A credit card can help you with the basics, but the ICICI credit card is upping its game to give you a ton of rewards. You shouldn’t be surprised that credit cards are doing this, they are in competition for your business. Gone are the days when you had a few cards to choose from, now you are in the driver’s seat and credit card companies need to cater to you.
ICICI Bank offers a suite of credit cards for every type of consumer. There’s a card for earning better rewards points, travel, sports, and classic credit cards. If you are after the rewards, you should choose a card specifically designed for earning more points.
This credit card has gone the air balloon route, to take you up and away with lifestyle rewards. At least that is what they claim to do and so that’s what we’ve investigated all about. We’ve created a guide to find out the best ICICI credit cards for every consumer and if you can find your needs up next then you can think about giving them your business.
What Are The Features Of An ICICI Credit Card?
Are you a frequent traveler who needs a reliable card for your expenses outside India? What you need is an ICICI Platinum Credit Card that can double your rewards for using the card in different transactions. The PAYBACK points let cardholders redeem exciting discounts and lifestyle vouchers.
The points a cardholder can earn depend on the card. For the Platinum credit card, cardholders can earn 2 PAYBACK Points for every Rs 100 spent using the card. There’s also ICICI Bank Emeralde Credit Card that rewards cardholders with a voucher worth Rs 5,000.
Speaking of rewards, ICICI Credit Cardholders can also enjoy exclusive airport spa access, discounts on a gym membership, and get complimentary beauty services with the Emeralde card. This is applicable to partner merchants like VLCC, Richfeel, and Kaya Skin Clinics.
What Are The Cons Of An ICICI Credit Card?
While ICICI Credit Cards are a great addition to your wallet, some cards require more spending from cardholders. For instance, the signup vouchers like the Rs 5,000 points from the Emeralde Credit Card requires an Rs 200,000 spending on the card for the first two months. If you can’t make the minimum spending requirement, you can’t obviously earn the Rs 5,000 worth of voucher.
What Are The Fees Of An ICICI Bank Credit Card?
For the Platinum card, the fees associated with the credit card include an interest rate of 2.49% per month for purchases and cash advances. There is no annual fee or joining fee required. However, there is also a charge of 3.50% on all foreign currency transactions.
Also, when cardholders get a cash advance, they will be charged 2.50% on the advanced amount, subject to a minimum of ₹300-. There is also a charge of up to ₹750 for missing a payment or making a payment late.
How To Apply For An ICICI Credit Card
If you want to apply for an ICICI Credit Card, you need to visit the bank’s website and choose the card you want. Click the Apply Now button to get started with the application. You need to provide information about your personal and financial circumstances.
For some cards like the Emeralde card, additional requirements are needed like having a net monthly salary of Rs 3,00,000 and above. However, for the classic cards, applicants simply need to be in the legal age of 23 years old to apply, plus being employed.
The Bottom Line
Apply for an ICICI Bank Credit Card to enjoy the privileges exclusive for cardholders. Aside from the rewards, cardholders can also benefit from the other features of the ICICI credit card. For more information about other card offers, visit the website of ICICI Bank today.
How To Contact ICICI Bank
Contact ICICI Bank at 1860-120-7777 for all banking concerns, 24/7. You can also reach the bank through 1860-120-3399 or 1860-120-6699. The ICICI Bank headquarters is located at ICICI Bank Tower, 7th Floor, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad, India.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
