ICICI Bank Corporate Credit Card
Verified by Grofi • 2026
Enterprise Expense Manager
Mastercard / Visa NetworkIssued by ICICI Bank

ICICI Bank Corporate Credit Card

An institutional corporate card designed for mid-to-large enterprises to manage executive travel and departmental procurement. It interfaces directly with corporate accounting platforms (SAP, Oracle, Concur), automating employee expense auditing and centralizing travel rewards.

4.8 / 5.0Grofi Rating
2,800+ Checked This Month
Zero Hard Inquiry
Annual FeeVaries based on enterprise arrangementWaiver available
Joining FeeVaries based on enterprise arrangementOne-time fee
Reward ValueConsolidated corporate rewards on employee travel, flights, and hotelsICICI Corporate Points
Lounge Access8 complimentary domestic airport lounge visits per calendar year (2 per quarter)Airport Privileges
100% Paperless Digital ApplicationNo Hidden Processing FeesQuick V-KYC within 5 Minutes
GROFI EDITORIAL VERDICT

Why We Recommend The ICICI Bank Corporate Credit Card

A dependable corporate expense instrument designed to automate business travel reconciliation and expense governance.

Best Suited For

Mid-to-large enterprises seeking centralized employee travel and expense governance with automated accounting integration.

Welcome Gift & Activation Benefits

Bonus Value
Dedicated institutional portal access for corporate travel managers and finance controllers.

* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.

Benchmark Score

Grofi Expert Rating

9.4/ 10
Reward & Return Value9.6 / 10
Airport Lounge & Travel9.4 / 10
Fee-to-Value Ratio9.1 / 10
Ecosystem & Merchant Offers9.3 / 10
Independent Methodology

Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.

ESTIMATED VALUE CALCULATOR

How Much Can You Save with the ICICI Bank Corporate Credit Card?

Adjust your expected monthly card spends to calculate your real annual rewards and net savings.

₹50,000
₹10,000 / mo₹1,00,000 / mo₹2,50,000+ / mo
40% of spends

Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.

Official Reward Rate SpecsICICI Corporate Points
Base Spends1 Reward Point per ₹100 on official corporate expenses
Accelerated Spends3 Reward Points per ₹100 on official corporate travel bookings, flights, and corporate dining

* Reward Point Value: ₹0.25 on statement credit or travel bookings.

Projected Annual Net Yield
Net Annual Savings & Value
₹12,810

Based on annual spending of ₹6,00,000.

Gross Reward Value+₹12,810
Annual Renewal Fee₹0 (Lifetime Free)
Estimated Reward Points~25,620 ICICI Corporate Points
Fee Waiver Achieved! Your spends surpass the annual waiver threshold, making your annual renewal ₹0.
TRANSPARENT PRICING

Fees & Charges Breakdown for ICICI Bank Corporate Credit Card

Zero hidden costs. Complete fee schedule verified with ICICI Bank official guidelines.

Joining Fee
Varies based on enterprise arrangement

One-time fee charged on the first statement

Annual / Renewal Fee
Varies based on enterprise arrangement

Billed annually starting from the 2nd year

Spend-Based Fee Waiver
Customized spend-based corporate waivers negotiated at company level

Annual fee reversed upon crossing this spend milestone in the preceding card year

Forex Markup Fee
3.00% + GST

Charges applicable on foreign currency transactions and cross-border payments

Finance Charges (APR)
3.60% p.m. (43.2% p.a.)

Standard interest rate on revolving card balances

Cash Advance Fee
2.5% (Min. ₹500)

Fee on ATM cash withdrawals via credit card

Interest-Free Period
Up to 50 Days

From the first day of billing cycle till due date

How to Avoid the Annual Fee:Customized spend-based corporate waivers negotiated at company level
Statutory Goods & Services Tax (GST):Government Goods and Services Tax (GST) of 18% is applicable over and above all credit card fee components and finance charges.
TRAVEL & LUXURY PRIVILEGES

Airport Lounge Privileges on the ICICI Bank Corporate Credit Card

Experience gourmet dining, quiet workspaces, and premium comforts before every flight.

India Terminals
Domestic Airport Lounge Access

8 complimentary domestic airport lounge visits per calendar year (2 per quarter)

Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.

Complimentary buffet, beverages, high-speed Wi-Fi, and plush seating
Swipe ₹2 (Visa/Mastercard) or ₹25 (RuPay) authorization fee at entry
Operated via Mastercard / Visa Lounge Program & DreamFolks Network
Worldwide Terminals
International Lounge Access

Not available

Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.

Priority Pass / LoungeKey / DreamFolks Global membership supported
Guest privileges available as per card tier specifications
Worldwide access network via Priority Pass or DragonPass
KEY CARD HIGHLIGHTS

What Makes ICICI Bank Corporate Credit Card Stand Out?

Discover the top benefits, special offers, and protections engineered into this card.

Feature #1

Direct integration with enterprise ERP software (SAP, Oracle, Concur, Tally).

Feature #2

Individual credit limit allocation per employee with managerial spend controls.

Feature #3

8 complimentary domestic airport lounge visits for executives on official travel.

BALANCED EDITORIAL ASSESSMENT

Pros & Cons of the ICICI Bank Corporate Credit Card

An honest, transparent evaluation of strengths and limitations before you submit your application.

What We Love (Pros)

3 Advantages
  • Eliminates manual travel advances and employee reimbursement paperwork.
  • Automated audit trails and seamless GST input credit reporting.
  • Lounge access included for traveling executives.

Things to Consider (Cons)

3 Limitations
  • Issued strictly through institutional enterprise tie-ups with ICICI Bank.
  • Individual employees cannot apply independently.
  • Reward points managed centrally by corporate treasury desks.
Independent Editorial Policy: Grofi never charges consumers for recommendations. All reviews are unbiased.
ELIGIBILITY CRITERIA

Who Can Apply for the ICICI Bank Corporate Credit Card?

Review minimum income, credit score thresholds, and essential verification documents.

Minimum Income
Corporate entity with audited balance sheets and pre-approved credit facility

Net in-hand monthly or annual earnings

Age Requirement
21 – 65 Years

Primary applicant (18+ for add-ons)

Employment Profile
Salaried Employees of Enrolled Corporate Organizations

With continuous employment proof

Residential Status
Resident Indian

With valid Indian address proof

Recommended Credit Score (CIBIL / Experian)

720+ Score Recommended

High Approval
300 (Poor)650 (Fair)750 (Good)900 (Excellent)

Applicants with a credit score of 720 or higher enjoy fast-tracked approval and preferential credit limits from ICICI Bank.

Documents Required

100% digital paperless verification via Video KYC. Keep these documents ready:

Identity & Address Proof

Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.

PAN Card

Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.

Proof of Income

Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.

Zero CIBIL Impact Soft Check
FREQUENTLY ASKED QUESTIONS

Everything You Need to Know About ICICI Bank Corporate Credit Card

Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.

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Instant Digital Verification

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