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.
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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.
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.
The rewards program gives great value on daily spending:
You can redeem these points through the ICICI Bank Rewards platform for movie vouchers, travel vouchers, and lifestyle products.
This card works best if you:
Here's how to get the most from your card:
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.
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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.
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.
Movie lovers can save big with these entertainment perks:
The card comes with great lounge access benefits:
You'll pay Rs. 500 as joining and annual fee each. All the same, you can get annual savings worth Rs. 11,175:
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.
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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.
The card rewards both domestic and international spending through a tiered structure:
The card's welcome benefits include vouchers worth Rs. 5,000+ after paying the joining fee:
Your leisure time becomes more enjoyable with exclusive entertainment offers:
Frequent travelers can enjoy these lounge benefits:
The card's golf benefits stand out:
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.
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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.
The card rewards you generously with a multi-tier structure based on your spending:
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.
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.
Your travel becomes more comfortable with these lounge benefits:
The card makes your lifestyle more luxurious with:
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.
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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.
The card rewards your everyday spending with a well-structured points system:
Airport privileges make this card special:
Your lifestyle gets better with:
The i-Assist concierge service works 24x7 to help you with:
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.
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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.
New cardholders get these welcome rewards:
Your MyCash rewards stack up this way:
Your card comes packed with travel benefits:
The lounge benefits work like this:
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.
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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.
Your MyCash rewards stack up quickly with this earning structure:
You can boost your earnings with milestone rewards that give you Rs. 5,100 MyCash when you hit annual spending targets.
Your card activation unlocks these perks:
Relax in style with these lounge benefits:
The card costs Rs. 2,500 to join with no yearly fees. Your yearly benefits can add up to Rs. 90,000, including:
The card renews automatically without charges, making it a great value given its extensive benefits package.
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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.
The rewards structure keeps things simple:
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.
Cardholders get several Emirates advantages:
The card packs some great travel features:
Your lifestyle gets better with:
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.
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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.
The card rewards program turns spending into travel possibilities:
Emirates offers these exclusive privileges to cardholders:
Lounge access benefits make this card stand out:
The card's benefits go beyond travel and include:
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.
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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.
Cardholders can save money on fuel in two ways:
Fuel purchases earn significant cashback rewards:
The card rewards extend beyond fuel savings:
Entertainment benefits add extra value:
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.
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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.
The card rewards you based on your Prime membership status:
The rewards extend beyond Amazon shopping:
Your card brings value through various spending categories:
The card makes digital transactions convenient through:
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.
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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.
New cardholders get a Manchester United branded football when they activate their card. The card brings some amazing opportunities:
Your spending habits determine your rewards:
You can save big on entertainment:
Your travel becomes more rewarding with:
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.
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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.
The rewards structure is simple and straightforward:
Your travel becomes more enjoyable with these select perks:
Car enthusiasts get these exclusive benefits:
The card comes with robust security features:
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.
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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.
The card comes packed with exclusive merchandise perks:
Match days bring extra rewards for cardholders:
The card unlocks unique cricket experiences:
The card packs several everyday benefits:
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.
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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.
This card offers a well-laid-out rewards system that focuses on daily spending:
The card brings value to your lifestyle through several perks:
The card comes with additional retail perks:
Security and convenience come together with:
This card merges style with practical benefits, making it perfect if you want both looks and functionality in your credit card.
| 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 |
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.
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