There are so many types of ICICI credit cards. Credit cards are now a vital instrument for modern consumers in the changing world of personal finance. Choosing the best credit card to fit your lifestyle and financial needs might be overwhelming with the variety of options on the market. One of the top private sector banks in India and one of the numerous credit card issuers, ICICI Bank, offers a wide selection of credit cards. In this post, we’ll examine the finest ICICI Bank credit cards so you can choose the one that’s right for you.
Amazon Pay ICICI credit card:
Joining Fee: Nil
Annual/ Renewal Fee: Nil
Best Suited For: Online Shopping
Amazon Pay ICICI Credit Card is a co-branded credit card that offers benefits on online shopping. This card is specifically designed to avail discount on your purchases at Amazon. However, only Amazon Prime members can earn the maximum benefits via this credit card. Here are some of the key features of this card:
A co-branded credit card with advantages for online purchasing is Amazon Pay ICICI Credit Card. This card is especially made to help you save money when you shop on Amazon. However, the maximum benefits of this credit card are only available to Amazon Prime subscribers. These are a few of the main characteristics of this card:
- For Prime members, Amazon offers 5% cashback on purchases.
- For non-Prime members, Amazon offers 3% cashback on purchases.
- 2% reward on payments made to 100+ partners using Amazon Pay
- 1% cashback on all other purchases made for dining, shopping, and other things.
- Under the ICICI Culinary Treats Program, participating restaurants will give you a minimum 15% discount on your meal bill.
- 1% of gasoline surcharges at Indian petrol stations have been waived.
ICICI Bank Sapphiro credit card:
Joining Fee: Rs. 6,500
Annual/ Renewal Fee: Rs. 3,500 (waived off on spending more than Rs. 6 lakh in a year)
Best Suited For: Travel & Shopping
The ICICI Bank Sapphiro Credit Card is a high-end credit card that is ideal for regular travellers who wish to take advantage of premium privileges. Benefits are available with this card for both domestic and international passengers. This credit card entitles you to premium benefits like lounge access, gold privileges, Dreamfolks membership, and more. The following are some of the main characteristics of this premium credit card:
- Welcome gifts of more than 9,000 rupees in travel and shopping.
- Each anniversary year, up to 20,000 ICICI reward points are offered.
- For every 100 rupees spent, ICICI offers reward points: 4 for overseas purchases, 2 for domestic purchases, and 1 for utility and insurance purchases.
- Free enrollment in the DreamFolks Programme, which includes access to the international airport lounge and the domestic airport spa.
- 4 free domestic airport lounge visits are available with a minimum purchase of Rs. 5,000 or more during a calendar quarter.
- Depending on eligible card usage, up to 4 complimentary rounds of golf each month.
- If you purchase 1 movie or event ticket on BookMyShow, you can get up to Rs. 500 off the second ticket.
ICICI Bank Emeralde credit card:
Joining Fee: Rs. 12,000
Renewal Fee: Rs. 12,000 (waived off on spending Rs. 15 lakh in a year)
Best Suited For: Lifestyle Benefits
A high net worth person should use the ICICI Bank Emeralde Credit Card if they wish to receive opulent advantages and are willing to pay a high annual fee. The following are some of the main characteristics and advantages of this credit card:
- If you purchase one ticket through BookMyShow, you can save up to Rs. 750 off a second ticket.
- For every Rs. 100 spent, ICICI offers reward points: 4 points on all retail purchases (except petrol) and 1 point on utility and insurance purchases.
- golf lessons/rounds up to four times for free with a minimum monthly spending of Rs. 50,000
- a free gift certificate for stores worth Rs. 5,000 on your birthday
- Access to the domestic airport spa and the international airport lounge is free with a DreamFolks membership.
Emirates Skywards ICICI Rubyx credit card:
Joining Fee: Rs. 500
Annual/ Renewal Fee: Rs. 500 from second year onwards
Best Suited For: Shopping & Travel
Dubai Skywards With the co-branded ICICI Rubyx Credit Card, you may accrue Skyward Miles for lifestyle, travel, and everyday purchases. If you are a frequent traveller on Emirates, this credit card is excellent for you since the spend-based benefits can only be used on Emirates. Some of the key characteristics and advantages of this credit card are listed below:
- Spending at least Rs. 5,000 in a calendar quarter entitles you to one domestic lounge visit every quarter and up to 1.5 Skywards Miles for every Rs. 100 spent.
- Twice per month, BookMyShow and Inox are offering 25% savings, up to Rs. 100, on orders of at least 2 movie tickets.
- Waiver of the 1% fuel surcharge on HPCL gasoline transactions
Conclusion:
Selecting an ICICI credit card that fits your needs is essential because each one has features that cater to various spending types and lifestyles. ICICI Bank has a credit card designed specifically for you, whether you’re looking for dining rewards, online shopping advantages, a starting card, premium experiences, or fuel savings.
To make an informed choice, always consider your spending habits, financial objectives, and creditworthiness before applying for any credit card. Last but not least, using credit cards responsibly, paying your bills on time, and controlling your spending will ensure you get the most out of them while maintaining a sound financial situation. Enjoy saving money while you shop with your ideal ICICI credit card!
I am a engineering student studying at Nimra college of engineering and technology(NCET)