Aditya is tired of spending his savings money for all of his family's purchases and tours. Despite preferring seasonal time to avail special discounts, he is unable to amass his savings amount. However, he is also not willing to compromise the joy of his family members.

He has spent:

₹ 1,50,00 for branded purchases.
₹ 3,00,000 for tourism

A friend suggested Aditya try ICICI Bank’s credit card for its family trip and shopping benefits. New to credit cards, he hesitated, but

ICICI staff guided him through options to match his needs.

ICICI Bank, one of India’s top private banks, offers a variety of credit cards tailored to different income levels.

These cards provide special discounts, instant bonuses, and easy transactions, helping customers save more and enjoy a smooth, rewarding shopping and payment experience.

How to Apply for ICICI Bank’s Credit Card?

The eligibility criteria for ICICI Bank’s credit card are that the applicant must be between the ages of 21 and 60 years. However, the following documents are needed to be furnished, which are mandatory:

Identity Proof: Aadhaar card, PAN card, driving license, voter ID, passport, Person of Indian Origin Card, and other government-approved IDs.

Address Proof: Aadhaar card, ration card, property registration document, NREGA job card, Gas bill or Utility Bill of not more than three months old and other government-approved address proof.

Income Proof: Salary slip of not more than two months old, last three months' bank statements, and Form 16.

Different Types of ICICI Bank Credit Cards

1. Adani One ICICI Bank Platinum Credit Card

This credit card is exclusively designed for the frequent users of the Adani ecosystem. This card incorporates innumerable offers on spending made on flight booking, hotel reservation, train ticket booking, and Adani Group-operated airports.

Features and Benefits

Features	Benefits
Welcome Bonus	Hotel voucher of ₹ 1,000 after activating the card. Holiday voucher of ₹ 2,000. Flight voucher of ₹ 2,000 on purchases worth ₹ 10,000 within 60 days of card activation.
Reward Points	3 % reward points on Adani-managed airports and train stations. 1 % Adani reward points on domestic spending. 1.5% Adani reward points on international spending.
Travel Benefit	2 valet parking in a year. 2 premium lounge upgrades every financial quarter. 4 porter services.
Lounge Access	2 free domestic lounge access per quarter.
Entertainment	25% discount on booking tickets via BookMyShow.
Milestone Benefits	Waiver of annual fees for spending ₹ 3,00,000 lakhs and above.
Fuel Surcharge	1% fuel surcharge waiver on transactions up to ₹ 4,000.

Example: If he books a ticket via BookMyShow for ₹ 2,500, he will pay ₹ 1,875 (25 %).

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 750
Annual Fees	₹ 750
Annual Percentage Rate	40.80%
Add-on Card Fee	₹ 100
Foreign Transaction Fee	3.50%

2. Adani One Signature Credit Card

This is a premium credit card for travellers, especially those who spend more on the Adani Ecosystem. It comes with a Welcome Bonus of ₹ 9,000 and a base reward point of 1.5%.

Features and Benefits

Features	Benefits
Welcome Bonus	Hotel voucher of ₹ 2,000 after activating the card. Holiday voucher of ₹ 2,000. Flight voucher of ₹ 5,000 on purchases worth ₹ 25,000 within 60 days of card activation.
Travel Benefit	4 premium lounge upgrades. 3 valet parking on every year. 8 portal services.
Lounge Access	2 free international lounge accesses in a financial year. 4 free domestic lounge access in a quarter.
Entertainment	50% discount on booking tickets worth ₹ 500 via BookMyShow, twice a month.
Fuel Surcharge	1% fuel surcharge waiver on transactions up to ₹ 4,000.

Example: The cardholder can get a 50% discount for booking tickets via BookMyShow and pay ₹ 500 for ₹ 1,000.

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 5,000
Annual Fees	₹ 5,000
Annual Percentage Rate	40.80%
Add-on Card Fee	₹ 100
Foreign Transaction Fee	3.50%

3. ICICI Bank Coral Credit Card

This is a budget-friendly credit card that comes with the nominal fees of ₹ 500 and can earn up to a reward of 0.5%.

Features and Benefits

Features	Benefits
Entertainment	25% discount on booking tickets minimum of two tickets via BookMyShow
Dining Benefit	20% discount on the bill value of ₹ 3,000 via EazyDiner.
Lounge Access	1 complimentary access to domestic airport lounges per quarter.
Reward Points	2 reward points for every purchase worth ₹ 100. 1 reward point for every purchase in utilities and insurance products worth ₹ 100.
Fuel Surcharge	1% fuel surcharge waiver on transactions up to ₹ 4,000, only at HPCL pumps

Example: For a fuel transaction of ₹ 3,000, the cardholder will get a waiver of ₹ 30.

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 500
Annual Fees	₹ 500
Annual Percentage Rate	40.80%
Add-on Card Fee	Free
Foreign Transaction Fee	3.50%

4. ICICI Bank Sapphiro Credit Card

This credit card is exclusively designed to meet the customer’s spending on lifestyle products, travel, dining, and entertainment. There are also freebies that come with this credit card, and are best suitable for persons who are avid shoppers.

Features and Benefits

Features	Benefits
Welcome Bonus	A welcome bonus of vouchers worth ₹ 10,000.
Entertainment	A discount of ₹ 500 for the second ticket via BookMyShow.
Reward Points	3 reward points for every ₹ 100 on international purchases. 2 reward points for every ₹ 100 on domestic purchases.
Lounge Access	1 free lounge access at selected Indian airports, every quarter.
Fuel Surcharge	1% fuel surcharge waiver on all fuel transactions at any outlet.
Air Insurance Benefits	Coverage up to ₹ 3 crore.

Example: The cardholder can redeem the welcome bonus of ₹ 10,000 in select purchases.

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 6,500
Annual Fees	₹ 6,500
Annual Percentage Rate	44%
Add-on Card Fee	Free
Foreign Transaction Fee	3.50%

5. ICICI Bank Rubyx Credit Card

This credit card is exclusively designed for budget-friendly demands, where the expenses on lifestyle are reasonable and lower. Besides, it comes the joining fees of ₹3,000, as well as annual fees of ₹ 2,000.

Read More – ICICI Bank Coral Credit Card

Features and Benefits

Features	Benefits
Welcome Bonus	A welcome bonus of gift vouchers worth ₹ 5,000, after paying the joining fees.
Entertainment	25% discount on purchasing a minimum of two tickets via BookMyShow and Inox.
Concierge Services	24/7 concierge services for these cardholders.
Lounge Access	2 free lounge access at selected Indian airports, every quarter.
Fuel Surcharge	1% fuel surcharge waiver on all fuel transactions at any outlet.
Air Insurance Benefits	Coverage up to ₹ 1 crore.

Example: After paying the joining fees of ₹ 3,000, the carholder gets a ₹ 5,000 worth gift voucher. So, the carholder can save ₹ 2,000, which can be used for annual fees of ₹ 2,000.

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 3,000
Annual Fees	₹ 2,000
Annual Percentage Rate	40.8%
Add-on Card Fee	Free
Foreign Transaction Fee	3.50%

6. Amazon Pay ICICI Bank Credit Card

This credit card is exclusively designed for Amazon shopping. For every purchase on Amazon via this credit card, the cardholder earns 5% cashback and various special offers. It is a lifetime free credit card.

Features and Benefits

Features

Benefits

Welcome Bonus

Amazon Prime users get ₹ 2,000 as reward points.

Non-Amazon Prime users get ₹ 1,500 as reward points for a three-month Amazon Prime

Membership.

Fuel Surcharge

1% fuel surcharge waiver on all fuel transactions at any outlet, within the threshold of ₹ 4,000.

Cashback Benefits

5% cashback for Amazon Prime Members.

3% cashback for non-Amazon Prime Members.

2% cashback on Amazon Pay Merchant partners.

1% cashback on other payments.

Dining Benefits

Cardholders can save 15% on bill payments at selected restaurants.

Reward Points

No minimum amount requirement for reward points.

No expiry date for reward points.

Example: The cardholder gets ₹ 2,000 as reward points if he is an Amazon Prime user.

Fees and Other Charges

Fee Type	Charges
Joining Fees	Free
Annual Fees	Free
Annual Percentage Rate	42%
Add-on Card Fee	Free
Foreign Transaction Fee	3.50%

Conclusion

Aditya can select any of these different types of ICICI Bank’s Credit Cards to match his budget and shopping requirements. Some of the credit cards may come with high joining fees and annual fees. However, the benefits and features of those credit cards make every spending worthwhile and memorable with numerous offers and special discounts.

Also Read - ICICI Mine Credit Card 2025: Updated Guide

FAQs

1. Does Amazon Pay ICICI Bank Credit Card have any joining fees?

No, this credit card does not have any joining fees.

2. How much is the air insurance benefit in the ICICI Bank Rubyx Credit Card

This credit card comes with an air insurance benefit of coverage up to ₹ 1 crore.

3. What is the joining fee for the ICICI Bank Coral Credit Card?

The joining fees for this credit card are ₹ 500.

4. Should I submit my income proof to get an ICICI Bank credit card?

Yes, it is mandatory to submit income proof.

5. What is the minimum age to apply for an ICICI Bank credit card?

The minimum required age is 21 years.

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