Navigating through ICICI Bank’s credit card options can feel overwhelming with their diverse rewards, benefits, and annual fees that range from zero to Rs 12,000.
ICICI Bank’s credit card portfolio matches different lifestyles and spending patterns. The Platinum Chip Credit Card requires no joining fee, while premium cards like the Emeralde Credit Card give you unlimited airport lounge access and free golf rounds. Travel enthusiasts can earn up to 2.5 Skywards Miles on every Rs 100 spent, and shopping lovers can get up to 5% cashback with the Amazon Pay Credit Card if they’re Prime customers.
This detailed comparison analyzes the 15 best ICICI Bank credit cards accessible to more people in 2025. The guide helps you pick the right card that fits your needs – whether you love travel, shopping, dining, or entertainment.
Table of Contents
ICICI Bank Platinum Chip Credit Card: The No-Fee Wonder
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The ICICI Bank Platinum Chip Credit Card is an entry-level card that blends security with simplicity. This no-fee credit card has an embedded microchip to protect against counterfeiting and duplication.
Key Features and Benefits
You’ll pay zero joining and annual fees, which makes it a great option for first-time credit card users. The card gives you a 1% fuel surcharge waiver at HPCL petrol pumps when you spend between Rs. 400 and Rs. 4,000. The ICICI Bank Culinary Treats Program lets you save at least 15% at more than 2,500 restaurants across India.
Reward Points Structure
The rewards program gives great value on daily spending:
- 2 reward points for every Rs. 100 spent on retail purchases (excluding fuel, tax, government, and rent payments)
- 1 reward point per Rs. 100 spent on utilities and insurance payments
You can redeem these points through the ICICI Bank Rewards platform for movie vouchers, travel vouchers, and lifestyle products.
Ideal User Profile
This card works best if you:
- Are above 21 years old
- Want a simple credit card experience
- Need to build your credit profile without annual fee commitments
- Keep making utility and insurance payments
- Often dine out at partner restaurants
How to Maximize Value
Here’s how to get the most from your card:
- Make retail purchases to earn double reward points
- Buy fuel at HPCL pumps using ICICI Merchant Services swipe machines for the surcharge waiver
- Use dining discounts through the Culinary Treats Program to save big
- Set up auto-pay for utility bills and insurance premiums to earn rewards consistently
The card comes with built-in contactless technology for quick and secure payments at retail outlets, along with PIN verification security for in-person transactions.
ICICI Bank Coral Credit Card: Entry-Level Premium Experience
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The ICICI Bank Coral Credit Card packs premium rewards with a reliable earning structure and lifestyle benefits. This card strikes the right balance between everyday value and premium perks. It’s perfect for users looking to improve their credit card benefits.
Reward Structure and Earning Potential
The card gives you 2 reward points for every Rs. 100 spent on retail purchases, except fuel transactions. You’ll earn 1 reward point per Rs. 100 on utilities and insurance payments. The Milestone Rewards program rewards you with 2,000 bonus points once you spend Rs. 2,00,000. You get 1,000 more points for each Rs. 1,00,000 spent after that, up to 10,000 points yearly.
Entertainment Benefits
Movie lovers can save big with these entertainment perks:
- 25% discount up to Rs. 150 on BookMyShow when buying at least two tickets, twice monthly
- 25% discount up to Rs. 100 on INOX movie tickets, twice per month
Travel Perks
The card comes with great lounge access benefits:
- One free domestic airport lounge visit every quarter
- One free railway lounge access each quarter
- These access benefits are only for primary cardholders
Annual Fee Considerations
You’ll pay Rs. 500 as joining and annual fee each. All the same, you can get annual savings worth Rs. 11,175:
- Rs. 2,400 in cash rewards when you spend Rs. 3,00,000 yearly
- Rs. 1,425 in milestone rewards
- Rs. 750 worth of airport lounge access
- Rs. 4,000 saved on fuel surcharge with monthly fuel purchases of Rs. 5,000
- Rs. 600 value from railway lounge access
The card’s microchip technology protects you against counterfeiting and duplication. You also get interest-free credit from your purchase date until the payment due date when you pay the full amount.
ICICI Bank Rubyx Credit Card: Mid-Tier Lifestyle Card
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The ICICI Bank Rubyx Credit Card raises the bar for mid-tier credit cards with its robust rewards program and premium lifestyle benefits. This card is perfect if you want a mix of dining, entertainment, and travel perks.
Premium Rewards Program
The card rewards both domestic and international spending through a tiered structure:
- 2 reward points for every Rs. 100 spent on domestic purchases
- 4 reward points for every Rs. 100 spent on international transactions
- 1 reward point for every Rs. 100 spent on utilities and insurance
The card’s welcome benefits include vouchers worth Rs. 5,000+ after paying the joining fee:
- Tata CliQ voucher worth Rs. 2,000
- EaseMyTrip vouchers worth Rs. 2,000
- Uber voucher worth Rs. 250
- Tata Croma vouchers worth Rs. 1,000
Dining and Entertainment Benefits
Your leisure time becomes more enjoyable with exclusive entertainment offers:
- 25% discount up to Rs. 150 on BookMyShow when buying minimum two movie tickets, twice monthly
- The same discount applies at INOX theaters, twice per month
- The ICICI Bank Culinary Treats Program gives you discounted dining at select restaurants
Travel and Lounge Access
Frequent travelers can enjoy these lounge benefits:
- 2 complimentary domestic airport lounge visits per quarter
- 2 complimentary railway lounge visits quarterly
- You can access lounges after spending Rs. 75,000 in the preceding calendar quarter
Golf Privileges
The card’s golf benefits stand out:
- Each Rs. 50,000 retail spend in the previous month earns one complimentary golf round or lesson
- You can get up to two complimentary rounds monthly
- The Golftripz platform provides access to premium golf courses across India
- Each complimentary round stays valid for two months
The card’s annual fee structure has a joining fee of Rs. 3,000 and an annual fee of Rs. 2,000. The annual fee gets waived when you spend more than Rs. 3 lakh in the previous year. You can earn up to 15,000 reward points annually, which makes this card a great choice for anyone who wants premium benefits with reasonable spending requirements.
ICICI Bank Sapphiro Credit Card: Premium Lifestyle Companion
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ICICI Bank’s Sapphiro Credit Card targets high-earning professionals. Salaried employees need a monthly income of Rs. 80,000, while self-employed professionals must earn Rs. 83,333.
Elite Rewards System
The card rewards you generously with a multi-tier structure based on your spending:
- 2 reward points on every Rs. 100 spent on domestic purchases
- 4 reward points per Rs. 100 on international transactions
- 1 reward point for every Rs. 100 spent on utilities and insurance
Cardholders can earn 4,000 points when they spend Rs. 4,00,000 through the Milestone Rewards program [link_2]. Each additional Rs. 1,00,000 spent brings 2,000 more points, with a yearly cap of 20,000 points.
Premium Entertainment Benefits
BookMyShow deals let you save up to Rs. 500 on your second movie ticket twice every month. The card also gives you access to ICICI Bank’s Culinary Treats Program that offers great discounts at restaurants across the country.
Extensive Travel Privileges
Your travel becomes more comfortable with these lounge benefits:
- 4 free domestic airport lounge visits each quarter
- 2 free international airport lounge visits yearly
- Priority Pass membership with access to 1,400+ lounges in 145+ countries
- DreamFolks membership that covers 650+ lounges in 100+ countries
Wellness and Lifestyle Perks
The card makes your lifestyle more luxurious with:
- Up to 4 free golf rounds monthly based on your spending
- Round-the-clock i-Assist concierge services to book restaurants, travel, and movie tickets
- Rs. 3 crore air accident insurance coverage
The card’s joining fee is Rs. 6,500 with a yearly fee of Rs. 3,500. You won’t pay the annual fee if you spend over Rs. 6 lakh in the previous year. New members get welcome vouchers worth Rs. 9,000 to spend on shopping and travel after paying the joining fee.
ICICI Bank Emeralde Credit Card: Ultra-Premium Experience
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ICICI Bank’s Emeralde Credit Card stands as their most premium offering with its metal design and exceptional benefits. Cardholders can choose between two membership plans: a monthly fee of Rs. 1,000 or an annual fee of Rs. 12,000.
Exclusive Rewards Program
The card rewards your everyday spending with a well-structured points system:
- Earn 6 ICICI Bank Reward Points on every Rs. 200 spent on retail transactions, except government services, fuel, rent, and tax payments
- Each reward point is worth up to Re. 1
- Monthly earning caps apply: 1,000 points for grocery, utilities, and education categories; 5,000 points for insurance payments
Unlimited Lounge Access Benefits
Airport privileges make this card special:
- Primary and supplementary cardholders receive complimentary Priority Pass membership
- Members can visit 1,300+ lounges in 148 countries and 600 cities worldwide
- Select Indian airports offer unlimited complimentary domestic lounge access
- Hotel and flight bookings come with zero cancelation charges and refunds up to Rs. 12,000 for two transactions yearly
Premium Lifestyle Privileges
Your lifestyle gets better with:
- BookMyShow offers buy-one-get-one movie tickets with Rs. 750 discount twice monthly
- Rs. 3 crore air accident insurance coverage protects you
- EaseMyTrip provides complimentary air travel vouchers worth Rs. 6,000 when you meet spending goals
- Mastercard Moments program brings exclusive experiences to you
Concierge Services
The i-Assist concierge service works 24×7 to help you with:
- Restaurant suggestions and bookings worldwide
- Flight and hotel reservation assistance
- Flower and gift deliveries anywhere in the world
- Emergency auto support in major Indian cities
- Medical assistance during emergencies
This card saves you Rs. 2,42,180 annually through unlimited lounge access worth Rs. 30,400, golf privileges valued at Rs. 1,40,000, and free movie tickets worth Rs. 18,000.
MakeMyTrip ICICI Bank Platinum Credit Card: Budget Traveler’s Choice
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The MakeMyTrip ICICI Bank Platinum Credit Card works great for travelers watching their budget. It combines travel perks with reasonable fees. This card works on both Mastercard and RuPay networks, which gives cardholders more flexibility when they travel.
Welcome Benefits and Holiday Vouchers
New cardholders get these welcome rewards:
- Rs. 500 MyCash shows up in your account within 45 business days after paying the joining fee
- A MakeMyTrip holiday voucher worth Rs. 3,000 comes in your welcome kit
- You’ll receive a Lemon Tree Hotels voucher worth Rs. 2,000
- The package includes a complimentary MMTBLACK membership voucher
MyCash Earning Structure
Your MyCash rewards stack up this way:
- Book hotels through MakeMyTrip and earn Rs. 3 MyCash per Rs. 200 spent
- Flight bookings on MakeMyTrip get you Rs. 2 MyCash per Rs. 200
- Regular domestic purchases outside MakeMyTrip earn Rs. 1 MyCash per Rs. 200
- International purchases give you Rs. 1.25 MyCash per Rs. 200
Travel-Specific Advantages
Your card comes packed with travel benefits:
- Just 0.99% forex markup fee when you spend internationally
- MMTBLACK membership gets you special deals on flights, hotels, and holidays
- Quick help from a dedicated travel hotline that responds within 30 seconds
- Spend Rs. 50,000 yearly on travel and get Rs. 1,000 MyCash as a bonus
Complimentary Lounge Access
The lounge benefits work like this:
- Spend Rs. 5,000 in a quarter and get one free domestic airport lounge visit next quarter
- One free railway lounge visit every quarter
- These lounge perks work only for primary cardholders
You need a monthly income of Rs. 20,000 if you’re salaried, or yearly earnings of Rs. 3 lakh if you run your own business. The card costs Rs. 500 to start and becomes free from the second year. This makes it a great value card that rewards your travel spending with practical benefits.
MakeMyTrip ICICI Bank Signature Credit Card: Serious Traveler’s Companion
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The MakeMyTrip ICICI Bank Signature Credit Card gives you benefits worth over Rs. 90,000 every year through its detailed rewards program and premium perks.
Premium Travel Rewards
Your MyCash rewards stack up quickly with this earning structure:
- Book hotels through MakeMyTrip and earn 4 MyCash points per Rs. 200
- Flight bookings on MakeMyTrip get you 2 MyCash points per Rs. 200
- International purchases earn 1.5 MyCash points per Rs. 200
- Other domestic spending brings 1.25 MyCash points per Rs. 200
You can boost your earnings with milestone rewards that give you Rs. 5,100 MyCash when you hit annual spending targets.
Exclusive MakeMyTrip Benefits
Your card activation unlocks these perks:
- Rs. 1,500 MyCash as welcome bonus
- A holiday voucher worth Rs. 2,500 from MakeMyTrip
- MMTBLACK Exclusive membership worth Rs. 48,935 at no cost
- Special cab service discounts:
- Rs. 100 savings on airport rides
- Rs. 250 off on one-way outstation trips
- Rs. 500 discount on round-trip outstation trips
Airport and Railway Lounge Access
Relax in style with these lounge benefits:
- Two free domestic airport lounge visits every quarter when you spend Rs. 75,000 in the previous quarter
- One complimentary international lounge visit yearly
- One free railway lounge visit quarterly
- DreamFolks membership lets you access over 650 lounges in more than 100 countries
Annual Fee Value Analysis
The card costs Rs. 2,500 to join with no yearly fees. Your yearly benefits can add up to Rs. 90,000, including:
- MyCash earnings potential of Rs. 14,913
- Airport lounge access worth Rs. 8,000
- Railway lounge perks valued at Rs. 1,580
- Movie ticket savings of Rs. 3,600
- Cab ride discounts worth Rs. 2,800
- Dining benefits of Rs. 2,700
The card renews automatically without charges, making it a great value given its extensive benefits package.
Emirates Skywards ICICI Bank Rubyx Credit Card: For International Flyers
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ICICI Bank teams up with Emirates Airlines to launch the Rubyx Credit Card that turns daily purchases into Skywards Miles. The card comes with a annual fee of Rs. 1,000 and gives cardholders access to exclusive Emirates perks and travel rewards.
Skywards Miles Program
The rewards structure keeps things simple:
- 1.5 Skywards Miles for every Rs. 100 spent on regular purchases
- 1 Skyward Mile per Rs. 100 on insurance and utility transactions
New cardholders automatically receive Blue Tier Membership when they join and renew. Miles earned can be used for award flights, upgrades, hotel stays, and special events through Emirates Skywards’ global partner network.
Emirates-Specific Benefits
Cardholders get several Emirates advantages:
- Direct connection to Emirates Skywards loyalty program
- Miles show up in the primary cardholder’s Emirates Skywards account within 48 hours of statement generation
- Miles can be redeemed for flight upgrades and award flights through Emirates website
International Travel Perks
The card packs some great travel features:
- Access to over 450 airport lounges in 115 countries through Dreamfolks Lounge Access Program
- Free domestic airport lounge visit every quarter when spending Rs. 75,000 in the previous quarter
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 at all fuel stations
Dining and Entertainment Offers
Your lifestyle gets better with:
- 25% off up to Rs. 100 when buying two movie tickets through BookMyShow and Inox, twice monthly
- ICICI Bank Culinary Treats Program offers discounted dining at partner restaurants across India
- Special deals at various restaurants through the exclusive dining program
Frequent Emirates flyers will find this credit card perfect to maximize their travel benefits without paying a huge annual fee. The mix of Skywards Miles earning potential and dining perks makes this card valuable for international travelers.
Emirates Skywards ICICI Bank Sapphiro Credit Card: Elite Travel Experience
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The Emirates Skywards ICICI Bank Sapphiro Credit Card takes premium travel to new heights with its complete rewards structure and exclusive Emirates benefits. This premium card comes with an annual fee of Rs. 5,000 and serves frequent international travelers well.
Premium Skywards Miles Earning
The card rewards program turns spending into travel possibilities:
- 2 Skywards Miles for every Rs. 100 spent in all categories
- 5,000 bonus Skywards Miles added yearly upon card renewal
- Extra Skywards Miles through milestone rewards when you hit specific spending targets
Elite Status Benefits
Emirates offers these exclusive privileges to cardholders:
- Free Emirates Skywards Silver Tier membership in the first year
- Silver Tier status stays active with annual spending of Rs. 5 lakh
- Direct connection to Emirates Skywards loyalty program makes miles redemption smooth
Global Travel Privileges
Lounge access benefits make this card stand out:
- 2 free domestic lounge visits each quarter when you spend Rs. 75,000 in the previous quarter
- Priority Pass membership gives 2 free international lounge visits yearly
- Access to more than 1,400 lounges in over 145 countries worldwide
- DreamFolks membership adds access to 650+ more lounges
Premium Lifestyle Advantages
The card’s benefits go beyond travel and include:
- BookMyShow offers Rs. 500 off on second movie tickets twice monthly
- Special dining deals through ICICI Bank Culinary Treats Program
- 1% fuel surcharge waiver at all fuel stations across India
- Entertainment perks worth Rs. 500 twice every month
Cardholders need to spend Rs. 75,000 in the previous calendar quarter to get free lounge access. Your accumulated Skywards Miles can buy flight upgrades, hotel stays, and special experiences through Emirates Skywards partners worldwide. The card merges with Emirates’ loyalty program and credits miles within 48 hours after statement generation.
ICICI Bank HPCL Coral Credit Card: Fuel Efficiency Champion
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HPCL and ICICI Bank offer this credit card to help drivers save money on fuel costs through rewards and savings. Regular drivers will find great value in this card’s fuel benefits and lifestyle perks.
Fuel Savings Structure
Cardholders can save money on fuel in two ways:
- A complete 1% fuel surcharge waiver applies to transactions up to Rs. 4,000 at HPCL pumps
- Savings become available when customers use ICICI Merchant Services swipe machines at HPCL stations
Cashback Benefits
Fuel purchases earn significant cashback rewards:
- HPCL outlet transactions earn 2.5% cashback with a monthly cap of Rs. 100
- Customers can save up to 3.5% on fuel through combined cashback and surcharge waiver benefits
- Cardholders can redeem their PAYBACK points right at HPCL pumps
Additional Reward Categories
The card rewards extend beyond fuel savings:
- Retail purchases earn 2 PAYBACK points per Rs. 100 spent, except fuel transactions
- HPCL fuel transactions earn 2.5X PAYBACK points
- Customers get Rs. 500 worth of fuel for 2,000 PAYBACK points
Entertainment Perks
Entertainment benefits add extra value:
- BookMyShow offers 25% off up to Rs. 100 on movie tickets twice monthly
- INOX provides similar savings when buying two or more tickets
- ICICI Bank Culinary Treats Program gives minimum 15% savings at over 800 restaurants across India
The card comes with a modest annual fee of Rs. 199 that customers don’t pay after spending Rs. 50,000 yearly. Two free airport lounge visits every quarter with a boarding pass make this fuel-focused card even more valuable.
ICICI Bank Amazon Pay Credit Card: Online Shopping Powerhouse
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The Amazon Pay ICICI Bank Credit Card is a powerful choice for online shoppers. It offers great cashback rewards with no joining or annual fees. This co-branded card, the first of its kind in India, naturally blends with Amazon’s ecosystem to boost shopping benefits.
Amazon-Specific Rewards
The card rewards you based on your Prime membership status:
- Amazon Prime members get 5% cashback on Amazon.in purchases
- Non-Prime members receive 3% cashback on Amazon purchases
- Digital products and gift cards earn 2% cashback whatever your Prime status
Partner Merchant Benefits
The rewards extend beyond Amazon shopping:
- You earn 2% cashback on payments through Amazon Pay at over 100 partner merchants
- The partner network has popular brands like Yatra, BookMyShow, FreshMenu, Faasos, and Byju’s
- Your cashback automatically goes to your Amazon Pay balance within two days after billing cycle ends
Everyday Spending Rewards
Your card brings value through various spending categories:
- 1% cashback on all other payments that include dining, travel, and insurance
- You pay no fuel surcharge at petrol pumps across India
- No-cost EMI options are available for 3 and 6 months on Amazon.in purchases
Digital Integration Features
The card makes digital transactions convenient through:
- Your rewards automatically convert to Amazon Pay balance after billing cycle
- The card works naturally with Amazon.in and partner merchant platforms
- You can use cashback without any minimum redemption amount
- Your earned rewards never expire
Some transactions don’t qualify for cashback, such as rent payments, precious metal purchases, EMI transactions, and fuel purchases. You can use your Amazon Pay balance for shopping on Amazon.in and partner platforms, but not on other Amazon marketplaces. This card works best for regular Amazon shoppers, particularly Prime members who can get the most from the 5% cashback on their purchases.
ICICI Bank Manchester United Credit Card: For Football Enthusiasts
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ICICI Bank’s Manchester United Credit Card is perfect for die-hard football fans. The card comes in two variants – Platinum and Signature, priced at Rs. 499 and Rs. 2,499 respectively. Your everyday spending can now turn into amazing Manchester United experiences.
Manchester United Exclusive Benefits
New cardholders get a Manchester United branded football when they activate their card. The card brings some amazing opportunities:
- Monthly top spender gets a signed Manchester United jersey and match ticket
- Monthly top 100 spenders get Manchester United branded shirts
- Annual top 18 spenders win a fully paid “Manchester United Experience” with:
- Private stadium and museum tour at Old Trafford
- First Team Squad training session viewing
- Visit to Manchester United megastore
Reward Points Structure
Your spending habits determine your rewards:
- 2 reward points for every Rs. 100 on domestic transactions
- 2 reward points for every Rs. 100 on international purchases
- 3 reward points for every Rs. 100 during Manchester United match days
Entertainment Perks
You can save big on entertainment:
- 25% off up to Rs. 150 on BookMyShow bookings, twice monthly
- You need to buy minimum two tickets
- Works on both American Express and Mastercard variants
Travel Benefits
Your travel becomes more rewarding with:
- One free domestic airport lounge access every quarter
- You need to spend Rs. 75,000 in the previous quarter
- No 1% fuel surcharge at HPCL pumps for transactions up to Rs. 4,000
You can redeem your points for great products, including Manchester United merchandise, through the ICICI Bank Rewards program. Signature card users get even better perks, including a Manchester United branded holdall with their welcome football.
ICICI Bank Accelero Credit Card: The Speed Rewards Card
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The ICICI Bank Accelero Credit Card turns regular spending into exciting driving experiences for car enthusiasts. A joining fee and annual fee of Rs. 499 each apply to this specialized card, plus GST.
Accelerated Rewards Program
The rewards structure is simple and straightforward:
- 2 ICICI Bank Reward Points on every Rs. 100 retail purchase, except fuel transactions
- You get 1,500 ICICI Bank Reward Points as an annual gift when you renew your card
- Your annual fee gets waived when you spend Rs. 1,25,000 in the previous year
Travel Benefits
Your travel becomes more enjoyable with these select perks:
- One free airport lounge visit every quarter when you spend Rs. 5,000 in that period
- The ICICI Bank Culinary Treats Program gives you great discounts on various cuisines
- Twice monthly, you can get 25% off (up to Rs. 100) on movie tickets at BookMyShow and Inox
Lifestyle Perks
Car enthusiasts get these exclusive benefits:
- Free adventure trips where you can drive premium cars at scenic locations across India
- Round-the-clock roadside assistance with key car parts replacement at no cost
- Free car wash services
- 2.5% cashback when you fuel up at HPCL pumps, limited to Rs. 250 per month
- 1% fuel surcharge waiver on all fuel purchases
Digital Features
The card comes with robust security features:
- Microchip technology that protects against counterfeiting
- Personal Identification Number (PIN) verification for secure transactions
- Up to three extra cards with no joining or annual fees
The age requirement is 21-65 years for main cardholders, and add-on cardholders must be 18 or older. The card charges a finance rate of 0.034% monthly, which equals 52.86% yearly.
ICICI Bank Chennai Super Kings Credit Card: Cricket Fan’s Delight
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ICICI Bank teams up with Chennai Super Kings to launch a credit card that connects cricket fans with their favorite team. CSK supporters can turn their everyday purchases into exclusive team experiences with this co-branded card.
CSK Merchandise Benefits
The card comes packed with exclusive merchandise perks:
- Top spenders each month get autographed items from star players
- New members receive 2,000 ICICI Bank reward points as a welcome gift after paying the joining fee and spending Rs. 5,000 within 45 days
Reward Points Structure
Match days bring extra rewards for cardholders:
- Earn 10 ICICI Bank reward points per Rs. 100 on retail purchases except fuel during IPL match days
- Get 2 ICICI Bank reward points per Rs. 100 on regular retail spending
- Receive 1 ICICI Bank reward point per Rs. 100 on insurance and utility bills
Special Cricket-Related Perks
The card unlocks unique cricket experiences:
- Special “Meet and Greet” sessions with selected CSK players
- Access to exclusive practice sessions with the Chennai Super Kings Team
- Free tickets to CSK’s home matches during the season
Additional Card Features
The card packs several everyday benefits:
- Rs. 500 annual fee waived when spending crosses Rs. 1,50,000 in the previous year
- 25% off up to Rs. 100 when booking two or more movie tickets on BookMyShow
- Entry to ICICI Bank’s Dining Delights Program with special restaurant offers
- Monthly interest rate of 3.4%
- 3.5% foreign currency markup fee for international transactions
Each reward point equals Rs. 0.25, and members can use points for CSK merchandise along with other rewards from the ICICI Bank Reward Program. This card blends everyday banking perks with exclusive cricket experiences that CSK fans will love.
ICICI Bank Expressions Credit Card: The Customizable Experience
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The ICICI Bank Expressions Credit Card stands out with its unique design options and great rewards. Cardholders can pick from over 175 eye-catching designs or add their own photographs.
Personalized Rewards Program
This card offers a well-laid-out rewards system that focuses on daily spending:
- You earn 3 ICICI Bank Reward Points for every Rs. 100 spent on retail purchases, except fuel
- The card gives 1 ICICI Bank Reward Point per Rs. 100 spent on utilities and insurance categories
- You can redeem points for movie vouchers, travel vouchers, and lifestyle products through ICICI Bank Rewards platform
Lifestyle Benefits
The card brings value to your lifestyle through several perks:
- Get 25% off up to Rs. 100 on two or more movie tickets through BookMyShow twice every month
- Save at least 15% at over 2,500 restaurants across 12 cities with ICICI Bank Culinary Treats Program
- Enjoy one free domestic airport lounge visit every quarter when you spend Rs. 5,000 in the previous calendar quarter
Shopping Advantages
The card comes with additional retail perks:
- No 1% fuel surcharge at HPCL pumps for transactions up to Rs. 4,000
- Special VISA offers at luxury hotels, restaurants, and lifestyle stores in India and abroad
- Design categories include adventure, music, travel, wildlife, food, sports, fashion, and nature
Digital Features and Integration
Security and convenience come together with:
- Microchip technology that protects against counterfeiting
- PIN requirement for safe transactions at merchant outlets
- Virtual card option through iMobile Pay app with extra security
- Instant transaction alerts and adjustable spending limits
- Option to turn purchases into EMIs through ‘call on EMI’ facility
This card merges style with practical benefits, making it perfect if you want both looks and functionality in your credit card.
Comparison Table
| Credit Card Name | Annual Fee (Rs.) | Welcome Benefits | Reward Points/Cashback | Lounge Access | Key Special Features | Target Audience |
|---|---|---|---|---|---|---|
| ICICI Bank Platinum Chip | 0 | Not mentioned | 2 points/Rs.100 on retail; 1 point/Rs.100 on utilities | N/A | 1% fuel surcharge waiver at HPCL | New credit card users |
| ICICI Bank Coral | 500 | 2,000 bonus points on Rs.2L spend | 2 points/Rs.100 on retail | 1 domestic visit/quarter | 25% off on BookMyShow | Young professionals |
| ICICI Bank Rubyx | 2,000 | Rs.5,000+ worth vouchers | 2 points domestic, 4 points international/Rs.100 | 2 domestic visits/quarter | Golf privileges | Urban professionals |
| ICICI Bank Sapphiro | 3,500 | Rs.9,000 worth vouchers | 2 points domestic, 4 points international/Rs.100 | 4 domestic + 2 international visits | Priority Pass membership | Successful professionals |
| ICICI Bank Emeralde | 12,000 | Not mentioned | 6 points/Rs.200 on retail | Unlimited worldwide | Unlimited Priority Pass access | Luxury segment customers |
| MakeMyTrip ICICI Platinum | 500 | Rs.500 MyCash + Rs.3,000 holiday voucher | Rs.3 MyCash/Rs.200 on hotels | 1 domestic visit/quarter | MMTBLACK membership | Value-seeking travelers |
| MakeMyTrip ICICI Signature | 2,500 | Rs.1,500 MyCash + Rs.2,500 holiday voucher | 4 MyCash/Rs.200 on hotels | 2 domestic visits/quarter | MMTBLACK Exclusive membership | Frequent travelers |
| Emirates Skywards Rubyx | 1,000 | Blue Tier Membership | 1.5 Skywards Miles/Rs.100 | 1 domestic visit/quarter | Direct miles credit to Emirates | Global travelers |
| Emirates Skywards Sapphiro | 5,000 | Silver Tier membership | 2 Skywards Miles/Rs.100 | 2 domestic + 2 international visits | Priority Pass membership | Premium travelers |
| ICICI Bank HPCL Coral | 199 | Not mentioned | 2.5% cashback on fuel | 2 visits/quarter | 3.5% total fuel savings | Regular drivers |
| ICICI Bank Amazon Pay | 0 | Not mentioned | 5% cashback (Prime), 3% (Non-Prime) on Amazon | Not mentioned | Instant cashback credit | Digital shoppers |
| Manchester United | 499/2,499 | Branded football | 2-3 points/Rs.100 | 1 domestic visit/quarter | Manchester United merchandise | Soccer fans |
| ICICI Bank Accelero | 499 | Not mentioned | 2 points/Rs.100 on retail | 1 domestic visit/quarter | Adventure driving experiences | Car enthusiasts |
| Chennai Super Kings | 500 | 2,000 reward points | 10 points/Rs.100 on match days | Not mentioned | CSK match tickets & experiences | Cricket enthusiasts |
| ICICI Bank Expressions | Not mentioned | Not mentioned | 3 points/Rs.100 on retail | 1 domestic visit/quarter | Customizable card design | Design-conscious users |
Conclusion
ICICI Bank offers credit cards that meet customer needs through well-designed reward structures and benefits. Their premium Emeralde card comes with unlimited lounge access and concierge services. Entry-level cards like the Platinum Chip provide simple rewards without any fees.
Different cards shine in unique ways. Emirates cards give the best value through Skywards Miles, while the Amazon Pay card offers up to 5% cashback on online shopping. Sports enthusiasts can choose Manchester United and Chennai Super Kings cards that come with unique sports experiences.
The rewards vary from simple point systems to premium perks like golf privileges, airport lounge access, and exclusive events. Annual fees match the premium features – starting at zero for basic cards and going up to Rs. 12,000 for ultra-premium cards.
Choosing an ICICI Bank credit card depends on your spending habits, lifestyle, and reward preferences. Frequent travelers get better value from Emirates or MakeMyTrip co-branded cards. Regular online shoppers should pick the Amazon Pay credit card to get the most benefits.
ICICI Bank’s extensive range shows their dedication to creating customized credit card solutions for everyone. Smart users should align their usage patterns with specific card benefits. They should also factor in annual fees and spending requirements to get the best value from their card choice.
FAQs
Q1. What are the best ICICI Bank credit cards for travel rewards?
The MakeMyTrip ICICI Bank Signature Card and Emirates Skywards ICICI Bank Sapphiro Card offer excellent travel rewards. The MakeMyTrip card provides MyCash points on travel bookings, while the Emirates card offers Skywards Miles on all purchases, making them ideal for frequent travelers.
Q2. Which ICICI Bank credit card is best for online shopping?
The ICICI Bank Amazon Pay Credit Card is the top choice for online shoppers. It offers up to 5% cashback on Amazon.in purchases for Prime members and 3% for non-Prime members, with additional cashback on partner merchant transactions.
Q3. Are there any ICICI Bank credit cards with no annual fees?
Yes, the ICICI Bank Platinum Chip Credit Card and the Amazon Pay Credit Card have no annual fees. These cards offer basic rewards and benefits without the burden of yearly charges, making them suitable for first-time credit card users or those looking to avoid fees.
Q4. What unique features does the ICICI Bank Emeralde Credit Card offer?
The ICICI Bank Emeralde Credit Card provides ultra-premium benefits, including unlimited worldwide lounge access through Priority Pass membership, concierge services, and high reward point earnings on retail transactions. It’s designed for affluent customers seeking exclusive experiences.
Q5. Are there any ICICI Bank credit cards for sports enthusiasts?
Yes, ICICI Bank offers sports-themed credit cards. The Manchester United Credit Card provides football-related perks, while the Chennai Super Kings Credit Card offers cricket-focused benefits. These cards include team merchandise, match tickets, and accelerated reward points during game days.
