Is the Amazon Pay ICICI card really lifetime free?

Yes, the Amazon Pay ICICI Bank Credit Card has no joining fee and no annual fee - lifetime free. It earns 5% cashback on Amazon for Prime members and 3% for non-Prime users, credited directly as Amazon Pay balance.

How do I upgrade my ICICI credit card?

Log in to iMobile Pay or ICICI Internet Banking, go to 'Credit Cards' > 'Card Upgrade', and check available upgrade offers. Upgrades are typically offered after 12 months of satisfactory usage with consistent spend above the threshold.

What is ICICI Bank Emeralde Metal card's annual fee?

The ICICI Emeralde Private Metal card has an annual fee of ₹12,499 (plus GST). The fee is waived on ₹10 lakh annual spend. Benefits include unlimited Priority Pass lounge access, 4 RP per ₹100, concierge, and complimentary golf rounds.

Which ICICI card is best for beginners?

The ICICI Coral Credit Card is the best entry-level card from ICICI Bank - a joining fee of ₹500 (waived on ₹1.5 lakh spend), 2 reward points per ₹100, complimentary BookMyShow vouchers monthly, and 1 domestic lounge visit per quarter. For a truly free starting card, the Amazon Pay ICICI card is lifetime free with immediate 3-5% cashback on Amazon.

Should I choose ICICI Sapphiro or jump to Emeralde?

Sapphiro costs ₹6,500 (renewing at ₹3,500) while Emeralde costs a much higher ₹12,000 - Emeralde adds unlimited lounge access and golf privileges that Sapphiro doesn't match. Sapphiro is the better value pick for moderate premium spenders; Emeralde suits genuinely high-spend, travel-heavy cardholders who'll use its top-tier benefits.

What is the difference between ICICI Rubyx and Coral?

Rubyx costs ₹3,000 (renewing at ₹2,000) versus Coral's ₹500 - Rubyx delivers a meaningfully stronger reward rate and benefit set. Coral is the better starting point for new cardholders; Rubyx suits those who have outgrown Coral's basic benefits and want a mid-tier step up.

Which ICICI card is best for HPCL fuel spending?

ICICI offers two HPCL-focused cards: HPCL Super Saver (₹500, combines fuel savings with lounge access and dining discounts) and HPCL Platinum (₹199, a lower-fee, more fuel-focused alternative). Choose Super Saver if you also want travel-lifestyle benefits, Platinum if you want the lowest possible fee.

ICICI Bank Cards

ICICI Bank - Premium Rewards & Co-branded Excellence

Est.1994HQMumbai, Maharashtra72 Cards Available

Browse All Cards

Total Cards

Avg. Joining Fee

₹6,557

About This Bank

ICICI Bank Credit Cards - 2026 Overview

ICICI Bank offers one of India's widest credit card portfolios, with cards tailored for every lifestyle - from students to high-net-worth individuals. The bank has excelled at co-branded partnerships (Amazon, MakeMyTrip, Manchester United) while maintaining a strong lineup of bank-branded cards.

Cashback & Everyday Cards Compared

With 71 active cards, ICICI's lineup spans free entry cards to invitation-only ultra-premium products - these tables group similar cards for easier comparison before you browse the full list below.

Portfolio Highlights

Cashback & Everyday: Amazon Pay ICICI (5% on Amazon Prime), Platinum Chip, Coral - reliable everyday cards with no or low annual fees.

Travel & Lifestyle: MakeMyTrip ICICI, Rubyx, Sapphiro - for frequent travellers needing lounge access, air miles, and dining privileges.

Premium: Emeralde and Emeralde Private Metal - ICICI's flagship ultra-premium cards with unlimited lounge access, concierge, and high reward earn rates. By invitation / relationship.

Key Strengths

Amazon Pay card: One of India's most popular co-branded cards with 5% cashback on Amazon (Prime users) - no annual fee.
MakeMyTrip partnership: Dedicated travel rewards ecosystem with bonus MMT Cash and accelerated earn on hotel + flight bookings.
ICICI Bank Rewards Programme: Flexible redemption through the ICICI Bank Rewards portal or partner transfer.

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Cashback & Everyday Cards Compared

Card	Fee	Reward Type	Best For
Amazon Pay ICICI Bank Credit Card	Lifetime Free	Cashback	Amazon-focused shoppers, zero fee
ICICI Bank Platinum Chip Credit Card	Lifetime Free	Reward Points	Free general-purpose entry card
ICICI Bank Coral Credit Card	₹500 + GST	Reward Points	Entry-level with movie/dining perks
ICICI Bank HPCL Super Saver Credit Card	₹500 + GST	Reward Points, Cashback	HPCL fuel + travel-lifestyle mix
ICICI Bank Business Advantage Blue Card	₹500 + GST	Cashback	Small business/professional spend

Travel & Premium Cards Compared

Card	Fee	Reward Type	Best For
MakeMyTrip ICICI Bank Credit Card	₹999 + GST	Reward Points	Frequent MakeMyTrip bookers
ICICI Bank Rubyx Credit Card	₹3,000 + GST	Reward Points	Mid-tier step-up from Coral
ICICI Bank Sapphiro Credit Card	₹6,500 + GST	Reward Points	Moderate premium travel spenders
ICICI Bank Emeralde Credit Card	₹12,000 + GST	Reward Points	Unlimited lounge + golf privileges
ICICI Bank Emeralde Private Metal Credit Card	₹12,499 + GST	Reward Points	ICICI's flagship ultra-premium card

Eligibility Guide

Min. Income

₹2 lakh p.a.

CIBIL Score

700+

Age Range

18-65 years

Eligibility for ICICI Bank Credit Cards

General Criteria

Age: 18-65 years
Income: ₹2 lakh p.a. (Platinum/Coral); ₹6 lakh+ (Sapphiro); ₹15 lakh+ (Emeralde)
Credit Score: 700+ recommended
Employment: Salaried, self-employed, or student (select cards)

Amazon Pay ICICI Card

Applies online in minutes with Amazon account. Income criteria flexible; approval typically based on Amazon Pay history and CIBIL.

Existing Customers

Reward Points

TravelUtilitiesInternational Spends

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Amazon Pay ICICI Bank Credit Card

The Amazon Pay ICICI Bank Credit Card is a lifetime-free co-branded card ideal for frequent Amazon shoppers, especially Prime members. It offers up to...

Joining Fee:

Lifetime Free

Renewal Fee:

Lifetime Free

Reward Type:

Cashback

ShoppingInternational SpendsDining

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Chennai Super Kings ICICI Bank Credit Card

The Chennai Super Kings ICICI Bank Credit Card is a co-branded offering designed for ardent CSK fans, providing unique experiences like meeting player...

Joining Fee:

₹500 + GST

Renewal Fee:

₹500 + GST

Reward Type:

Reward Points

PremiumMoviesTravel

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Emirates Skywards ICICI Bank Emeralde Credit Card

The Emirates Skywards ICICI Bank Emeralde Credit Card is a premium travel card designed for frequent Emirates flyers. It offers substantial Skywards M...

Joining Fee:

₹10,000 + GST

Renewal Fee:

₹10,000 + GST

Reward Type:

Air Miles

TravelPremiumDining

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Emirates Skywards ICICI Bank Rubyx Credit Card

The Emirates Skywards ICICI Bank Rubyx Credit Card is an affordable option for frequent Emirates flyers, allowing cardholders to earn Skywards Miles o...

Joining Fee:

₹1,000 + GST

Renewal Fee:

₹1,000 + GST

Reward Type:

Air Miles

TravelMoviesDining

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Emirates Skywards ICICI Bank Sapphiro Credit Card

The Emirates Skywards ICICI Bank Sapphiro Credit Card is a premium travel card designed for frequent flyers, especially with Emirates. It offers Skywa...

Joining Fee:

₹5,000 + GST

Renewal Fee:

₹5,000 + GST

Reward Type:

Air Miles

TravelMoviesDining

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Goibibo ICICI Bank Forex Prepaid Card

forex

Goibibo ICICI Bank Forex Prepaid Card

The Goibibo ICICI Bank Forex Prepaid Card is a co-branded foreign exchange card issued by ICICI Bank in collaboration with Goibibo, a popular travel p...

Joining Fee:

Not Available

Renewal Fee:

Not Available

Reward Type:

Multi-Country TravelFrequent FlyersInternational Spends

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