ICICI Bank issues a range of credit cards for different uses. Some cards are intended for routine expenses, such as shopping or dining. Others have benefits for travel or higher spending. The cards have different features, charges, and reward structures. Choosing a card depends on how it will be used and the types of transactions it will cover.
5 Popular ICICI Credit Cards at a Glance
1. Platinum Chip Credit Card: This is a basic card with no joining or annual fee. It suits people starting out with a credit card. It gives reward points on most spends except fuel, and offers discounts on movies and dining.
2. Coral Credit Card: Annual fee and Rs. 500 + GST joining fee to be paid separately. Customers and infrequent travellers are the target market for the Coral Credit Card. It offers up to 10,000 reward points, a 25% discount on BookMyShow and INOX tickets twice a month, and one complimentary railway lounge visit every three months for a joining and annual fee of Rs. 500 + GST.
3. Rubyx Credit Card: Rs. 3,000 + GST joining, Rs. 2,000 + GST annual fee. The Rubyx Credit Card has higher fees and is suited for regular spenders. It gives reward points on nearly every transaction except fuel. Other benefits include airport lounge access, fuel surcharge waivers, and discounts on movies, golf, and dining.
4. Sapphiro Credit Card: Rs. 6,500 + GST joining, Rs. 3,500 + GST annual fee. This is a premium card. It has benefits across entertainment, wellness, and travel. It gives access to the DreamFolks DragonPass programme and allows a “buy one, get one” offer worth Rs. 500 on BookMyShow and INOX tickets twice every month.
5. Emeralde Credit Card: Rs. 12,000 + GST joining and annual fee. The Emeralde Credit Card is the bank’s top offering. Its Rs. 12,000 + GST fee gives access to unlimited airport lounges, free golf rounds, and reward points across transactions. The card also includes fuel surcharge waivers and discounts across movies, restaurants, and other services.
Also read: These RuPay Credit Cards Charge ZERO Annual Fees – Don’t Miss Out!
Things to Consider When Choosing an ICICI Credit Card
- Spending Patterns: Look closely at where you spend money. If you shop online often, a card that gives higher reward points or discounts for this category can be worthwhile. If you spend more on movies, travel, or dining, pick a card tailored to that.
- Annual Fee and Charges: Higher annual fees usually mean more benefits. Check if those benefits match your actual needs. Sometimes a basic card works better if you don’t spend much.
- Suited for Salaried Individuals: If you have a regular income, pick a card that gives benefits across daily expenses — like fuel, entertainment, or groceries.
- Credit Score: A strong credit score improves the chance of getting a premium card. Check your score periodically to understand which card you qualify for.
- Interest Rates: Check the annual percentage rate (APR) for the card. If you expect to carry a balance, a lower rate can save money.
Final Thoughts
ICICI Bank has cards for a range of lifestyles and financial profiles. The right card is the one that suits how you spend, how often you travel, and the benefits you expect. By understanding the options available — and matching them to your habits — you can find a card that works well for you in 2025.
Written by Promita Ghosal
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