airports, reward points for various spending, fuel surcharge waiver and concierge services, all of which are great for you as long as you meet the eligibility criteria. 

This card is an excellent choice for you if you require these services. It is the card of choice for many users who expect to be rewarded for various spending. 

Features –  Name of cardAnnual FeeSuitabilityMinimum IncomeWelcome GiftBest Feature
ICICI Bank Rubyx Credit CardINR 2000TravelINR 6 Lakh per annumShopping and travel vouchers of INR 5000+15000 payback points in a year
ICICI Bank Coral Contactless CardINR 500Reward pointsINR 20000 per month10000 payback points each year
ICICI Platinum Chip Credit Card – VISANilShoppersINR 15000 per monthMinimum saving of 15% on dining
ICICI Bank Emeralde Credit CardINR 12000LifestyleINR 3 Lakh per monthPayback points and offers on every other purchaseComplimentary golf lessons
ICICI Bank HPCL Credit CardsINR 199FuelRedeem up to 2000 points for fuel up to INR 5002.5% cashback offer on fuel spends at all HPCL stations
ICICI Bank Visa Signature Credit CardINR 2000Travel and lifestyleUp to 30000 handpicked rewardsPersonal concierge services

In Conclusion

Here are some of the best ICICI credit card options which you can consider for yourself. For each category, these credit cards are among the highest-rated and reviewed options which make them an excellent choice for your needs. With each card, you can avail a bunch of specific rewards and welcome offers, which seek to make your experience an exciting one. 

Indeed, each card offers a specific bunch of offers and rewards, which make them an ideal choice for people who prefer a credit card for one such category. With CRED, you can easily keep track of all your credit cards and stay updated with their details. 

about CRED

CRED is a members-only platform that rewards the creditworthy individuals of India with exclusive experiences, rewards and upgrades.

follow us on