What are the lounge access spend criteria for ICICI Bank credit cards in 2025–2026?

ICICI Bank requires primary cardholders to have spent at least ₹75,000 in the preceding calendar quarter on eligible retail transactions to unlock complimentary domestic airport lounge access for the subsequent quarter on popular cards such as Coral, Rubyx, Sapphiro, MakeMyTrip Signature, HPCL Super Saver, and Adani One. Ultra-premium tiers like the ICICI Bank Emeralde Private Metal Credit Card offer unconditional unlimited worldwide lounge access with zero quarterly spend hurdles.

Why is the Amazon Pay ICICI Bank Credit Card so popular and how does the cashback work?

The Amazon Pay ICICI Bank Credit Card is 100% Lifetime Free unconditionally with zero joining and annual fees. It provides unlimited 5% cashback on Amazon.in for Amazon Prime members (3% for non-Prime members), 2% cashback on 100+ partner digital services (including Swiggy, Uber, flight bookings, and utility bill recharges via Amazon Pay), and 1% flat cashback on all other retail card swipes. Cashback is automatically calculated and credited directly to your Amazon Pay wallet balance at the end of each billing statement cycle, eliminating any point redemption friction or expiration worries.

Can I link my ICICI Bank credit card to UPI apps like Google Pay, PhonePe, or Paytm?

Yes! ICICI Bank credit cards issued on the RuPay network—such as the ICICI Bank Coral RuPay, HPCL Super Saver RuPay, Parakram Select RuPay, and Coral Secured RuPay—can be linked directly to BHIM, Google Pay, PhonePe, Paytm, and Navi apps. You can scan merchant UPI QR codes across India to make instant payments directly from your card’s credit line while enjoying an interest-free credit cycle of up to 50 days.

What is the ICICI Bank Alumni Program for Sapphiro and Rubyx cards?

Under the ICICI Bank Alumni Program, graduates and alumni of designated Tier-1 Indian colleges (including select IITs, IIMs, BITS Pilani, NITs, XLRI, and top medical/law colleges) can apply for premium ICICI cards such as the ICICI Sapphiro Credit Card (normally ₹6,500 joining / ₹3,500 annual fee) or ICICI Rubyx Credit Card completely Lifetime Free (LTF) with zero joining and zero recurring annual fees.

How do ICICI Bank Reward Points work and how can they be redeemed?

Cardholders earn ICICI Reward Points on standard retail spending, which can be redeemed on the ICICI Rewards / Rewards360 portal for flights, hotels, brand gift vouchers (Amazon, Flipkart, Myntra, etc.), merchandise, or statement credit on select corporate cards. The typical redemption value is ₹0.25 per ICICI Reward Point. A redemption convenience fee of ₹99 + GST applies per redemption request on general ICICI Reward Points. Co-branded cards like Amazon Pay (auto-credit ₹1.00), MakeMyTrip (1 myCash = ₹1.00), and Adani One (1 Adani Point = ₹1.00) do not incur redemption convenience charges.

What are the interest rates (finance charges) and late payment fees on ICICI Bank credit cards?

According to the ICICI Bank Most Important Terms and Conditions (MITC), standard credit cards carry finance charges ranging from 3.50% to 3.75% per month (42.0% to 45.0% per annum) calculated on revolving balances from the transaction date. Late payment fees are tiered by total outstanding balance: Nil for amounts up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹900 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; and ₹1,300 for balances exceeding ₹50,000 (+18% GST).

What is the Foreign Currency (Forex) markup on ICICI Bank credit cards?

Standard ICICI Bank cards charge a foreign currency transaction markup of 3.50% + GST. Premium aviation and co-brand cards offer lower rates: ICICI Emirates Skywards Sapphiro charges 1.99% + GST, Adani One Signature charges 2.00% + GST, and the flagship ICICI Emeralde Private Metal Credit Card features a competitive low 1.50% + GST forex markup, making it ideal for international vacations and cross-border SaaS subscriptions.

What documents are required to apply for an ICICI Bank credit card?

Applicants need: 1) Identity Proof (PAN Card is mandatory, plus Aadhaar, Passport, or Voter ID); 2) Address Proof (Aadhaar Card, Passport, or utility bill within 2 months); 3) Income Proof for Salaried (last 3 months salary slips with 3 months bank statements showing salary credit); or 4) Income Proof for Self-Employed (last 2 years ITR with computation sheet and balance sheet). Existing ICICI savings or salary account holders are frequently eligible for pre-approved credit cards with instant paperless Video KYC.

What makes the ICICI Bank Emeralde Private Metal Credit Card unique?

The ICICI Emeralde Private Metal Credit Card is ICICI Bank’s super-premium metal offering. It provides unconditional unlimited domestic and international airport lounge access via Priority Pass for primary and add-on cardholders with zero spend hurdles. It also delivers a flat 3.0% uncapped reward return on all retail spends, a low 1.50% forex markup, Buy 1 Get 1 free movie tickets on BookMyShow (up to ₹750 off twice a month), unlimited golf access, and complimentary Taj Epicure and Club Marriott memberships.

How does the ICICI Bank Coral Secured Credit Card against Fixed Deposit (FD) work?

The ICICI Coral Secured Credit Card is issued instantly with guaranteed 100% approval against an ICICI Bank Fixed Deposit (minimum FD of ₹50,000). No income proof, salary slips, or existing CIBIL credit score checks are required. You get a credit limit of up to 85%–90% of your fixed deposit while the deposit continues to earn full interest, allowing students, homemakers, and credit repairers to build a solid CIBIL score while enjoying Coral lifestyle and lounge benefits.

Best ICICI Bank Credit Cards in India (2026) | Compare Offers & Rewards | Grofi

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Showing 1–6 of 20 ICICI Bank cards • Page 1 of 4

Amazon Pay ICICI Bank Credit Card

Visa • E-Commerce Cashback & Shopping

FeeNil (Lifetime Free)

Rewards5% unlimited cashb

Truly uncapped 5% cashback on Amazon purchases with zero monthly maximums.
Direct automatic monthly credit straight to your Amazon Pay wallet balance without redemption fees.

Best Starter & UPI Pick

ICICI Bank Coral Credit Card (RuPay Variant)

RuPay • Everyday Shopping & UPI

Fee₹500 + GST

Rewards2 Reward Points pe

RuPay enabled for seamless merchant QR code scan-and-pay UPI transactions.
25% discount on movie tickets (up to ₹100 off, twice a month) on BookMyShow (requires ₹25,000 prior-quarter spend) and INOX.

Zero Maintenance Starter

ICICI Bank Platinum Chip Credit Card

Visa • Starter & Credit Builder

FeeNil (Lifetime Free)

Rewards2 Reward Points pe

100% Lifetime Free credit card with zero hidden annual charges.
1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 across HPCL pumps.

Dual-Network Lifestyle Pick

ICICI Bank Rubyx Credit Card

Mastercard & American Express (Dual Card Pack) / Visa / RuPay • Mid-Tier Lifestyle & Dual Network

Fee₹2,000 + GST

Rewards2X rewards on inte

Available as a dual card pack (Mastercard + Amex) or Visa/RuPay sharing a single credit limit and consolidated statement.
25% discount (up to ₹150 off on 2+ tickets, twice a month) on BookMyShow (requires ₹25,000 prior-quarter spend) and INOX.

Popular Alumni & Premium Pick

ICICI Bank Sapphiro Credit Card

Mastercard & American Express (Dual Card Pack) / Visa / RuPay • Premium Lifestyle & Golf

Fee₹3,500 + GST (Waived under Alumni Program)

Rewards2X rewards on inte

Buy 1 Get 1 free movie ticket on BookMyShow (up to ₹500 off on second ticket, twice a month; subject to ₹25,000 prior-quarter spend).
Up to 4 complimentary golf rounds/lessons every month (1 round per ₹50,000 spent in the previous calendar month).

Legacy MMT Travel Co-Brand

MakeMyTrip ICICI Bank Signature Credit Card

Mastercard / Visa • Travel, Flights & Hotels

FeeNil on legacy Signature (₹999 + GST on new unified MMT card, waived at ₹3,00,000 annual spend)

RewardsUp to 4 myCash per

Zero annual recurring fees after the one-time initial joining payment on the Signature variant.
myCash converts 1:1 into Indian Rupees directly on MakeMyTrip flight and hotel checkouts with no usage caps.

Showing 1–6 of 20 ICICI Bank cards (Page 1 of 4)

Side-by-Side Comparison Matrix

Key ICICI Bank Cards at a Glance

Compare fees, maximum reward yields, airport lounge perks, and waiver milestones across flagship ICICI Bank cards side by side.

Comparing 20 cards

Side-by-side view (20 cards)← Swipe horizontally →

Card SpecsComparison	Best Starter & UPI Pick ICICI Bank Coral Credit Card (RuPay Variant) Everyday Shopping & UPI	Legacy MMT Travel Co-Brand MakeMyTrip ICICI Bank Signature Credit Card Travel, Flights & Hotels	Legacy Premium Tier ICICI Bank Emeralde Credit Card (Plastic) Premium Lifestyle & Travel	Mid-Tier Airline Pick Emirates Skywards ICICI Bank Rubyx Credit Card Aviation & Overseas Travel	Most Popular Lifetime Free Card Amazon Pay ICICI Bank Credit Card E-Commerce Cashback & Shopping	Zero Maintenance Starter ICICI Bank Platinum Chip Credit Card Starter & Credit Builder	Dual-Network Lifestyle Pick ICICI Bank Rubyx Credit Card Mid-Tier Lifestyle & Dual Network	Popular Alumni & Premium Pick ICICI Bank Sapphiro Credit Card Premium Lifestyle & Golf	Best Fuel Value-Back ICICI Bank HPCL Super Saver Credit Card Fuel, Grocery & Utilities	Airport Ecosystem Card Adani One ICICI Bank Platinum Credit Card Airport Transit & Travel	Ultimate Luxury Flagship ICICI Bank Emeralde Private Metal Credit Card Super-Premium Metal Luxury	Premium Airport Transit Card Adani One ICICI Bank Signature Credit Card Airport Ecosystem & Premium Travel	Legacy Budget MMT Pick MakeMyTrip ICICI Bank Platinum Credit Card Budget Travel & Vacations	Best for Emirates Regulars Emirates Skywards ICICI Bank Sapphiro Credit Card Aviation & Luxury Transit	Football Fan Specialist Manchester United ICICI Bank Signature Credit Card Sports & Entertainment	Personalized Photo Card ICICI Bank Expressions Credit Card Custom Photo Personalization	Exclusive for Defense Personnel ICICI Bank Parakram Select RuPay Credit Card Defense & Armed Forces	100% Guaranteed Approval ICICI Bank Coral Secured Credit Card (FD-Backed) Secured & Credit Builder	Business Expense Manager ICICI Bank Business Advantage Credit Card (Blue / Black) MSME & Commercial Working Capital	Enterprise Expense Manager ICICI Bank Corporate Credit Card (Gold / Platinum) Corporate Enterprise & ERP
Annual FeePer year	₹500 + GST	Nil on legacy Signature (₹999 + GST on new unified MMT card, waived at ₹3,00,000 annual spend)	₹12,000 + GST (Or ₹1,000 + GST/month option)	₹1,000 + GST	Nil (Lifetime Free)	Nil (Lifetime Free)	₹2,000 + GST	₹3,500 + GST (Waived under Alumni Program)	₹500 + GST	₹750 + GST	₹12,499 + GST	₹5,000 + GST	Nil (Lifetime Free renewal model on legacy Platinum)	₹5,000 + GST	₹2,499 + GST	₹499 + GST	Nil (Lifetime Free for Defense & Paramilitary Personnel)	₹500 + GST	₹500 + GST (Blue) / ₹1,000 + GST (Black)	Varies based on enterprise arrangement
Joining FeeOne-time fee	₹500 + GST (Frequently issued Lifetime Free under pre-approved bank offers)	₹2,500 + GST (Legacy variant; replaced by ₹999 + GST unified MMT card for new applicants)	₹12,000 + GST (Or ₹1,000 + GST/month option)	₹1,000 + GST	Nil (Lifetime Free)	Nil (Lifetime Free)	₹3,000 + GST (Frequently offered Lifetime Free to alumni & corporate tie-ups)	₹6,500 + GST (Widely issued Lifetime Free under ICICI Alumni Program)	₹500 + GST	₹750 + GST	₹12,499 + GST	₹5,000 + GST	₹500 + GST (Legacy variant; replaced by ₹999 + GST unified MMT card for new applicants)	₹5,000 + GST	₹2,499 + GST	₹499 + GST	Nil (Lifetime Free for Defense & Paramilitary Personnel)	₹500 + GST	₹500 + GST (Blue) / ₹1,500 + GST (Black)	Varies based on enterprise arrangement
Waiver SpendAnnual milestone	Waived on annual retail spends of ₹1,50,000 or more	Lifetime Free renewal after one-time joining fee on legacy Signature	Waived on annual retail spends of ₹10,00,000 or more (₹15,00,000 for monthly fee plan)	No spend-based waiver; compensated with 1,000 renewal Skywards Miles	Lifetime Free unconditionally	Lifetime Free unconditionally	Waived on annual retail spends of ₹3,00,000 or more	Waived on annual retail spends of ₹6,00,000 or more (or Lifetime Free via Alumni)	Waived on annual retail spends of ₹1,50,000 or more	Waived on annual retail spends of ₹3,00,000 or more	Waived on annual retail spends of ₹10,00,000 or more	Waived on annual retail spends of ₹6,00,000 or more	Lifetime Free renewal after one-time initial joining fee	No spend-based waiver; compensated with 5,000 bonus Skywards Miles upon annual renewal	Waived on annual retail spends of ₹2,50,000 or more	Waived on annual retail spends of ₹1,50,000 or more	Lifetime Free unconditionally	Waived on annual retail spends of ₹1,50,000 or more	Joining fee waived on spending ₹50,000 (Blue) / ₹75,000 (Black) within 60 days; Annual fee waived on annual spends of ₹5,00,000 (Blue) / ₹7,50,000 (Black)	Customized spend-based corporate waivers negotiated at company level
Reward RateTop cashback & perks	2 Reward Points per ₹100 + up to 10,000 annual milestone bonus points	Up to 4 myCash per ₹200 on MakeMyTrip hotel and holiday bookings (6% on new MMT card)	4 Reward Points per ₹100 on retail transactions + 2.0% forex markup	1 Skywards Mile per ₹100 spent + 2,500 welcome bonus miles	5% unlimited cashback on Amazon for Prime members + 1% flat elsewhere	2 Reward Points per ₹100 spent with zero annual fee liability	2X rewards on international spends + up to 15,000 annual milestone points	2X rewards on international spends + up to ₹1,000 monthly BookMyShow discounts	5% savings on HPCL fuel (+1.5% on HP Pay) + 5% on utilities & groceries	Up to 3% Adani Reward Points on Adani ecosystem (Airports, Duty Free, Gas, Flights)	3% return on retail spends + ₹6,000 milestone travel vouchers & 2.0% forex markup	Up to 7% Adani Reward Points on Adani ecosystem (Duty Free, Flights, Pranaam)	Up to 3 myCash per ₹200 on MakeMyTrip hotel and holiday bookings	1.5 Skywards Miles per ₹100 spent + Emirates Skywards Silver tier status	5X rewards on Manchester United match days + 4X on international spends	Custom printed card design with 3 Reward Points per ₹100 on retail spends	5X rewards on military canteens (CSD), groceries, and departmental stores with zero fees	Earn 2 Reward Points per ₹100 + milestone bonuses backed by an ICICI Fixed Deposit	Up to 1% monthly cashback on business spends + 0.20% extra cashback via Corporate Net Banking	Consolidated corporate expense tracking and rewards on employee travel and procurement
Airport LoungeTerminal access	4 complimentary domestic airport lounge visits per year (1 per quarter) + 4 railway lounge visits per year	8 complimentary domestic airport lounge visits per year (2 per quarter) + 4 railway lounge visits per year (1 per quarter) (Int: 1 complimentary international airport lounge visit and 1 spa session per year via DreamFolks)	Unlimited complimentary domestic airport lounge visits (Int: Unlimited complimentary international airport lounge visits via Priority Pass / DreamFolks)	4 complimentary domestic airport lounge visits per calendar year (1 per quarter) (Int: 1 complimentary international airport lounge visit per calendar year)	Not available	Not available	8 complimentary domestic airport lounge visits per year (2 per quarter) + 8 railway lounge visits per year (2 per quarter)	16 complimentary domestic airport lounge visits per year (4 per quarter) + 8 railway lounge visits per year (2 per quarter) (Int: 2 complimentary international airport lounge visits per year via Priority Pass / DreamFolks)	4 complimentary domestic airport lounge visits per calendar year (1 per quarter)	8 complimentary domestic airport lounge visits per calendar year (2 per quarter) + 2 premium lounge upgrades per quarter	Unlimited complimentary domestic airport lounge visits for primary and add-on cardholders (Int: Unlimited complimentary international airport lounge visits via Priority Pass for primary and add-on cardholders)	16 complimentary domestic airport lounge visits per calendar year (4 per quarter) + 16 premium lounge upgrades per year (Int: 2 complimentary international airport lounge visits per calendar year via Priority Pass)	4 complimentary domestic airport lounge visits per year (1 per quarter) + 4 railway lounge visits per year (1 per quarter)	8 complimentary domestic airport lounge visits per calendar year (2 per quarter) (Int: 2 complimentary international airport lounge visits per calendar year via Priority Pass / DreamFolks (plus Emirates Business Lounge in Dubai via Silver Tier))	8 complimentary domestic airport lounge visits per calendar year (2 per quarter)	4 complimentary domestic airport lounge visits per calendar year (1 per quarter)	8 complimentary domestic airport lounge visits per year (2 per quarter on Parakram Select; 1 per quarter on standard Parakram) + 8 railway lounge visits per year (Int: 2 complimentary international airport lounge visits per year (exclusive to Parakram Select))	4 complimentary domestic airport lounge visits per calendar year (1 per quarter) + 4 railway lounge visits	8 complimentary domestic airport lounge visits per calendar year (2 per quarter)	Complimentary domestic airport lounge visits (up to 2 per quarter, subject to corporate card variant and spend terms)
Forex MarkupInt'l currency	3.50% + GST	3.50% + GST (0% to 0.99% on the new unified MakeMyTrip ICICI Bank Credit Card)	2.00% + GST	3.50% + GST	3.50% + GST	3.50% + GST	3.50% + GST	3.50% + GST	3.50% + GST	3.50% + GST	2.00% + GST	3.50% + GST	3.50% + GST	3.50% + GST	3.50% + GST	3.50% + GST	3.50% + GST	3.50% + GST	3.50% + GST	3.00%–3.50% + GST
Best Suited ForTarget category	First-time cardholders and ICICI account holders wanting UPI payment convenience and movie savings.	Vacationers and domestic flyers who book their flights and hotels through MakeMyTrip.	High earners prioritizing unlimited airport lounge visits, travel cancellation cover, and frequent BookMyShow outings.	Moderate flyers booking Emirates once or twice a year who want to accumulate airline miles on everyday spends.	Amazon Prime shoppers, household bill payers, and digital delivery users wanting effortless monthly savings.	College students, credit beginners, and budget users who want an emergency backup card with zero fees.	Corporate professionals and moviegoers wanting milestone rewards, golf access, and domestic lounge privileges.	Tier-1 college alumni, senior corporate managers, and moviegoers maximizing BookMyShow discounts.	Daily commuters and vehicle owners fueling up primarily at HPCL petrol stations.	Travelers flying out of Adani-managed airport terminals who shop at duty-free stores and use airport parking.	High earners, corporate leaders, and frequent international flyers wanting unconditional airport lounges, unlimited golf, and 3% returns.	Frequent travelers flying through Adani-managed airports who utilize duty-free, valet parking, and premium airport concierge services.	Existing cardholders and occasional domestic travelers seeking MakeMyTrip rewards without recurring card maintenance costs.	Frequent long-haul international flyers traveling to Dubai, Europe, and the Americas on Emirates.	Dedicated Manchester United fans wanting official merchandise, match-day multipliers, and lounge perks.	Consumers who want their own photo or specialized artwork printed on their primary credit card.	Serving and retired Indian military and paramilitary personnel wanting a zero-fee card with CSD rewards, lounge access, and RuPay UPI functionality.	Individuals needing guaranteed approval with lifestyle perks to build or repair their CIBIL score.	Small enterprise owners, traders, and sole proprietors using ICICI Corporate Net Banking for commercial procurement and business travel.	Mid-to-large enterprises seeking centralized employee travel and expense governance with automated accounting integration.
ActionDigital application

OFFICIAL PARTNER PERKS & PRIVILEGES

Why Choose ICICI Bank Credit Cards?

Lifetime Free Amazon Pay, Everlasting Rewards & Culinary Delights

ICICI Bank is renowned for customer-friendly, friction-free credit products headlined by India's most successful credit card: the Amazon Pay ICICI Credit Card. With unconditional lifetime free status, points that never expire, Buy 1 Get 1 Free cinema privileges, and domestic airport plus Indian Railway executive lounge access, ICICI credit cards offer unmatched utility with minimal fee friction.

Top Reward Rate

Unlimited 5% Cashback (Amazon Prime)

Amazon Pay Balance (Direct) / ICICI Reward Points

Airport Lounges

Complimentary access

Domestic & Global Access

RuPay UPI

Scan & Pay Active

Up to 50 days float

Forex Markup

1.50% (Emeralde Private) to 3.50%

International Travel

Fee Waivers

Unconditional Lifetime Free on Amazon Pay; ₹1.5L-₹15L on others

Spend waiver milestone

No Annual Fee Forever

Amazon Pay ICICI Lifetime Free Privilege

India's most popular credit card: ₹0 joining fee, ₹0 annual renewal fee, and unlimited cashback automatically credited as Amazon Pay Balance.

5% unlimited cashback on Amazon purchases for Amazon Prime members (3% for non-Prime members)
2% unlimited cashback on 100+ partner merchants when paying via Amazon Pay (flights, recharges, bill payments, food orders)
1% unlimited cashback on all other domestic and international retail spends
No minimum redemption limit; earnings automatically credit into Amazon Pay Balance every month

Ideal For

Every Indian household that shops online, pays utility bills, or uses Amazon.

Points Never Expire

ICICI Reward Points with Zero Expiry

Earn reward points that stay with you forever. Accumulate points over several years for big-ticket redemptions without forfeiture pressure.

Reward points earned on ICICI proprietary cards carry zero validity expiration
Earn up to 4 reward points per ₹100 spent on domestic and international transactions
Redeem accumulated points for luxury hotel bookings, flights, electronics, and lifestyle vouchers
Seamless point redemption directly through the iMobile Pay app or internet banking

Ideal For

Long-term point accumulators planning dream vacations or luxury gadget redemptions.

Buy 1 Get 1 Free

BookMyShow BOGO & Culinary Treats Discounts

Pamper your weekends with Buy 1 Get 1 Free cinema passes and delicious dining discounts across thousands of restaurants.

Buy 1 Get 1 Free movie tickets on BookMyShow up to ₹500 discount per ticket on Sapphiro (twice a month)
Buy 1 Get 1 Free movie tickets up to ₹100 off on BookMyShow with ICICI Coral
Save minimum 15% on dining bills across 2,500+ restaurants under the ICICI Culinary Treats program
Complimentary golf rounds and coaching sessions per month on Gemstone cards

Ideal For

Movie buffs and weekend foodies.

Airport + Railway

Airport & IRCTC Railway Executive Lounges

Enjoy complimentary visits to premier domestic airport lounges as well as Indian Railway executive lounges across railway junctions.

Up to 4 to 16 complimentary domestic airport lounge visits per year depending on card tier
Complimentary access to IRCTC Executive Railway Lounges at New Delhi, Agra, Jaipur, Madurai, etc.
DreamFolks membership for international airport lounge and spa access on flagship cards
Complimentary personal air accident insurance up to ₹3 Crores on Sapphiro and Emeralde

Ideal For

Domestic travelers who travel via both air and India's railway network.

RuPay UPI Float

ICICI Coral RuPay Scan-and-Pay on UPI

Link your ICICI Coral RuPay credit card to PhonePe, Google Pay, and Paytm to make instant QR code payments backed by credit float.

Earn 2 ICICI Reward Points per ₹100 on retail UPI merchant spends
Enjoy up to 50 days of interest-free credit on street vendor, grocery, and fuel payments
Zero joining fee on pre-approved virtual RuPay card issuance for existing ICICI customers
Manage UPI transaction caps independently inside the iMobile Pay app

Ideal For

Everyday spenders who want to rack up reward points on neighborhood QR payments.

Total Mobile Control

iMobile Pay Centralized Security Switchboard

Industry-leading digital controls: instantly freeze your card, set sub-limits, toggle international access, and generate virtual cards.

One-tap card lock/unlock feature prevents unauthorized usage instantly
Separate toggles for contactless tap-and-pay, online e-commerce, ATM cash, and international PoS
Instant virtual credit card generation for safe online shopping before your plastic arrives
Zero lost card liability upon reporting unauthorized transactions immediately to customer care

Ideal For

Security-conscious cardholders wanting complete control over their card settings.

Reward Ecosystem Deep Dive

ICICI Bank Rewards & Amazon Pay Ecosystem

Unlimited 5% cashback on Amazon Prime; up to 4 reward points per ₹100 on retail

Redemption Valuation

1:1 on Amazon Pay Balance / ₹0.25 per ICICI Reward Point

Key Accelerated Merchant Partners

Amazon India & Amazon Fresh100+ Amazon Pay Partner Merchants (Flight bookings, Swiggy, Uber)HPCL Fuel OutletsBookMyShowCulinary Treats Partner Restaurants

Redemption Channels

Auto-Credited directly as Amazon Pay Balance every billing month
Redeem ICICI Reward Points for flights, hotels, and merchandise (Points NEVER Expire)
Convert to shopping e-vouchers (Shoppers Stop, Croma, Lifestyle)
Direct statement credit for corporate cardholders

Lounge Access & Waiver Policies

Airport Lounge Privileges & Spend Thresholds

Complimentary airport terminal relaxation guidelines, quarterly spend requirements, and annual fee reversal milestones.

Domestic Lounges

Up to 8 to 16 complimentary domestic airport lounge visits annually across tier-1 and tier-2 airports on Sapphiro and Rubyx.

International Access

Complimentary DreamFolks DragonPass membership offering international lounge visits and airport spa sessions on Emeralde and Sapphiro.

Fee Waiver Spend Rules

₹1,50,000 (Coral), ₹3,00,000 (Rubyx), ₹6,00,000 (Sapphiro), ₹15,00,000 (Emeralde)

1% fuel surcharge waiver across all fuel pumps in India on transactions up to ₹4,000

Top Flagship Card Lineup

Flagship ICICI Bank Cards with These Features

Zero CIBIL Impact Soft Check

Lifetime Free CashbackLifetime Free (₹0)

Amazon Pay ICICI Credit Card

Unlimited 5% cashback on Amazon Prime, ₹0 annual fee forever

Instant video KYC

Luxury Travel & Movies₹6,500 + GST

ICICI Sapphiro Credit Card

₹500 BOGO on BookMyShow, 16 domestic lounges, 4 railway lounges

Instant video KYC

Dual Card Privilege₹3,000 + GST

ICICI Rubyx Credit Card

Dual card (Visa + Mastercard), 8 airport lounges, 4 railway lounges

Instant video KYC

UPI & Lifestyle₹500 + GST

ICICI Coral RuPay Credit Card

RuPay UPI payments, airport & railway lounges, 25% movie discounts

Instant video KYC

Ultra High Net Worth₹12,499 + GST

ICICI Emeralde Private Metal

Unlimited international lounges, 1.5% low forex markup, Taj Epicure

Instant video KYC

Best ICICI Bank Credit Cards in India (20 Cards)