ICICI BANK Credit Cards
ICICI Bank Credit Cards (India, 2025)
? Popular Credit Cards
- Amazon Pay ICICI Credit Card: Lifetime‑free. Earn 5% cashback on Amazon for Prime users (3% for non‑Prime), 2% via Amazon Pay partners, and 1% on other spends. Fuel surcharge waiver included. :contentReference[oaicite:1]{index=1}
- Coral Credit Card: Annual fee ₹500 (waivable). Earn Payback points (2/₹100), 25% off movie tickets, 1 free lounge per quarter. :contentReference[oaicite:2]{index=2}
- Rubyx Credit Card: Fee ₹3,000 + ₹2,000 annual. Welcome vouchers, accelerated points, 2 domestic lounge entries per quarter, fuel waiver, dining and golf perks. :contentReference[oaicite:3]{index=3}
- Sapphiro Credit Card: Fee ₹6,500 + ₹3,500 annual. 4 lounge entries quarterly via DreamFolks, BOGO movie offers, wellness and travel benefits. :contentReference[oaicite:4]{index=4}
- Emeralde Credit Card: Fee ₹12,000 joining & renewal. Top-tier perks: unlimited lounge access, golf, fuel waivers, high rewards. :contentReference[oaicite:5]{index=5}
? Key Policy Updates (Effective Nov 15, 2024)
- Rewards caps introduced on utility, grocery, insurance spends (₹40k‑₹80k/month depending on card tier). :contentReference[oaicite:6]{index=6}
- 1% transaction fee on education payments via third-party apps, utility spends >₹50k/month, and fuel spends >₹10k/month. :contentReference[oaicite:7]{index=7}
- Lounge access now requires a minimum spend of ₹75,000 in the previous quarter; POS-only spend qualifies (not UPI/online). :contentReference[oaicite:8]{index=8}
- Annual fee waiver for Emeralde cards requires ₹10 lakh yearly spend (down from ₹15 lakh). :contentReference[oaicite:9]{index=9}
- Supplementary card fee set at ₹199. Late payment fees updated to tiered structure up to ₹1,300. Finance charges up to 3.75%/month (~45% p.a.). :contentReference[oaicite:10]{index=10}
? Card Comparison
| ਕਾਰਡ | Fee (Joining / Annual) | Top Benefits | ਲਾਊਂਜ ਐਕਸੈਸ |
|---|---|---|---|
| Amazon Pay ICICI | ₹0 / ₹0 (Lifetime Free) | 5% cashback on Amazon (Prime), 1% elsewhere, fuel waiver | ਨਹੀਂ |
| ਪਲੈਟੀਨਮ ਚਿਪ | ₹0 / ₹0 | 2 PAYBACK/₹100, dining discounts, fuel waiver | ਨਹੀਂ |
| ਕੋਰਲ | ₹500 / ₹500 (waivable) | Rewards, movie discounts, 1 lounge/quarter | Yes (if eligible) |
| Rubyx | ₹3,000 / ₹2,000 | Accelerated rewards, dining, golf, 2 lounges/quarter | Yes |
| Sapphiro | ₹6,500 / ₹3,500 | Premium perks, 4 lounge entries, wellness, travel | Yes |
| Emeralde | ₹12,000 / ₹12,000 | Unlimited lounge, fuel waiver, golf, high rewards | ਅਸੀਮਤ |
✅ Which Card Suits You?
- Zero fees & simple cashback: Amazon Pay, Platinum Chip
- Regular spenders & entertainment benefits:ਕੋਰਲ
- Lifestyle, dining & travel: Rubyx, Sapphiro
- Elite & high spend users: Emeralde
? Notes to Keep in Mind
- Lounge eligibility now strictly POS-based spends—UPI/online transactions don’t count. :contentReference[oaicite:11]{index=11}
- Meeting eligibility spends doesn’t lead to refund of fees already charged (e.g. Rubyx annual fee). :contentReference[oaicite:12]{index=12}
- Thanks to aggregated reports, policy clarity around reward caps and lounge access is crucial before choosing. :contentReference[oaicite:13]{index=13}
Apply online via the ICICI Bank website or the iMobile app.
