Key Takeaways

Choose the ICICI card that fits how you spend every day, like shopping, travel, or dining.
Premium ICICI cards give you more points and special perks than simple cards.
Redeem your reward points on time, so you do not lose the points you have earned.

Credit cards are not just about spending; they are about getting something back. Learn how a smart card choice can turn everyday purchases into meaningful rewards and savings.

Harsh, a young professional, earns ₹50,000 monthly from his job. He spends on dining, shopping, movies, and traveling. Harsh wanted to maximise his spending and earn rewards simultaneously. He realised that choosing the right credit card matters greatly. Different ICICI cards offer different rewards and exclusive benefits.

This guide helps you understand which card suits you best. Now, let's explore the top ICICI credit cards available.

Top ICICI Credit Cards for Reward Points

From the basic Platinum Chip to the elite Emeralde, discover which ICICI Credit Card best fits your lifestyle, and how each one can maximise your reward-earning potential.

Choose the best ICICI card for your reward needs:

Read More – PNB Credit Card Reward Points

ICICI Credit Card	Joining Fee	Rewards	Extra Benefits
Platinum Chip Credit Card	No Joining Fee	You earn reward points on every spend (except fuel).	You get discounts on many other purchases.
Coral Credit Card	₹500 + GST	You can earn up to 10,000 bonus points when you join.	You get 25% off on movie tickets on BookMyShow and INOX.
Rubyx Credit Card	Premium fee	You earn points on all spends except fuel.	You get free airport lounge access, a fuel surcharge waiver, and discounts on dining, movies, and golf.
Sapphiro Credit Card	High fee	You earn points in all categories.	You get a free DragonPass membership and two buy-one-get-one movie tickets each month.
Emeralde Credit Card	Super-premium fee	You earn points on every spend without any limit.	You get unlimited lounge access, free golf rounds, fuel surcharge waiver, and dining and movie discounts.

Select your ICICI Credit Card Reward Points card wisely.

Types of ICICI Credit Card Reward Points Programme

ICICI Bank offers three unique reward schemes: Standard, Hand-picked, and Zillion. Each tailored to how you shop, travel, and live. Find out which one gives you the best value for your spend.

Reward Scheme	How You Earn Points	How You Redeem Points
Standard Rewards Scheme	You earn points on your purchases.	You redeem points through ICICI Bank’s redemption offers.
Hand-picked Rewards Scheme	You earn points on valid charges.	You choose items from the rewards list on ICICI’s website.
PAYBACK (now Zillion) Scheme	You earn points under the PAYBACK/Zillion programme.	You must register as a PAYBACK member to redeem your points.

Choose your preferred ICICI scheme and start earning rewards today.

How to Redeem ICICI Bank Credit Card Reward Points

Redeeming your hard-earned points should not feel like rocket science. Here is how to turn your ICICI Credit Card Reward Points into vouchers, products, or even discounts in just a few clicks or a single call.

Via Net Banking

Redeem your rewards through ICICI Internet Banking easily:

Step 1: Log in to your ICICI Internet Banking account now.

Step 2: Go to the Cards & Loans section here.

Step 3: Click on the ICICI Credit Card Reward Points option.

Step 4: Click on Redeem to choose your preferred reward.

Follow these four simple steps and claim your rewards.

Via Customer Care

Redeem your rewards by calling ICICI Customer Care:

Step 1: Dial the ICICI Customer Care number 1800 1080.

Step 2: Speak to the 24-hour customer support representative available.

Step 3: Request to redeem your ICICI Credit Card Reward Points.

Step 4: Follow the representative's instructions to complete redemption.

Call customer care now and redeem your rewards today.

ICICI Bank Credit Card Rewards Catalogue

The ICICI Rewards Catalogue is your digital treasure chest; packed with products, vouchers, and experiences waiting to be claimed. See what’s new before your favourite item disappears.

Explore and redeem rewards from their exclusive catalogues:

Hand-picked Rewards Catalogue: Access redemption offers on the ICICI Bank website. Browse and select items using your ICICI Credit Card Reward Points here.

PAYBACK (now Zillion) Catalogue: Become a PAYBACK member to redeem points. Use your PAYBACK card against available items in the catalogue.

Catalogue Items Available: Products, vouchers, and services change regularly. ICICI Bank adds new items and removes old ones frequently.

Important Information: All catalogue images are indicative and visual only. Products remain subject to availability and manufacturer warranties. Goods are non-transferable and non-encashable under all circumstances.

Delivery Details: ICICI Bank endeavours to deliver within ten working days. The bank is not liable for delays or losses. You cannot claim after ten days of delivery.

Track Your Delivery: Track delivery status up to thirty days. Communication after thirty days will not be entertained. Your ICICI Credit Card Reward Points hold no cash value.

Browse catalogues, select rewards, and enjoy redemption benefits today.

Tips to Maximise ICICI Credit Card Reward Points

Stop letting your reward points go to waste. Follow these insider strategies to make every swipe, click, and payment count towards bigger and better rewards.

Use the right card for each category here. Choose dining, fuel, travel, or shopping cards wisely.
Use cashback apps like MagicPin and GPay today. These apps boost your ICICI Credit Card Reward Points significantly.
Grab welcome and milestone bonuses whenever possible, always. Bonuses help offset your annual card fees easily.
Redeem rewards for bill discounts at checkout here. This gives you better value for your purchases.
Check and follow cashback or reward limits always. Stay within the limits set by ICICI Bank.
Pay your full bill every month without fail. Full payment avoids interest charges, nullifying your gains.

Follow these strategies and earn maximum ICICI Credit Card Reward Points consistently.

Conclusion

ICICI Bank offers five excellent credit cards to suit different needs. Choose carefully based on your spending patterns and lifestyle preferences. Platinum suits basic users, whilst Coral fits frequent shoppers well. Rubyx delivers premium benefits for regular spenders and travellers. Sapphiro and Emeralde provide top-tier privileges for exclusive members.

Earning ICICI Credit Card Reward Points becomes easier with the right card. Always compare features, fees, and benefits before selecting your card. Maximise ICICI Credit Card Reward Points by choosing wisely.

Also Read – ICICI Credit Card Reward Points

Bonus Tip: From 1 July 2025 onwards, ICICI Bank will roll out revised rules for credit cards, including minimum spending requirements for free lounge access and new fees for certain transactions. So, check the latest terms carefully before you apply.

FAQs

Q1: Do ICICI reward points expire?

Yes, your reward points expire if you do not use them.

Q2: Do supplementary cards earn separate ICICI Credit Card Reward Points?

Supplementary cards earn points credited to the primary account automatically.

Q3: What happens to ICICI Credit Card Reward Points upon card closure?

All accumulated points cancel immediately when the card closes permanently.

Q4: Can I combine reward points from multiple ICICI Bank cards?

No, each card maintains a separate reward point account independently.

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