ICICI Bank stands as India’s second‑largest private-sector bank after HDFC, with over 1.82 crore active credit cards issued, as of May 2025. It offers a diverse range of cards – from no‑fee cashback options to ultra‑premium travel and lifestyle cards. ICICI summarizes as Industrial and Credit & Investment Corporation of India.
This bank, like most of the others offers a wide variety of credit cards that cater to different individual needs such as shopping, travel, fuel, entertainment, dining and more. You can find entry-level cards as well as premium cards with extraordinary benefits. Here we have listed the five best ICICI Credit Cards of 2025, offering benefits across multiple categories, each tailored to distinct spending styles.
05 Best ICICI Credit Cards in India
1. ICICI Platinum Chip Credit Card
ICICI Bank Platinum Credit Card is a basic, lifetime-free entry level credit card with no joining or annual fee. Cardholders can earn ICICI Bank reward points on every spend except fuel. They can also enjoy great discounts on dining, movies and more. However, beyond its basic rewards program, the card lacks any significant lifestyle, or milestone benefits and serves as a good starting point for first-time credit users.
Joining Fee: Nil
Renewal Fee: Nil
- Earn 2 reward points on retail spends and 1 reward point on insurance payments.
- Reward points earnings are capped on utility spends of INR 40,000; insurance spends of INR 40,000, and grocery and departmental store purchases worth INR 20,000/-.
- Card users can redeem their reward points on ICICI Bank Rewards platform against lifestyle products, travel and movie vouchers, and other options.
- 1% fuel surcharge waiver is available at HPCL petrol pumps on fuel transactions worth INR 400 – 4000/-.
2. ICICI Coral Credit Card
ICICI Bank Coral Credit Card is designed for frequent shoppers and travellers. It’s an entry-level card directed towards new-to-credit individuals. The card comes with a decent reward rate. It is a suitable choice for those who want a low-maintenance card to develop their credit score while still churning out good savings.
Joining Fee: INR 500 + GST
Renewal Fee: INR 500 + GST
- You can earn up to 2 reward points on all retail spends and 2000 reward points on reaching INR 2 lakh in spends annually.
- 1,000 reward points on every additional Rs. 1 lakh spent after reaching INR 2 lakhs annual spends, works as a milestone bonus.
- 1 domestic airport lounge visit per quarter on spending min. INR 75,000 in a quarter and 4 complimentary railway lounge visits per year.
- 25% off, up to INR 100 on min. booking of 2 tickets, each on INOX and BookMyShow, twice per month.
- This card offers dining discounts under the ‘ICICI Bank Culinary Treats’ program and the annual fee is waived off, on spending INR 1.5 lakh during the previous year.
3. ICICI Rubyx Credit Card
ICICI Bank Rubyx Credit Card is an all-rounder card offering benefits like rewards, joining and milestone bonus, movie and dining discount, airport and railway lounge access, golf benefits, and others. However, the overall value-back is quite dependent on the spending capacity of the cardholder as many of these features come with spend-based conditions.
Joining Fee: INR 3000 + GST
Renewal Fee: INR 2000 + GST
- 4 reward points on international spends and 2 reward points on domestic spends
- The accrued ICICI reward points are redeemable against multiple categories – travel, health, fashion, home appliances, electronics, lifestyle, shopping etc.
- As a welcome benefit, you receive vouchers worth INR 5,250 from top brands like Croma, Uber, EaseMyTrip, and Tata CLiQ on joining fee payment.
- 2 complimentary visits to domestic airport lounges per quarter on reaching Rs. 75,000 quarterly spends
- 01 free golf round per INR 50,000 spent on retail in the previous month.
4. ICICI Sapphiro Credit Card
ICICI Bank Sapphiro Credit Card is one of the most preferred credit cards that offers exclusive privileges on entertainment, dining, wellness, golf and a complimentary membership. This card offers a wide range of privileges for the cardholder and is definitely not one to be missed in today’s times.
Joining Fee: INR 6500 + GST
Renewal Fee: INR 3500 + GST
- Welcome Benefit: Vouchers worth Rs. 9,000 from Uber, EaseMyTrip, Tata CLiQ, and Tata Croma combined on joining fee payment.
- The earned ICICI reward points are redeemable against multiple categories, including health, beauty, travel, home appliances, electronics, fashion, lifestyle, shopping vouchers, etc.
- Lounge Access: 2 complimentary visits per year and Priority Pass membership for international lounges and 4 complimentary visits per quarter on reaching INR 75,000 quarterly spends for domestic lounge.
- Fee Waiver: Card annual fee is waived on spending at least INR 6 lakhs in a year.
5. ICICI Emeralde Credit Card
ICICI Bank Emeralde Credit Card is a super-premium Credit Card that offers benefits such as reward points on every transaction, unlimited airport lounge accesses, complimentary rounds of golf, fuel surcharge waivers, discounts on dining, movies and more. It is one of the most expensive and premium credit cards available in the country today.
Joining Fee: INR 12000 + GST
Renewal Fee: INR 12000 + GST
- Unlimited domestic airport lounge access
- 4 reward points for every Rs. 100 spent on retail transactions
- Unlimited international airport lounge access with Priority Pass membership
- Low Forex Markup Fee of 2%
- 1 reward point for every Rs. 100 spent on utilities and insurance categories
- Buy one movie/non-movie ticket and get up to Rs. 750 off on a second ticket on BookMyShow, up to four times every month.
- 4 complimentary rounds of Golf lesson every month.
- 24×7 concierge service for reservation at restaurants, hotels and flights; booking movie tickets; car rentals; gift delivery
ICICI Bank’s credit card portfolio offers an unmissable value at every level – from entry and mid-tier to ultra-premium. Whether you’re maximizing cashback, entertainment, travel, or exclusive experiences, there’s an ICICI card built to match your need. Be sure to consider the eligibility criterion, fee waiver thresholds, reward redemption complexity, and your typical monthly spending pattern before deciding.
It’s always advisable to check the bank’s official website or card comparison platforms for the latest terms and offers before applying for a new card.
FAQs on ICICI Credit Cards
1) How to apply for the best Credit Card in India?
Apply for the best ICICI Bank Credit Card online through ICICI Bank’s iMobile app, website or any branch. Fill out the application form, provide the necessary documents and await approval.
2) Which is the best ICICI credit card for daily use?
ICICI Bank’s Rubyx and Sapphiro Cards provide versatile benefits for daily use, including rewards, discounts, travel and entertainment benefits.
3) Which ICICI credit card has no joining fee?
ICICI Bank Platinum Chip Credit Card has no annual/joining fee. Benefits like rewards, cashback and fuel surcharge waiver make it an excellent option.