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7 Best ICICI Bank Credit Cards In India 2022
ICICI Bank offers numerous credit cards in every category in India. It is the second-largest private sector bank with cards that have some unique features and privileges. The bank has dedicated cards for travel, shopping, and even sports enthusiasts. With ICICI Bank, you can even customize your card designs and avail the best benefits in the market. We have listed out the best ICICI Credit cards in the market at the present moment to help you choose the right one.
List Of 7 Best ICICI Bank Credit Cards in India For 2022
1. Amazon Pay ICICI Credit Card
- The Amazon Pay ICICI is the most bang-for-the-buck entry-level credit card in India, especially if you shop online.
- It offers 5% cashback on all online spends on Amazon.in.
- Comes a low-income requirement and offers decent rewards as per its category.
- 5% Cashback on all purchases done on Amazon (3% for non-Prime members)
- 1% Cashback on all other spends
- 15% discount on partner restaurants
- 1% fuel surcharge waiver
- If you wish to enjoy the full benefits, you need to have an Amazon Prime membership.
- There are no rewards on EMI transactions on Amazon and partners.
Why We Picked This Card?
The Amazon Pay ICICI is a no-brainer card to get if you make the majority of your online purchases via Amazon.in. Lifetime free card that gives you 5% flat cashback is highly rewarding especially for large purchases. A good alternative is the HDFC Millennia, which can count as the best HDFC Bank credit card in India for rewards.
2. ICICI Bank Coral Credit Card
- ICICI Bank Coral is an all-rounder secured credit card that caters to all the aspects of your lifestyle.
- It offers various features like complimentary airport and railway lounge access and an instant discount on partner restaurants.
- The card also has a reward system powered by PAYBACK.
- Upto 90% of your fixed deposit amount can be availed as the credit limit.
- 1% fuel surcharge waiver across all HPCL fuel stations in India.
- 15% discount on fine dining using the ICICI Culinary Treats Programme.
- Complimentary domestic airport and railway lounge access per calendar quarter.
- 2 PAYBACK reward points are earned for every Rs 100 spent on all categories except fuel.
- Absence of any standout premium features
Why We Picked This Card?
ICICI Bank’s Coral is your entry into the world of the bank’s highly rewarding cards. Get this one to build your credit score and go up the ranks as you continue to go ahead in your lending career.
3. ICICI Bank Rubyx Credit Card
- ICICI Rubyx allows its users to earn upto 4 PAYBACK points for every Rs 100 spent on multiple categories.
- 2 complimentary rounds of golf every month
- Up to 15,000 free PAYBACK Points every anniversary year
- Complimentary rounds of Golf at leading golf courses in India.
- 2X rewards on domestic spends and upto 4X rewards on all international spends.
- 1% fuel surcharge waiver across all fuel stations in India.
- Complimentary access to select airport and Railway lounges.
- No complimentary international airport lounge access
- Movie discounts are not guaranteed as it is limited to first-come-first-serve.
Why We Picked This Card?
The Rubyx gets you loads of complimentary golf rounds at a minimal fee, which is almost nullified with welcome benefits.
4. ICICI Bank Sapphiro Credit Card
- ICICI Bank Sapphiro credit card is offered in two variants - VISA and Mastercard.
- Offers complimentary Dreamfolks Membership Programme and airport lounge access.
- Gets you benefits like BOGO on movie tickets and upto 15% discount on 2500+ restaurants through the ICICI Culinary treats program.
- Welcome vouchers on travel and shopping worth Rs 9000
- Amazing rewards on every anniversary year in the form of up to 20,000 PAYBACK points.
- Upto 15% discount on 2500+ restaurants through Culinary treats program.
- 2 complimentary international and domestic airport lounge access in a calendar quarter.
- 4 complimentary rounds of Golf every month at select golf courses in India.
- High foreign currency markup fee of 3.5%
Why We Picked This Card?
The Sapphiro is a proper premium credit card that does not compromise on superb rewards in the form of PAYBACK points. It also gets you access to airport lounges and golf courses. One of the best SBI credit cards, SBI Prime, is also a great options to consider in this category.
5. ICICI Bank Emeralde Credit Card
- A premium credit card from ICICI Bank, the Emeralde has a host of features related to travel and lifestyle.
- It offers complimentary membership to domestic spas and birthday discounts at Trident hotels across India.
- Airport spa access is also included in benefits
- Low markup fee of 1.5% for international transactions.
- No cancellation charges on booking of hotels and flights.
- Get complimentary rounds of Golf every month.
- Buy one get one free movie ticket from BookMyShow.
- Access to complimentary domestic airport spa under Dreamfolk programme.
- Overall reward rate as per its category
Why We Picked This Card?
The ICICI Bank Emeralde is great if you want to experience the ultra-luxurious benefits that come with memberships such as those of luxury hotel chains like Trident and Taj. The best Axis Bank credit card in this category, the Magnus, is a superb alternative to this one.
6. ICICI Bank HPCL Credit Card
- ICICI Bank HPCL credit card is an all-rounder with benefits extending to various categories like fuel, travel, dining, entertainment, and utility.
- It also offers a decent rewards system using the PAYBACK programme.
- Fuel surcharge waiver of upto 2.5%.
- Welcome benefits of 2000 reward points are offered on paying joining fees.
- 5% reward points earned on groceries and departmental stores.
- Complimentary airport lounge access.
- 25% off on movie tickets using BookMyShow.
- Offers on fine dining using the ICICI bank culinary treats program.
- Accelerated reward system limited to travel and fuel categories.
Why We Picked This Card?
If you frequent HPCL petrol pumps for your car’s needs, it is a good option to go for this card which gives you rewards on your spends and also provides you with a generous fuel surcharge waiver.
7. ICICI Bank Diamant Credit Card
- ICICI Bank Diamant is a super premium credit card, one of the best the bank has to offer.
- It has many features like complimentary Taj Epicure Plus and Inner-Circle Gold.
- Overall, it has a brilliant reward and luxury programme, with splendid dining, shopping, and travel rewards.
Dear Customers,
We have temporarily stopped issuance of the new ICICI Bank Diamant Credit Card. Existing cardholders will continue to get the same benefits on their Credit Card.
- MacBook Air is given as a welcome gift.
- Access to yachts and islands, including private jets.
- Unlimited access to more than 450 international lounges in about 115 countries.
- Membership of the Taj with the complimentary ‘Epicure Plus’ & ‘Inner-circle Gold.’
- The joining fee is extremely steep.
- As per the bank’s terms, it is an invite-only card.
Compare Best ICICI Bank Credit Cards
| Credit Cards | Joining Fees | Annual fee waiver |
|---|---|---|
| Amazon Pay ICICI | 0 | N/A |
| ICICI Bank Coral | Rs 500 | Rs 1.5 lakhs |
| ICICI Bank Rubyx | Rs 3,000 | Rs 3 lakhs |
| ICICI Bank Sapphiro | Rs 6,500 | Rs 6 lakhs |
| ICICI Bank Emeralde | Rs 12,000 | Rs 15 lakhs |
| ICICI Bank HPCL | Rs 500 | Rs 1.5 lakh |
| ICICI Bank Diamant | Rs 1,25,000 | Rs 25 lakhs |
These were our picks for the best ICICI Bank credit cards that you can get in India. Credit cards from ICICI Bank come with rewards-based systems associated with PAYBACK. They also offer a higher level of security in terms of credit shield and lost card liability. One should choose a credit card that suits their lifestyle as well as their spending pattern. You can look for the best IDFC credit card offers if you want lifetime free credit cards. To make the best out of credit cards, you should consider your credit score and annual income. You can check credit card eligibility and other criteria here. Good luck with your research.