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, Maharashtra71 Cards Available

Browse All Cards

Total Cards

Avg. Joining Fee

₹4,384

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.

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

Travel & Premium Cards Compared

Card	Annual Fee	Reward Type	Best For
MakeMyTrip ICICI Bank	₹999 + GST	Reward Points	Frequent MakeMyTrip bookers
ICICI Rubyx	₹3,000 + GST	Reward Points	Mid-tier step-up from Coral
ICICI Sapphiro	₹6,500 + GST	Reward Points	Moderate premium travel spenders
ICICI Visa Signature	₹25,000 + GST	Reward Points	High-fee alternative premium tier
ICICI Emeralde	₹12,000 + GST	Reward Points	Unlimited lounge + golf privileges
ICICI Emeralde Private Metal	₹12,499 + GST	Reward Points	ICICI's flagship ultra-premium card

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.

Featured ICICI Bank Cards

Amazon Pay ICICI Bank Credit Card

The Amazon Pay ICICI Bank Credit Card is a popular lifetime-free shopping card designed for Amazon loyalists. It offers up to 5% cashback for Prime me...

Joining Fee:

Nil

Renewal Fee:

Nil

Reward Type:

Cashback

ShoppingUtilities

ICICI Bank Cards

About This Bank

ICICI Bank Credit Cards - 2026 Overview

Cashback & Everyday Cards Compared

Travel & Premium Cards Compared

Portfolio Highlights

Key Strengths

Featured ICICI Bank Cards

Amazon Pay ICICI Bank Credit Card

ICICI Bank Coral Credit Card

ICICI Bank Sapphiro Credit Card

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank Rubyx Credit Card

MakeMyTrip ICICI Bank Credit Card

Eligibility Guide

Eligibility for ICICI Bank Credit Cards

General Criteria

Amazon Pay ICICI Card

Existing Customers

All ICICI Bank Cards

Amazon Pay ICICI Bank Credit Card

Adani One ICICI Bank Platinum Credit Card

ICICI Bank Coral Credit Card

ICICI Bank Platinum Chip Credit Card

ICICI Bank Rubyx Credit Card

ICICI Bank Sapphiro Credit Card

ICICI Bank Emeralde Credit Card

ICICI Bank HPCL Super Saver Credit Card

MakeMyTrip ICICI Bank Credit Card

Frequently Asked Questions