A Deep Dive into the Best ICICI Credit Cards of the Year

best icici credit cards

ICICI Bank has established itself as a pioneering force in the ever-evolving domain of Indian finance, influencing the sector with its groundbreaking banking solutions since its establishment in 1994. With a notable distinction for being the first in the country to implement internet banking, ICICI, the second-largest private sector bank, embodies a long history of financial prowess. As of 2024, the company has expanded its credit card portfolio to accommodate a wide range of consumer demands, including those of ardent customers and travel enthusiasts. This article examines the ten most prestigious credit cards offered by ICICI Bank, providing detailed analyses of each card and shedding light on the distinctive advantages that render them highly sought-after options in the dynamic realm of personal finance.

Amazon Pay ICICI Credit Card

The Amazon Pay ICICI Credit Card application period, which was previously invitation-only, has begun. Designed for individuals who enjoy online purchasing, emphasising Amazon Prime members, it provides various benefits, including cashback and EMI options.

Key Highlights:

  • There are no annual or membership fees.
  • Amazon Prime members receive 5% cashback on all purchases.
  • Cashback on Amazon Pay transactions and dining bill discounts are additional perks.
  • 2% commission on Amazon Pay purchases made with one hundred or more associates.
  • Achieve a minimum 15% reduction on dining expenses at establishments participating in the ICICI Culinary Treats Programme.

ICICI Bank Sapphiro Credit Card

Consistent domestic and international travellers will find the Sapphiro Credit Card, a premium Gemstone Collection offering, an ideal companion. It offers a variety of benefits and privileges, such as access to lounges and golf courses, among others.

Key Highlights:

  • Upon enrolling, you will receive welcome vouchers and cash-back points.
  • Access to complimentary lounges at domestic airports.
  • The membership includes golf privileges, culinary discounts, and comprehensive insurance coverage.
  • Four rounds of golf at no monthly cost in addition to qualifying expenses.
    For every Rs. 100 spent on international transactions, earn four reward points.

MakeMyTrip ICICI Bank Signature Credit Card

Co-branded with MakeMyTrip, this card provides privileged individuals access to airport lounges, reduced prices on amusement, and special privileges when making travel and hotel reservations.

Key Highlights:

  • Membership entails exclusive memberships and holiday vouchers as benefits.
  • Airport and railway lounge access is complimentary.
  • Attractive incentives from MakeMyTrip” and discounts on dining and movie tickets.
  • A minimum of two tickets per transaction purchased individually on BookMyShow and Inox will receive a 25% discount, up to a maximum of Rs. 150.

ICICI Bank HPCL Super Saver Credit Card

Its rewards for fuel transactions at HPCL outlets are substantial, as it is a fuel-centric card. It provides cashback, payback points, and discounts across multiple categories, in addition to petroleum convenience.

Key Highlights:

  • A membership provides compensation and reward points.
  • Cashback of 5% on petroleum purchases made at HPCL outlets.
  • Airport lounge access and complimentary round-the-clock roadside assistance.
  • Retail transactions earn two payback points for every 100 rupees spent.

ICICI Bank Emeralde Credit Card

Situated among the finest offerings of ICICI Bank, the Emeralde Credit Card targets affluent individuals by providing many lifestyle advantages, travel concessions, and exclusive privileges.

Key Highlights:

  • Annual fee reversals are contingent on expenditures.
  • Complete insurance, golf privileges, and unrestricted lounge access.
  • Significant rewards are available, including dining discounts and Dreamfolks memberships.
  • For every Rs. 100 spent on retail transactions, one can accumulate four ICICI Rewards Points.

ICICI Bank Coral Credit Card

The Coral Credit Card is ideal for individuals pursuing appealing reductions on routine purchases, as it operates on a point system and prioritises purchasing rewards.

Key Highlights:

  • Maturity benefits and rewards for transactions.
  • Exclusive partner brand offers and discounts on dining, movie tickets, and merchandise.
  • It is included in the ICICI Bank Milestone Rewards initiative.
  • One hundred rupees spent with the card will earn you two reward points.

ICICI Platinum Chip Credit Card

Platinum Chip Credit Card benefits include dining discounts, transportation surcharge waivers, rewards, and being a fundamental credit card with frequent partner offers.

Key Highlights:

  • The security features comprise a chip and contactless technology.
  • Rewards can be accumulated on utility and retail expenditures.
  • Partner brands provide offers and discounts on dining.
  • Two reward points are awarded for every hundred rupees spent on retail purchases, excluding petroleum.

MakeMyTrip ICICI Bank Platinum Credit Card

MakeMyTrip ICICI Bank Platinum Credit Card: Travel Perks & Discounts

Presented in partnership with MakeMyTrip, this travel-oriented credit card accommodates the needs of frequent travellers by providing perks such as lounge privileges, rebate opportunities, and exclusive discounts on travel reservations.

Key Highlights:

  • Access to complimentary railway and airport lounges.
  • “My Cash”-credited purchases are eligible for cashback.
  • Permissions for onboarding consist of a MakeMyTrip holiday voucher and My Cash.
  • Obtain MMTBLACK Membership, a programme that provides enhanced advantages for subsequent reservations made on MakeMyTrip.

Emirates Skywards ICICI Bank Emeralde Credit Card

A travel credit card that provides a variety of perks, including lounge access, leisure sessions, Skywards Miles, and more, for Emirates enthusiasts.

Key Highlights:

  • Skywards membership and joining benefits are complimentary.
  • 100% access to lounges, leisure services, and thrilling travel privileges.
  • One potential reward is movie ticket discounts and Skywards Miles awards.
  • One of the yearly advantages is the maintenance of an Emirates Skywards Silver Tier membership.

Emirates Skywards ICICI Bank Sapphiro Credit Card

Co-branded with Emirates, this Sapphiro variant offers supplementary perks such as complimentary access to lounges, exemption from fuel surcharges, and preferential culinary discounts.

Key Highlights:

  • Complimentary membership to the Emirates Skywards Silver Tier.
  • Milestone benefits and Skywards Miles are among the rewards.
  • Access to a lounge, discounted movie tickets, and security chip technology.
  • A 1% fuel surcharge waiver is available at HPCL petrol stations.


Overall, the credit card portfolio of ICICI Bank serves as a testament to the bank’s dedication to pioneering advancements and client-focused financial solutions. Upon examining the options provided by the leading ten credit cards, it becomes apparent that ICICI Bank has not only responded to the evolving demands of its customers but has also established novel benchmarks for high-end offerings within the Indian banking industry. Whether an individual desires lifestyle privileges, purchasing rewards, or travel benefits, ICICI Bank’s credit cards indicate the institution’s commitment to improving its clients’ financial experiences. With an ever-expanding selection of credit solutions explicitly designed for the contemporary Indian consumer, ICICI Bank remains a paragon of economic empowerment moving forward. The optimal ICICI Bank credit card is contingent upon personal inclinations, expenditure routines, and way of life decisions. Before applying for a credit card, you should constantly evaluate the most recent terms and conditions to ensure they suit your financial objectives.

How to Apply

Visit the ICICI Bank website, select the desired credit card, and complete the online application procedure to apply for one. For a seamless application process, ensure you have the necessary documentation, including proof of identification and income particulars.


  • Various credit cards are available from ICICI Bank to accommodate a range of preferences.
  • Take advantage of exclusive perks like lounge access, cashback, and discounts.
  • Utilise the user-friendly online platform to administer your card, review statements, and quickly submit payments.


Can anyone apply for an ICICI Bank credit card?

Applicants who satisfy the bank’s eligibility requirements and possess a genuine income and credit history may apply.

What documents are required for the application?

Income information and evidence of identification, in addition to proof of address, are required for the application process.

How can I check my credit card application status?

It is possible to monitor the status of your application via the bank’s customer service or its official website.