In the modern world, people prefer to do card swipes than carrying wads of cash. Credit cards have occupied a significant space in our life. People working in both corporate and government use credit cards to make payments relating to dining, shopping, fueling their vehicles, and a lot more. The toughest task is to select the right card to cater to our essential needs. Choosing the ideal credit card from a reputed company like ICICI Credit Card could be the best choice. Here is the complete information about the ICICI bank credit card.
Overview Of ICICI Credit Cards
ICICI Bank has issued an extensive range of credit cards with exclusive privileges like rewards, discounts, cashback, free airport lounge access waivers on fuel, and a lot more stuff to cater to the financial needs of the cardholder. Read ahead to know how to apply for an ICICI bank credit card and pay your ICICI credit card bill online.
What Are The Eligibility Criteria For An ICICI Credit Card?
To get qualified for an ICICI credit card, you should possess the following eligibility criteria for an ICICI bank credit card.
| Credit score | The applicant should have a credit score of more than 750. |
| Employment type | People who are salaried employees in a company, self-employed, professionals, and businessmen are qualified for an ICICI credit card. |
| Age of the applicant | The person who wants to apply for an ICICI credit card should be in the age group between 21-and 65 years |
| Employment: | No bank would like to trust an applicant who doesn’t have a stable source of income. The employment status of an applicant has a significant impact on his/her chances of getting a Credit Card. Being in a job for over a year increases the chance of substantially as it signals that you have a stable job and will be able to service Credit Card dues on time. |
| Net annual income | The applicant should have a minimum net annual income of Rs. 2.50 lakhs, Rs. 5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, and Rs. 30 lakhs to avail premium quality cards like Coral Card, Platinum Card, Sapphiro Card, Rubyx Card, and Emerald Card. |
| Nationality | The applicant should live in India. |
| Current debt obligations: | When you use a Credit Card, you essentially take on debt. If you already have a lot of debt, it doesn’t make sense for the bank to provide you with a tool for additional debt. |
What Is The Documentation Required To Avail An ICICI Credit Card?
The following are the basic documentation required to avail of an ICICI credit cards
| Income proofs ( anyone)Audit details and balance sheet P&L account details along with ITR Latest salary slip |
| Photograph of the applicant |
| Address proof ( anyone)Aadhar Card Passport Voter’s ID card |
| Photograph ID proof ( anyone)Voter’s ID proofs PAN card details Passport Aaadhar card Driving license |
Documentation Required For A Non-Resident Indian (NRI) to Get An ICICI Credit Card
The following are the basic documentation required for an NRI to avail of an ICICI credit card
- PAN card and KYC documents for primary and add-on users.
- The applicant should submit a Valid overseas or Indian passport with a passport size photograph and signature.
- The applicant should submit a valid Visa or work permit or a resident card.
- Valid Overseas residence address proof is required.
- Valid address proof in the name of the applicant.
What Is ICICI Credit Card Net Banking?
The ICICI Credit Card Net banking is an internet banking facility that allows cardholders to get access to information relating to credit card accounts such as credit and cash limit, balance availability, and unbilled transactions. The ICICI credit card facilitates an instant and convenient transaction without delay.
ICICI Credit Card Login
- Firstly, Login using the given ID and password
- Go to the ‘My Account’ option and select the ‘credit cards’ option.
- Now fill in the required details like credit card number, expiry date, email ID, contact number, address, etc, and then submit the form.
- Fill in the OTP number sent to the registered mobile number.
- Post verification, the bank will link the account with the credit card.
Steps to Pay ICICI Credit Card Bill Online
Many cardholders are unaware of paying credit card bills online. Here are a few easy methods to make ICICI credit card payments online.
Let’s see how to pay the ICICI credit card bill through UPI and BHIM applications:
Step 1: Fill in the 16-digit credit card number
Step 2: Verification of contact number and
Step 3: Fill in the amount you need to pay
Step 4: Develop a QR code
Step 5: Log into the UPI app and scan the QR code
Step 6: Proceed with the payment
Step 7: Get a payment confirmation message
Here are a few steps to pay ICICI credit card bill through Internet Banking:
Step 1: To pay your ICICI credit card bill via internet banking you need to Open the ICICI page on the Finserv Market.
Step 2: Open the payments page and click the ‘transfer’ button.
Step 3 : Now, you should search for the drop-down menu that states Pay Bills.
Step 4: type the credit card details and the amount you want to pay
Step 5: Then click the ‘pay’ button
Step 6: You will get a payment confirmation text message.
ICICI Reward Points
ICICI cardholders will receive reward points on every purchase. Through reward points, the bank offers discounts, captivating gifts, and vouchers. The cardholders can earn ICICI credit card reward points and redeem them for fuel, shopping, money, gift vouchers, etc.
Here are a few best ICICI credit cards with reward points.
| ICICI Bank Coral American Express Card | Grab 2 reward points on every spending worth Rs 100 for all the expenses except fuel. Earn 1 reward point on every spend worth Rs 100 on insurance and utility bills. Get 4 rewards for purchases made online. |
| ICICI Bank Rubyx Credit Card | Pay the joining fee within 30 days to receive a travel voucher worth Rs. 5000. Earn 1 reward on every spend worth Rs 100 on utility-related bills. Earn 3 reward points for every spend worth Rs. 100 on domestic-related expenses and for every Rs. 100 international spend you can earn 6 reward points with ICICI Bank Rubyx American Express Card. |
| ICICI Bank Diamant Credit Card | Earn 3 rewards for every Rs 100 worth of domestic spending. Earn 6 reward points on international swipes. |
| Platinum Chip Credit Card | Earn 2 reward points on every spend worth Rs 200 on all purchases except fuel expenses. Earn 1 reward on every spend worth Rs 100 on utility-related bills. |
| ICICI Bank Sapphiro Credit Card | Earn travel and shopping coupons worth Rs. 10,000 within 45 days after paying the joining fee. Earn 2 reward points ( Rs.100 worth of spending) on domestic-related spending. Earn 4 reward points on international swipes. Earn 1 reward point on every spend worth Rs 100 on fuel, insurance, and utility bills. |
Conclusion
The ICICI credit card helps you to make a timely and secure transaction. You can earn reward points on every swipe and redeem various gifts offered by the ICICI credit card. To grab your ideal card with the best features, check the above steps to avail of an ICICI credit card. In case of credit card-related queries, you can contact the ICICI credit card customer care team.