Best ICICI Bank Credit Cards 2026

ICICI Bank credit cards span premium travel (Emeralde, Sapphiro) to everyday cashback (Amazon Pay ICICI). The MINE card caters to millennials.

Top ICICI Bank Credit Cards in India 2026

ICICI Bank Emeralde Credit Card

4.8/5
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ICICI Bank Emeralde Credit Card by ICICI Bank
Joining Fee ₹12,000 + Taxes
Annual Fee ₹12,000 + Taxes
Best Suited For Unlimited Airport Lounge & Golf Privileges
Rewards Type Reward Points

Rewards Rate

4 Reward Points per ₹100 spent on all categories

Welcome Benefits

Complimentary golf and lounge access from day one; welcome offer varies by current promotion

Card Details +

Key Advantages

  • ✓ Unlimited complimentary domestic and international airport lounge access
  • ✓ Complimentary golf round/lesson per ₹50,000 monthly spend, up to 4/month
  • ✓ 4 Reward Points per ₹100 spent across all categories
  • ✓ Fee waiver threshold (Annual fee waived on ₹15 Lakh annual retail spends)

Limitations

  • ✕ ₹12,000 fee needs ₹15 Lakh annual spend to waive
  • ✕ Golf rounds capped at 4/month regardless of higher spends
  • ✕ No dedicated airline mile transfer program, unlike travel-focused cards
Full Card Review →

ICICI Bank Sapphiro Credit Card

4.7/5
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ICICI Bank Sapphiro Credit Card by ICICI Bank
Joining Fee ₹3,500 + Taxes
Annual Fee ₹3,500 + Taxes
Best Suited For Luxury Gemstone Privileges & BOGO Movies
Rewards Type Reward Points

Rewards Rate

2 Reward Points per ₹100 on domestic spends; 4 points per ₹100 on international spends

Welcome Benefits

Up to ₹9,000 in welcome vouchers + 4,000 Reward Points on ₹4 Lakh spend

Card Details +

Key Advantages

  • ✓ Complimentary golf: 1 round per ₹50,000 monthly spend, up to 48 rounds/year
  • ✓ 4 domestic lounge visits/quarter + 2 international visits/year
  • ✓ Up to ₹9,000 in welcome vouchers on joining
  • ✓ Fee waiver threshold (Annual fee waived on ₹6 Lakh annual retail spends)

Limitations

  • ✕ Lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Reward points redeem at a modest ₹0.25 per point
  • ✕ ₹6,500 joining fee is high relative to the ₹3,500 renewal fee
Full Card Review →

ICICI Bank Emeralde Private Metal Credit Card

4.6/5
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ICICI Bank Emeralde Private Metal Credit Card by ICICI Bank
Joining Fee ₹12,499 + Taxes
Annual Fee ₹12,499 + Taxes
Best Suited For Luxury Travelers & High Spenders
Rewards Type Reward Points

Rewards Rate

6 Reward Points per ₹200 spent (3% base rate) on all standard categories

Welcome Benefits

12,500 Reward Points + complimentary Taj Epicure Plus and EazyDiner Prime memberships on joining

Card Details +

Key Advantages

  • ✓ Unlimited complimentary domestic and international airport lounge access, including a generous guest allowance
  • ✓ 6 Reward Points per ₹200 spent (3% base rate) on all standard categories
  • ✓ 2% forex markup on international spends, lower than most premium cards
  • ✓ 1.99% monthly interest rate if you carry a balance, competitive for this card tier
  • ✓ Dedicated concierge service for travel and lifestyle bookings

Limitations

  • ✕ Premium standalone annual entry fee of ₹12,499 processed upfront
  • ✕ No programmatic direct point-to-mile transfer options to airline systems
  • ✕ Highly restrictive invitation-only or select wealth relationship requirement
Full Card Review →

ICICI Amazon Pay Credit Card

4.5/5
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ICICI Amazon Pay Credit Card by ICICI Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Amazon Shoppers & Digital Payments
Rewards Type Cashback

Rewards Rate

5% on Amazon (Prime members); 3% (non-Prime); 2% on Amazon Pay merchants; 1% everywhere else

Welcome Benefits

Up to ₹2,000 in Amazon Pay balance + lifestyle vouchers (EazyDiner, Ixigo) on joining

Card Details +

Key Advantages

  • ✓ Zero annual fee, genuinely lifetime free
  • ✓ 5% cashback on Amazon for Prime members
  • ✓ Up to ₹2,000 Amazon Pay balance + EazyDiner & Ixigo vouchers on joining
  • ✓ 2% cashback on 100+ Amazon Pay partner merchants
  • ✓ Cashback credited directly to Amazon Pay balance, with no minimum redemption threshold

Limitations

  • ✕ Only 1% cashback on non-Amazon/non-Amazon Pay spends
  • ✕ Best value tied to an Amazon Prime subscription
  • ✕ No lounge access benefits
  • ✕ Purely cashback, with no travel miles or reward point option
Full Card Review →

ICICI Bank Rubyx Credit Card

4.4/5
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ICICI Bank Rubyx Credit Card by ICICI Bank
Joining Fee ₹3,000 + Taxes
Annual Fee ₹3,000 + Taxes
Best Suited For Dual Card Benefits & Golf Rounds
Rewards Type Reward Points

Rewards Rate

2 Reward Points per ₹100 on domestic spends (except fuel); 4 points per ₹100 on international spends

Welcome Benefits

Up to 15,000 Reward Points achievable annually via spend milestones

Card Details +

Key Advantages

  • ✓ Dual card: linked Mastercard/Amex or Visa/RuPay pair on one account
  • ✓ 1 golf round per ₹50,000 monthly spend, up to 2 rounds/month
  • ✓ 2 domestic lounge visits/quarter plus 1 railway lounge visit/quarter
  • ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Limitations

  • ✕ Lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Fuel spends are excluded from reward point earning
  • ✕ Golf capped at 2 rounds/month even on higher spends
Full Card Review →

ICICI Bank Expression Credit Card

4.2/5
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ICICI Bank Expression Credit Card by ICICI Bank
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Custom Image Card Face Design
Rewards Type Reward Points

Rewards Rate

3 PAYBACK Points per ₹100 on all categories; 1 point per ₹100 on utility & insurance

Welcome Benefits

Welcome benefits vary by current offer

Card Details +

Key Advantages

  • ✓ Customizable card design from 175+ options across Zodiac, Sports & Travel themes
  • ✓ 3 PAYBACK Points per ₹100 spent on all categories
  • ✓ Low ₹499 fee with an easily reachable ₹1.5 Lakh waiver threshold
  • ✓ Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)

Limitations

  • ✕ Lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Reduced 1 point per ₹100 on utility and insurance spends
  • ✕ Card design customization is the main differentiator, not rewards value
Full Card Review →

ICICI Bank Coral Credit Card

4.1/5
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ICICI Bank Coral Credit Card by ICICI Bank
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Best Suited For Everyday Dining & Movie Discounts
Rewards Type Reward Points

Rewards Rate

2 Reward Points per ₹100 spent; 10,000 bonus Reward Points achievable annually

Welcome Benefits

Welcome benefits vary by current offer; 10,000 bonus Reward Points achievable annually via milestones

Card Details +

Key Advantages

  • ✓ 15%+ dining discount at 2,500+ Culinary Treats partner restaurants
  • ✓ 25% off (up to ₹100) on 2 BookMyShow/INOX movie tickets, twice a month
  • ✓ 4 complimentary railway lounge visits annually
  • ✓ Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)

Limitations

  • ✕ Lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Movie discount requires ₹25,000 spend in the preceding quarter
  • ✕ Base reward rate of 2 points per ₹100 is modest
Full Card Review →

ICICI Bank HPCL Super Saver Credit Card

4.0/5
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ICICI Bank HPCL Super Saver Credit Card by ICICI Bank
Joining Fee Joining/Annual Fee: ₹500 + Taxes
Annual Fee Joining/Annual Fee: ₹500 + Taxes
Best Suited For Fuel Spends at HPCL Outlets via HP Pay and Daily Household Utility/Grocery Bills
Rewards Type Reward Points

Rewards Rate

4% savings (via 24 reward points per ₹100 spent) on fuel purchases at HPCL pumps when paid via the HP Pay App; 2.5% savings (via 15 reward points per ₹100 spent) on groceries, departmental stores, and utility bill payments; 2 reward points per ₹100 spent on all other retail transactions

Welcome Benefits

2,000 ICICI Bank Reward Points + ₹100 cashback in the HP Pay wallet upon card activation and meeting onboarding payment terms

Card Details +

Key Advantages

  • ✓ Up to 5% combined value back on HPCL fuel purchases (rewards plus surcharge waiver)
  • ✓ 2.5% back on groceries, utilities and department stores
  • ✓ Welcome bonus offsets the joining fee
  • ✓ Fee waived on ₹1.5 lakh in annual spend
  • ✓ Includes complimentary domestic airport lounge access

Limitations

  • ✕ The top 4% fuel rate only applies to payments made through the HP Pay app
  • ✕ Monthly statement cycle capping limits are tightly enforced across both fuel and lifestyle reward categories
  • ✕ Excludes traditional premium lifestyle rewards like international lounge access or movie milestone gift codes
Full Card Review →

ICICI Platinum Chip Credit Card

3.7/5
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ICICI Platinum Chip Credit Card by ICICI Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For First-Time Credit Card Users
Rewards Type Cashback

Rewards Rate

2 PAYBACK points per ₹100 on all retail spends (excluding fuel); 25% off at partner restaurants

Welcome Benefits

2 PAYBACK points per ₹100 on every spend from day 1

Card Details +

Key Advantages

  • ✓ No annual fee, genuinely lifetime free
  • ✓ Simple flat 2 PAYBACK points on every ₹100 spend
  • ✓ 25% dining discount at 2,500+ Culinary Partner restaurants
  • ✓ Contactless chip card with enhanced security
  • ✓ Easy approval, ideal for credit beginners

Limitations

  • ✕ Low reward rate compared to paid premium cards
  • ✕ No lounge access
  • ✕ No travel benefits
  • ✕ PAYBACK points have limited redemption options
Full Card Review →

Adani One ICICI Signature Credit Card

4.6/5
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Adani One ICICI Signature Credit Card by ICICI Bank
Joining Fee ₹5,000 + Taxes
Annual Fee ₹5,000 + Taxes
Best Suited For Adani Airport Valet & Duty Free Perks
Rewards Type Reward Points

Rewards Rate

7% Adani Reward Points on Adani One spends; 2% on international; 1.5% on domestic; 0.5% on utility & insurance

Welcome Benefits

Welcome benefits vary by current offer

Card Details +

Key Advantages

  • ✓ 7% Adani Reward Points on Adani One ecosystem spends
  • ✓ 4 domestic lounge visits/quarter plus 2 international visits/year via Priority Pass
  • ✓ Complimentary porter services & premium car parking at Adani airports
  • ✓ Fee waiver threshold (Annual fee waived on ₹6 Lakh annual retail spends)

Limitations

  • ✕ Lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Base reward rate outside the Adani ecosystem is just 1.5-2%
  • ✕ Airport perks are concentrated at Adani-managed airports only
Full Card Review →

MakeMyTrip ICICI Signature Credit Card

4.6/5
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MakeMyTrip ICICI Signature Credit Card by ICICI Bank
Joining Fee ₹2,500 + Taxes
Annual Fee ₹2,500 + Taxes
Best Suited For Frequent MMT Travelers & MMT Black Privileges
Rewards Type Reward Points

Rewards Rate

6% myCash on MMT hotel bookings; 3% on flights, holidays, cabs & bus via MMT; 1% on other spends

Welcome Benefits

₹1,500 MMT MyCash bonus + complimentary MMTBLACK Gold membership on joining

Card Details +

Key Advantages

  • ✓ ₹1,500 MMT MyCash bonus on joining, plus complimentary MMTBLACK Gold membership
  • ✓ 6% myCash on MMT hotel bookings, 3% on flights/holidays/cabs/bus
  • ✓ International airport lounge access included
  • ✓ Fee waiver threshold (Includes ₹1,500 MMT MyCash bonus on joining)

Limitations

  • ✕ Domestic lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Base reward rate on non-MMT spends is just 1%
  • ✕ myCash is most valuable when redeemed within MakeMyTrip
Full Card Review →

Times Black ICICI Bank Credit Card

4.2/5
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Times Black ICICI Bank Credit Card by ICICI Bank
Joining Fee ₹20,000 + Applicable Taxes
Annual Fee ₹20,000 + Applicable Taxes
Best Suited For Premium Lifestyle Experiences, Luxury Stay Vouchers, and Media Subscriptions
Rewards Type Reward Points

Rewards Rate

3 reward points per ₹100 spent across all categories

Welcome Benefits

20,000 bonus reward points on making the first transaction within the first 30 days of card issuance

Card Details +

Key Advantages

  • ✓ High-value milestone rewards including luxury resort stays fully offsetting the annual fee
  • ✓ Ultra-low foreign currency markup fee of 1.49%
  • ✓ Access to select entertainment events and fine dining experiences
  • ✓ Absolute zero fee charged on credit card cash withdrawals
  • ✓ Premium international media platform subscriptions available for just ₹1

Limitations

  • ✕ Very high standard joining and annual fee barrier of ₹20,000
  • ✕ Extremely steep spending target of ₹25 Lakh required for an ongoing annual fee waiver
  • ✕ Rewards are most valuable if your spending lines up with the card's partner brands, less useful otherwise
Full Card Review →

Adani One ICICI Platinum Credit Card

4.2/5
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Adani One ICICI Platinum Credit Card by ICICI Bank
Joining Fee ₹750 + Taxes
Annual Fee ₹750 + Taxes
Best Suited For Adani One Flight & Airport Perks
Rewards Type Reward Points

Rewards Rate

3% Adani Reward Points on Adani ecosystem spends; 1.5% on international; 1% on other spends; 0.5% on utility & insurance

Welcome Benefits

Welcome benefits vary by current offer

Card Details +

Key Advantages

  • ✓ 3% Adani Reward Points on Adani One ecosystem spends
  • ✓ 8 domestic lounge visits/year plus porter services & car parking at Adani airports
  • ✓ Rewards redeemable across flights, hotels, cabs & Adani airport duty-free
  • ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Limitations

  • ✕ Lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Base reward rate outside the Adani ecosystem is just 1%
  • ✕ Airport perks are limited to Adani-managed airports only
Full Card Review →

MakeMyTrip ICICI Credit Card

4.2/5
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MakeMyTrip ICICI Credit Card by ICICI Bank
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Best Suited For MakeMyTrip Flight & Hotel Bookings
Rewards Type Reward Points

Rewards Rate

6% myCash on MMT hotel bookings; 3% on flights, holidays, cabs & bus via MMT; 1% on other spends

Welcome Benefits

Complimentary 1-year MMTBLACK Gold membership on activation

Card Details +

Key Advantages

  • ✓ 6% myCash on MMT hotel bookings, 3% on flights/holidays/cabs/bus
  • ✓ Complimentary 1-year MMTBLACK Gold membership with zero cancellation fees
  • ✓ myCash never expires, redeemable 1:1 for any MMT travel booking
  • ✓ Fee waiver threshold (Includes ₹500 MMT MyCash bonus on joining)

Limitations

  • ✕ Domestic lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Base reward rate on non-MMT spends is just 1%
  • ✕ myCash is most valuable when redeemed within MakeMyTrip
Full Card Review →

HPCL ICICI Coral Credit Card

4.1/5
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HPCL ICICI Coral Credit Card by ICICI Bank
Joining Fee ₹199 + Taxes
Annual Fee ₹199 + Taxes
Best Suited For HPCL Fuel Pumps & Daily Commuters
Rewards Type Reward Points

Rewards Rate

2.5% cashback (up to ₹100) on HPCL fuel + 1% surcharge waiver; 2 points per ₹100 on retail; 1 point per ₹100 on utility & insurance

Welcome Benefits

Welcome benefits vary by current offer

Card Details +

Key Advantages

  • ✓ Up to 3.5% total savings on HPCL fuel (cashback + surcharge waiver)
  • ✓ 25% off (up to ₹100) on 2 BookMyShow/INOX movie tickets, twice a month
  • ✓ Very low ₹199 annual fee, among the cheapest fuel cards on the market
  • ✓ Fee waiver threshold (Annual fee waived on ₹50,000 annual retail spends)

Limitations

  • ✕ No airport lounge access, unlike ICICI HPCL Super Saver
  • ✕ Fuel cashback is capped at ₹100 per statement cycle
  • ✕ Base reward rate on non-fuel retail is a modest 2 points per ₹100
Full Card Review →

ICICI Bank Credit Cards at a Glance

Best ICICI Bank Credit Cards Comparison Table
Card Fee Rating
1. ICICI Bank Emeralde Credit Card ₹12,000 + Taxes ★ 4.8 View →
2. ICICI Bank Sapphiro Credit Card ₹3,500 + Taxes ★ 4.7 View →
3. ICICI Bank Emeralde Private Metal Credit Card ₹12,499 + Taxes ★ 4.6 View →
4. ICICI Amazon Pay Credit Card Free ★ 4.5 View →
5. ICICI Bank Rubyx Credit Card ₹3,000 + Taxes ★ 4.4 View →
6. ICICI Bank Expression Credit Card ₹499 + Taxes ★ 4.2 View →
7. ICICI Bank Coral Credit Card ₹500 + Taxes ★ 4.1 View →
8. ICICI Bank HPCL Super Saver Credit Card Joining/Annual Fee: ₹500 + Taxes ★ 4.0 View →
9. ICICI Platinum Chip Credit Card Free ★ 3.7 View →
10. Adani One ICICI Signature Credit Card ₹5,000 + Taxes ★ 4.6 View →
11. MakeMyTrip ICICI Signature Credit Card ₹2,500 + Taxes ★ 4.6 View →
12. Times Black ICICI Bank Credit Card ₹20,000 + Applicable Taxes ★ 4.2 View →
13. Adani One ICICI Platinum Credit Card ₹750 + Taxes ★ 4.2 View →
14. MakeMyTrip ICICI Credit Card ₹500 + Taxes ★ 4.2 View →
15. HPCL ICICI Coral Credit Card ₹199 + Taxes ★ 4.1 View →

Frequently Asked Questions

What are ICICI Bank's most premium credit cards?

ICICI Bank Emeralde Private Metal (invite-only) and Times Black sit at the top of ICICI's lineup, followed by Emeralde, Sapphiro, and Rubyx.

What is the minimum income needed for an ICICI Bank credit card?

ICICI Bank typically requires a minimum annual income of ₹2,40,000 for salaried applicants and ₹3,60,000 for self-employed applicants, though this varies by card.

Does ICICI Bank offer a card against Fixed Deposit?

Yes, ICICI Bank's Cards Against Fixed Deposit let you access credit while your FD continues earning interest, which is useful if you don't meet standard income criteria.

What is ICICI Bank's standard finance charge on credit cards?

ICICI Bank's finance charges go up to 3.75% per month on revolving balances, in addition to any joining, annual, and late payment fees.

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