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best ICICI credit cards - annual fees, types, features & review

best ICICI credit cards - annual fees, types, features & review

finance
January 1, 2022
6 min read
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have you been looking forward to getting an ICICI credit card for yourself? with a host of options available to choose from, it can undoubtedly be intimidating to narrow down to one. so how exactly should you select the best ICICI credit card from a host of options? 
ICICI Bank is known to offer a variety of credit cards to its customers, and it is easy to apply for one, as long as you meet the criteria to get a credit card from the bank. listed below are some of the best ICICI Bank credit cards for you based on their features.

best ICICI Bank credit cards

1. ICICI Bank Rubyx credit card
with an annual fee of ₹2,000, this card is best suited for you if you are looking for one with various travel benefits. yet, this credit card also offers a bunch of other benefits which allows you to earn payback points on your expenses and happens to be a great option if you are someone who travels frequently. 
since this card also gives you access to airport lounges, you can get this card for a bunch of handsome benefits. this credit card offers the benefit of golf privileges, lounge benefits, insurance coverage and movie benefits. 

2. ICICI Bank Coral Contactless card
if you are someone who is looking for rewards with your credit card, here is an option that provides you with multiple benefits. this includes milestone benefits, payback points, dining discounts, movie benefits and a special convenience fee waiver. 
you should get this card if you are someone who is looking for a general credit card and can afford to spend a minimum of ₹1.5 Lakh in a year. there is benefit in taking this card only if you are willing to make expenses which give back rewards. 

3. ICICI Platinum Chip credit card – VISA
are you a shopaholic who likes to use your credit card to make payments for purchases? you can greatly benefit by choosing a credit card such as this one with handsome reward points, dining discounts and fuel surcharge waiver.
this card will suit your needs if you are looking for a credit card that fulfils the basic function of one, and want to pay zero annual charges towards your card. further, it can be highly rewarding for you to make future payments of fuel through this credit card. 

4. ICICI Bank Emeralde credit card
if you are looking for a lifestyle wellness card, here is something that will really please you. avail exciting benefits on movie offers, golf lessons, airport lounge access, concierge services, rebuked cancellation charges, fuel surcharge waiver, dining offers and insurance benefits. you get the benefit of special fee charges on cash withdrawals, late payment charges and foreign exchange mark-up fees. 
with so many benefits, this is truly the perfect lifestyle card that will suit your needs and make you appreciate your decision to opt for a credit card. however, you should get this card only if you are an existing ICICI Bank private global client and if travelling is on your cards quite frequently and you would like to avail this card's benefits.

5. ICICI Bank HPCL credit card
if you would like to get a credit card which offers you exclusive rewards every time you refuel your vehicle, this is the card for you. it brings you the benefit of endless reward points, fuel redemption offers, cashback offers, the movie offers and dining offers, over and above its primary purpose. 
you should think about getting this card if you are someone who makes a significant expenditure on fuel every month and if your preference for refuelling station will be Hindustan Petroleum. another vital feature of this card is its low annual fee, which can make it very convenient for you to own a credit card and bear its related expenses. 

6. ICICI Bank Visa Signature credit card
who does not like a premium banking experience with their banking service provider? when it comes to a credit card, the more benefits, the better it is for you. if you are in the search for a credit card that fulfils a variety of needs, then this is the card which you must choose. 
with a number of handpicked benefits, this card is a storehouse of benefits which you will find extremely beneficial during the tenure of holding this card. it brings you the benefit of golf offers, lounge access at airports, reward points for various spending, fuel surcharge waiver and concierge services, all of which are great for you as long as you meet the eligibility criteria. 
this card is an excellent choice for you if you require these services. It is the card of choice for many users who expect to be rewarded for various spending.

credit card

details

ICICI Bank Rubyx credit card

annual fee - ₹2000
suitability - travel
minimum income - ₹6 lakh per annum
welcome gift - shopping and travel vouchers of ₹5,000+
best feature - 15,000 payback points in a year

ICICI Bank Coral Contactless credit card

annual fee - ₹500
suitability - reward points
minimum income - ₹20,000 per month
best feature - 10,000 payback points each year

ICICI Platinum Chip credit card – VISA

annual fee - nil
suitability - shoppers
minimum income - ₹15,000 per month
best feature - minimum saving of 15% on dining

ICICI Bank Emeralde credit card

annual fee - ₹12,000
suitability - lifestyle
minimum income - ₹3 lakh per month
welcome gift - payback points and offers on every other purchase
best feature - complimentary golf lessons

ICICI Bank HPCL credit cards

annual fee - ₹199
suitability - fuel
welcome gift - redeem up to 2,000 points for fuel up to ₹500
best feature - 2.5% cashback offer on fuel spends at all HPCL stations

ICICI Bank Visa Signature credit card

annual fee - ₹2,000
suitability - travel and lifestyle
welcome gift - up to 30,000 handpicked rewards
best feature - personal concierge services

in conclusion

listed above are some of the best ICICI credit card options which you can consider for yourself. for each category, these credit cards are among the highest-rated and reviewed options which make them an excellent choice for your needs. with each card, you can avail a bunch of specific rewards and welcome offers, which seek to make your experience an exciting one. 
indeed, each card offers a specific bunch of offers and rewards, which make them an ideal choice for people who prefer a credit card for one such category. with CRED, you can easily keep track of all your credit cards, stay updated with their details, and earn rewards every time you make your ICICI Bank credit card payment.