
1. Introduction
ICICI Bank stands tall as one of India’s largest private-sector banks, boasting a vast network of over 6,600 branches and around 16,000 ATMs across the country. It offers a comprehensive range of credit cards designed to cater to diverse customer needs—from basic everyday usage to premium lifestyle and travel experiences. In this guide, we explore the full spectrum of ICICI Bank credit cards, highlighting key features, fees, rewards, digital tools, comparisons, user feedback, security measures, and tips for optimal use.
2. ICICI Bank Credit Card Categories
ICICI’s credit card offerings fall into four primary tiers, each suited to different spending habits and preferences:
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Entry-Level/Platinum
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Lifestyle (e.g. Coral)
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Premium (e.g. Rubyx, Sapphiro)
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Super-Premium or Co-Branded (e.g. Amazon Pay, Times Black)
2.1 Entry-Level / Platinum Cards
These cards have no joining or annual fee, making them ideal for cost-conscious users. They typically offer around 2 reward points per ₹100 spent (excluding fuel), and 1 point per ₹100 on utility and insurance payments.
2.2 Coral Lifestyle Card
With an annual fee of ₹500 + GST, Coral targets those who enjoy dining, shopping, or going to the movies. Reward rates range from 1–2 points per ₹100, along with exclusive dining, cinema (e.g. INOX, BookMyShow), and lifestyle offers.
2.3 Premium Cards
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Rubyx (₹2,500 fee): Earns 2 points/₹100, offers domestic lounge access and select travel/dining benefits.
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Sapphiro (₹4,500 fee): Premium-level perks include up to 6 points/₹100, airport lounge access through DragonPass, concierge services, and better hotel/travel rewards.
2.4 Super‑Premium and Co‑Branded Cards
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Amazon Pay ICICI Card: No fees; Prime members get 5% cashback on Amazon, others get 3%, and 1% elsewhere.
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HPCL Coral: Focused on fuel rewards—2.5% cashback at HPCL stations plus lifestyle perks.
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Emeralde and Times Black: Luxury cards with premium travel benefits—unlimited lounge access, airport transfers, and exclusive event invites.
3. Rewards and Benefits
3.1 Base Reward Structure
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Platinum: ~2 reward points/₹100 (non-fuel); 1 point/₹100 on selected bills.
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Coral, Rubyx, Sapphiro: 1–6 points/₹100 depending on tier and category, with occasional bonus offers.
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Amazon Pay: 5%/3%/1% cashback based on Prime status.
3.2 Bonus & Tiered Offers
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Many cards include milestone bonuses once you spend a certain amount (e.g., ₹1–2 lakhs annually).
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Sapphiro & Rubyx often offer accelerated rewards (6–12X points) on select flight and hotel bookings.
3.3 Lounge Access & Privileges
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Rubyx/Sapphiro: Come with complimentary domestic lounge entries (often tied to milestone spends).
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Times Black: Offers unlimited lounge access worldwide, plus chauffeur-driven airport pickup and event benefits.
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Coral: Offers limited lounge benefits when you hit spending thresholds.
4. Fees, Charges & Interest
4.1 Fees
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Entry/Platinum: ₹0
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Coral: ₹500 + GST (waivable via annual spends)
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Rubyx: ₹2,500
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Sapphiro: ₹4,500
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Emeralde/Times Black: ₹10,000+
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Co‑branded cards: ₹0–₹2,500 depending on partner
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Supplementary cards: Fees of ₹199 annually (since Nov 2024)
4.2 Interest Rates
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Revolving credit: Approx. 30–44% p.a. (2.49–3.67% per month)
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Cash advances: Interest from day one; no grace period
4.3 Surcharges
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Fuel surcharge waiver for up to ₹50,000/month (entry‑tier) or ₹100,000/month (premium); 1% thereafter
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Utility or insurance spends are capped; beyond this, a 1% service fee applies
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Foreign usage includes a 1% dynamic currency conversion charge
5. Who Can Apply and How
5.1 Eligibility
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Applicants must be 18+ (some tiers prefer 21+).
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Must have a verified Indian address and ID proof.
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Income requirements vary—low for entry cards, higher for premium tiers. Co-branded or employer-linked schemes may offer easier eligibility.
5.2 How to Apply
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Online through ICICI’s net banking or iMobile app.
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Applications can be processed in-branch.
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Some offers enable instant virtual cards upon approval—physical cards arrive in about a week.
5.3 Secured Cards
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Instant FD Card: Secured against a fixed deposit of ₹50,000+, with no fees and earning reward points.
6. Digital Experience & Tools
6.1 Virtual Card Issuance
Gold, premium, and co-branded cards often have virtual versions issued immediately on approval.
6.2 iMobile App Features
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Lock/unlock cards instantly
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Monitor spends
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Set payment reminders
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Redeem points to vouchers or against bills
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Enable UPI and contactless payments
6.3 Contactless & UPI Payments
All cards are NFC-enabled, and can be used for UPI QR-based transactions as well. An earlier “Click-to-Pay” feature was discontinued in Feb 2025.
7. Safety & Fraud Protection
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Security chips + contactless protection reduce cloning risk.
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Real-time alerts for each transaction; OTP-secured online purchases.
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Zero-liability policy for unauthorized transactions—provided the cardholder didn’t share OTP or CVV.
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Some users have reported security lapses during customer support chats, highlighting the need for caution.
8. Comparison with Other Indian Banks
Feature | ICICI | HDFC | SBI | Axis |
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Fee-free options | Entry-tier & co-brands | Basic Titanium & above | Advantage & PrimePay | Insta Vibe, Ramp |
Reward rates | 1–6 RP/₹100 + bonuses | Often 2–10% on categories | 2–10% on Sewaportals | Ramp & Neo offer rewards |
Digital issuance | Generally good | Excellent | Moderate | Good |
Travel benefits | Strong at premium levels | Good (Millennia, Magnus) | Limited to premium tiers | Good at Magnus Black |
Co-brands available | Amazon, MMT, HPCL | Amazon, Flipkart | Axis Fly & others | Vistara, MMT, Uber |
ICICI excels in app usability and frequent co-branded partnerships. However, reward caps and fees are important considerations.
9. Real-World Feedback
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Quick approvals reported via iMobile; some users get access within hours.
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ICICI periodically offers lifetime-free cards through employer tie-ups.
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Support concerns: users have mentioned instances of inadvertent disclosure of personal card details during live chats.
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Fraud incidents: unauthorized usage cases of ₹3 lakh+ have been reported; reimbursements depend on customer responsibility regarding OTP/CVV sharing.
10. Regulations & Responsible Practices
ICICI complies with RBI guidelines on credit card definitions, fee disclosures, and consumer protection. Starting Nov 2024, supplementary card fees and spending-based reward caps were implemented. While digital issuance helps reduce plastic use, ICICI hasn’t publicized any dedicated green initiatives tied to its card services.
11. Expert Tips to Maximize Benefits
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Match card to your lifestyle—shopping (Amazon), travel (Sapphiro/Emeralde), everyday spends (Coral or Platinum).
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Track reward caps and surcharge thresholds carefully to avoid unexpected fees.
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Utilize milestone-based bonuses for extra reward value.
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Repay your balance in full monthly to sidestep high interest.
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Use the iMobile app to manage card controls, track usage, or enable UPI.
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Stay vigilant with OTP and CVV usage to protect yourself from fraud.
12. The Road Ahead
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Stronger digital innovations: expect more instant-issue and personalized offers in the app.
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Co-branded partnerships will likely expand into travel, wellness, and entertainment.
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Regulatory updates may introduce more transparent policies and further simplify reward tiers.
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Security enhancements are expected after recent support-related concerns.
13. Summary Comparison Table
Card Name | Annual Fee | Reward Rate | Lounge Access | Best For |
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Platinum | ₹0 | 2 RP/₹100 | No | Fee-free everyday use |
Coral | ₹500 + GST | 1–2 RP/₹100 | Milestone-based | Lifestyle — dining, movies |
Rubyx | ₹2,500 | 2 RP/₹100 + bonuses | Domestic lounges | Frequent domestic travelers |
Sapphiro | ₹4,500 | 6 RP/₹100 + booking perks | Premium lounges | Frequent travellers, premium travelers |
Amazon Pay | ₹0 | 5%/3%/1% cashback | No | Amazon shoppers |
Times Black | ₹10,000+ | Luxury curated offers | Unlimited VIP lounges | High-net-worth individuals |
14. Final Word
ICICI Bank’s credit card lineup is thoughtfully designed for a variety of user profiles—from the fee-conscious and occasional spender to the luxury traveler and frequent shopper. While reward rates, co-branded partnerships, and app-based convenience shine, keep an eye on caps, fees, and security practices. With the right planning and responsible usage, these cards can offer considerable value.
FAQs
Q: Which ICICI card is best for shopping on Amazon?
→ The Amazon Pay ICICI Credit Card, offering 5% cashback for Prime users and no annual fee.
Q: Are fee waivers available on premium cards?
→ Yes—cards like Coral and Rubyx can become fee-free if spending thresholds are met.
Q: Can I get lounge access easily?
→ Premium cards unlock lounge privileges, sometimes tied to quarterly spends. Times Black offers unlimited access.
Q: Are international transactions supported?
→ Yes—Visa/MasterCard payment networks are used, with a dynamic currency fee of ~1%.
Q: What should I do if I suspect fraud?
→ Use iMobile to lock the card instantly, report to ICICI immediately, and monitor your transactions carefully.