ICICI Bank Credit Cards 2025
Explore all credit cards from ICICI Bank. 23 cards ranked by our experts.
Visit Official WebsiteShowing 23 cards
Best for: Movie buffs, golfers, domestic travelers, lifestyle seekers
ICICI Sapphiro
APPLY NOW
on ICICI Bank's website
Annual fee
₹3,500
Rewards rate
₹0.50 - ₹1.00/₹100
Joining fee
₹6,500
Interest rate
40.80%
Card details
Forex Markup
3.50%
Min Monthly Income ₹1
Categories Dining, Entertainment, Lifestyle, Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Welcome vouchers worth Rs 13,000+ on joining
- 4 domestic lounge visits per quarter (with Rs 75K spend)
- 2 international lounge visits per year
- 4 complimentary golf rounds per month
- BookMyShow Buy 1 Get 1 offer (Rs 500 off)
- 15% dining discounts
- Rs 3 Cr air accident cover
- Milestone rewards up to 20,000 points/year
Cons
- High joining fee of Rs 6,500 + GST
- Domestic lounge requires Rs 75K quarterly spend
- High forex markup of 3.5%
- Low point value (Rs 0.25 per point)
- Complex reward structure
Best for: New credit card users, budget-conscious, movie lovers
ICICI Coral
APPLY NOW
on ICICI Bank's website
Annual fee
₹500
Rewards rate
₹0.50/₹100
Joining fee
₹500
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹30
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low Rs 500 fee. Lounge access. 25% off movies. 15% off dining. Rs 1 Cr air cover
Cons
- Low 0.5% rewards. Lounge needs Rs 75K spend. 3.5% forex
Best for: Mid-tier spenders, those seeking welcome vouchers, occasional travelers
ICICI Rubyx
APPLY NOW
on ICICI Bank's website
Annual fee
₹2,000
Rewards rate
₹0.50 - ₹1.00/₹100
Joining fee
₹3,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Rs 5,250 welcome vouchers. 2 domestic lounge visits per quarter. Up to 15,000 bonus points on milestones. Golf rounds on spend. Rs 1 Cr air accident cover. 24x7 concierge service
Cons
- Lounge access requires Rs 75K quarterly spend. Low base reward rate of 0.5%. 3.5% forex markup. Only 2 golf rounds per month max
Best for: Frequent travelers, iShop users, luxury lifestyle seekers, those booking hotels/flights often
ICICI Emeralde
APPLY NOW
on ICICI Bank's website
Annual fee
₹12,000
Rewards rate
₹1.00 - ₹3.00/₹100
Joining fee
₹12,000
Interest rate
23.88%
Card details
Forex Markup
1.50%
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Unlimited domestic & international lounge access. Up to 12X rewards on hotel bookings via iShop. Low 1.5% forex markup. Rs 750 off on BookMyShow. Golf rounds based on spend. Rs 3 Cr air accident cover. Cancellation refund up to Rs 12,000
Cons
- High income requirement (Rs 2L/month salaried). Low base reward value of Rs 0.25. Annual fee of Rs 12,000. Requires Rs 10L spend for fee waiver. Lounge access only for primary cardholder
Best for: Students and young professionals who want a personalized card design
ICICI Bank Expressions
APPLY NOW
on ICICI Bank's website
Annual fee
₹499
Rewards rate
₹0.25 - ₹0.75/₹100
Joining fee
₹499
Interest rate
N/A
Card details
Categories Entry Level, Lifestyle
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹150000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Limited lounge access (4 visits per year)
- High income requirement of ₹300K per month
Best for: Regular fuel users seeking cashback at HPCL stations
ICICI HPCL Super Saver
APPLY NOW
on ICICI Bank's website
Annual fee
₹500
Rewards rate
₹2.00 - ₹12.50/₹100
Joining fee
₹500
Interest rate
N/A
Card details
Forex Markup
3.50%
Categories Fuel, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹150000
- Good reward rate of up to ₹5.00 per ₹100
- Direct cashback instead of points - no redemption hassle
Cons
- Reward rates vary significantly across categories
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High income requirement of ₹300K per month
Best for: Amazon shoppers, Prime members, cashback seekers
Amazon Pay ICICI
APPLY NOW
on ICICI Bank's website
Annual fee
FREE
Rewards rate
₹1.00 - ₹5.00/₹100
Joining fee
FREE
Interest rate
45.60%
Card details
Forex Markup
1.99%
Categories Cashback, Entry Level, Lifetime Free, Shopping
CardNitty's take
Pros
- 5% cashback on Amazon for Prime, Lifetime free, Low forex markup 1.99%, No reward expiry, Instant virtual card
Cons
- No lounge access, No travel benefits, Cashback excluded on fuel/rent/utilities, Lower rewards for non-Prime
ICICI Parakram
APPLY NOW
on ICICI Bank's website
Annual fee
FREE
Rewards rate
₹1.25 - ₹2.50/₹100
Joining fee
FREE
Interest rate
40.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Good insurance coverage up to ₹20 lakh
- Extended interest-free period of 50 days
Cons
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 40.00% on revolving credit
Best for: Frequent Emirates flyers and premium travelers
Emirates Skywards ICICI Emeralde
APPLY NOW
on ICICI Bank's website
Annual fee
₹10,000
Rewards rate
₹2.50/₹100
Joining fee
₹10,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 2.5 Skywards Miles per Rs 100 spend - excellent for Emirates flyers
- 10,000 Skywards Miles as welcome and renewal benefit
- Complimentary Emirates Skywards Silver Tier membership
- Emirates Gold Tier on Rs 15 lakh annual spend with min Rs 50K on Emirates
- Unlimited domestic lounges + Priority Pass for international
- Buy 1 Get 1 on movies via BookMyShow (Rs 750 cap)
Cons
- Rs 10,000 annual fee with no waiver option
- 3.5% forex markup is high for travel card
- Only 1 Skyward Mile per Rs 100 on insurance/utilities
- Best value only for frequent Emirates flyers
ICICI Coral Against FD
APPLY NOW
on ICICI Bank's website
Annual fee
FREE
Rewards rate
₹0.50/₹100
Joining fee
FREE
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Entry Level, Rewards
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: MakeMyTrip frequent users, travel bookings, cashback on travel
MakeMyTrip ICICI Bank
APPLY NOW
on ICICI Bank's website
Annual fee
₹500
Rewards rate
₹0.50 - ₹2.50/₹100
Joining fee
₹500
Interest rate
41.04%
Card details
Forex Markup
3.50%
Categories Lounge Access, Travel
CardNitty's take
Pros
- Excellent travel rewards, MMT cashback, lounge access, low fee
Cons
- Rewards mainly useful for MMT, limited partner value
Best for: Adani ecosystem users, Adani airport travelers
Adani One ICICI Signature
APPLY NOW
on ICICI Bank's website
Annual fee
₹5,000
Rewards rate
₹1.50 - ₹4.25/₹100
Joining fee
₹5,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Lounge Access, Travel
CardNitty's take
Pros
- 7% rewards on Adani One ecosystem (airports, gas, electricity)
- 2% on international spends
- 1.5% on domestic spends
- 4 domestic lounge visits per quarter
- 2 international lounge visits per year
- Rs 2,000 hotel voucher on activation
- Rs 5,000 flight voucher on Rs 25K spend in 60 days
- 1% fuel surcharge waiver
- Fee waiver at Rs 6L spend
Cons
- Higher forex markup of 3.5%
- 0.5% on utility/insurance spends
- High fee waiver threshold (Rs 6L)
- Limited to Adani ecosystem benefits
Best for: Regular Emirates flyers seeking Silver tier benefits
Emirates Skywards ICICI Sapphiro
APPLY NOW
on ICICI Bank's website
Annual fee
₹5,000
Rewards rate
₹2.00/₹100
Joining fee
₹5,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- 2 Skywards Miles per Rs 100 spend - great for frequent flyers
- 5,000 Skywards Miles as welcome bonus annually
- Emirates Silver Tier membership included
- 2 domestic + 2 international lounge visits per quarter
- Buy 1 Get 1 on movies (Rs 500 off on second ticket)
- Silver tier retention on Rs 5 lakh annual spend
Cons
- Rs 5,000 annual fee with no waiver option
- 3.5% forex markup is high
- Only 1 Skyward Mile per Rs 100 on insurance/utilities
- Lounge visits capped at 2 per quarter
Best for: Manchester United fans, movie buffs, dining enthusiasts
Manchester United Platinum
APPLY NOW
on ICICI Bank's website
Annual fee
₹499
Rewards rate
₹0.50 - ₹0.75/₹100
Joining fee
₹499
Interest rate
44.04%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Dining, Entry Level, Rewards
CardNitty's take
Pros
- Complimentary Manchester United-branded football on joining
- 2-3 Reward Points per Rs.100 spent (up to 0.75% base reward rate)
- Extra rewards on Manchester United match days
- 1% fuel surcharge waiver at HPCL pumps
- 25% discount on BookMyShow (up to Rs.100)
- 15% discount at 2500+ restaurants
- Up to 20% off on Manchester United museum & tour
- Low annual fee of Rs.499
Cons
- Low reward rate compared to premium cards
- Limited lounge access (1 per quarter with Rs.75,000 spend)
- High forex markup of 3.5%
- Reward points value at just Rs.0.25
- No international lounge access
- Manchester United merchandise discounts limited to Old Trafford
Best for: UHNIs, executives, luxury travelers
Times Black ICICI Bank
APPLY NOW
on ICICI Bank's website
Annual fee
₹20,000
Rewards rate
₹0.50 - ₹1.25/₹100
Joining fee
₹20,000
Interest rate
42.00%
Card details
Forex Markup
1.49%
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- 2% reward points on all domestic transactions
- Unlimited international airport lounge access
- Exclusive luxury stays and experiences
- Low forex markup of 1.49%
- Fee waiver at Rs 25L annual spend
- Premium concierge service
- Times Internet ecosystem benefits
- Designed for UHNIs
Cons
- Very high annual fee of Rs 20,000 + GST
- Extremely high income requirement
- Very high fee waiver threshold (Rs 25L)
- Lower point value (Rs 0.25)
Best for: Occasional Emirates flyers and beginners
Emirates Skywards ICICI Rubyx
APPLY NOW
on ICICI Bank's website
Annual fee
₹1,000
Rewards rate
₹1.50/₹100
Joining fee
₹1,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Rewards, Travel
CardNitty's take
Pros
- Entry-level Emirates miles card at just Rs 1,000
- 1.5 Skywards Miles per Rs 100 on all spends
- Emirates Blue Tier membership included
- 25% discount on BookMyShow (up to Rs 100)
- 1% fuel surcharge waiver
- 1 domestic lounge visit per quarter (on Rs 75K spend)
Cons
- Lounge access requires Rs 75,000 quarterly spend
- Only Blue tier membership (lowest)
- 3.5% forex markup
- No international lounge access
Best for: Adani ecosystem users and frequent travelers through Adani airports
Adani One ICICI Platinum
APPLY NOW
on ICICI Bank's website
Annual fee
₹750
Rewards rate
₹0.12 - ₹0.75/₹100
Joining fee
₹750
Interest rate
N/A
Card details
Forex Markup
3.50%
Categories Lounge Access, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹300000
- Good reward rate of up to ₹3.00 per ₹100
- Generous 8 domestic lounge visits per year
Cons
- Reward rates vary significantly across categories
- High forex markup of 3.50% on international transactions
- High income requirement of ₹240K per month
Best for: Entry-level card, credit building, low fee
ICICI Platinum Chip
APPLY NOW
on ICICI Bank's website
Annual fee
₹199
Rewards rate
₹0.25/₹100
Joining fee
FREE
Interest rate
41.04%
Card details
Forex Markup
3.50%
Categories Entry Level, Fuel
CardNitty's take
Pros
- Very low/no joining fee, easy approval, fuel surcharge waiver
Cons
- Basic reward rate, no premium benefits
Best for: New to credit users and those building credit score with secured FD card
ICICI Bank Instant Platinum
APPLY NOW
on ICICI Bank's website
Annual fee
FREE
Rewards rate
₹0.50/₹100
Joining fee
FREE
Interest rate
N/A
Card details
Categories Rewards, Secured
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- Reward points may have limited redemption options
Best for: Die-hard Manchester United fans, entertainment enthusiasts, moderate spenders
Manchester United Signature
APPLY NOW
on ICICI Bank's website
Annual fee
₹2,499
Rewards rate
₹0.75 - ₹1.25/₹100
Joining fee
₹2,499
Interest rate
44.04%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Dining, Lounge Access, Rewards
CardNitty's take
Pros
- Manchester United branded Holdall and Football on joining
- 3-5 Reward Points per Rs.100 (up to 1.25% base reward rate)
- 4 RP per Rs.100 on international transactions
- Extra rewards on Manchester United match days
- 2 domestic lounge visits per quarter
- 25% discount on BookMyShow (up to Rs.100)
- 15% discount at 2500+ restaurants
- Up to 20% off on Manchester United museum & tour
Cons
- Rs.2499 annual fee is on the higher side
- Limited lounge access requires Rs.75,000 quarterly spend
- High forex markup of 3.5%
- Reward points value at just Rs.0.25
- Manchester United merchandise discounts limited
- No international lounge access
Best for: Ultra-HNI customers seeking exclusive invite-only premium benefits
ICICI Emeralde Private Metal
APPLY NOW
on ICICI Bank's website
Annual fee
₹12,499
Rewards rate
₹3.00 - ₹5.50/₹100
Joining fee
₹12,499
Interest rate
N/A
Card details
Forex Markup
2.00%
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1000000
- Good reward rate of up to ₹6.00 per ₹100
- Comprehensive insurance coverage up to ₹3 crore
- Complimentary golf privileges
- Spa and wellness benefits
- Low forex markup of 2.00% - great for international spends
Cons
- High annual fee of ₹12499 may not suit everyone
- Significant joining fee of ₹12499
- High income requirement of ₹4200K per month
Best for: Ferrari fans seeking entry-level access to Ferrari privileges
ICICI Ferrari Platinum
APPLY NOW
on ICICI Bank's website
Annual fee
₹499
Rewards rate
₹0.50/₹100
Joining fee
₹1,999
Interest rate
N/A
Card details
Categories Lifestyle
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹150000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High income requirement of ₹180K per month
Best for: Ferrari enthusiasts seeking exclusive Ferrari merchandise and experiences
ICICI Ferrari Signature
APPLY NOW
on ICICI Bank's website
Annual fee
₹999
Rewards rate
₹0.50/₹100
Joining fee
₹3,999
Interest rate
N/A
Card details
Categories Lifestyle, Lounge Access
CardNitty's take
Pros
- Annual fee waiver on spending ₹250000
- Generous 8 domestic lounge visits per year
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- High income requirement of ₹240K per month
- Reward points may have limited redemption options
About ICICI Bank
Card Categories
Quick Links
Find the Best ICICI Bank Card for You
Compare 23 credit cards and choose the one that fits your lifestyle.
View All Cards