ICICI Bank Credit Cards
Complete catalogue of all 12 ICICI Bank credit cards with MITC verified data
Total
12
Cards
Zero Fee
2
Lifetime Free
ICICI Bank 4-Pillar Issuer Benchmark
12 cards found
Top Recommended ICICI Bank Credit Cards (2026)
Hand-picked best value cards based on annual fee waivers, reward power, and CardCheck score
Amazon Pay ICICI
5% Unlimited Cashback for Amazon Prime members
ICICI Bank Sapphiro
Complimentary airport & railway lounge access + Buy 1 Get 1 tickets
ICICI Bank Coral
Earn rewards on QR code merchant UPI transactions
| Feature | Amazon Pay ICICI | ICICI Bank Sapphiro | ICICI Bank Coral |
|---|---|---|---|
| CardCheck Score | 77/100 | 75/100 | 69/100 |
| Rating Verdict | Very Good | Very Good | Good |
| Primary Benefit | Rewards on Amazon Purchases | Premium travel and rewards | Entry-level rewards and domestic lounge access |
| Annual Fee | Free | ₹3,500 | ₹500 |
| Spend Fee Waiver | — | ₹6 Lakh Spend | ₹1.5 Lakh Spend |
| Lounge Access | — | 16 Domestic / Year | 4 Domestic / Year |
| Min Salary Target | ₹20,000 / month | ₹75,000 / month | ₹20,000 / month |
2026 ICICI Bank Portfolio Verdict Matrix
At-a-glance verdicts to match your primary spend goal with the highest-earning ICICI Bank card
| Spend Goal | Recommended Card | Key Reward Rate | Annual Fee & Waiver | CardCheck Verdict |
|---|---|---|---|---|
| Zero Fee & Online Shopping | Amazon Pay ICICI Bank Credit Card | 5% Unlimited Cashback (Prime) | Lifetime Free (₹0)Zero Fee Forever | India’s most popular lifetime free credit card with direct monthly Amazon Pay balance auto-credit. |
| Premium Lifestyle & Lounges | ICICI Bank Sapphiro Credit Card | DreamFolks Lounge & BOGO Movies | ₹3,500 + GSTWaived at ₹6 Lakh spend | Dual-card variants with international/domestic airport lounge access and Buy 1 Get 1 BookMyShow tickets. |
| UPI QR Code Payments | ICICI Bank Coral Credit Card | 2 Reward Points per ₹100 | ₹500 + GSTWaived at ₹1.5 Lakh spend | RuPay credit card seamlessly linked to UPI apps (PhonePe, GPay, Paytm) for merchant QR code scanning. |
| Super-Premium Luxury | ICICI Bank Emeralde Private Metal Credit Card | Unlimited Lounges & Low 1.5% Forex | ₹12,499 + GSTWaived at ₹10 Lakh spend | Ultra-premium metal card with unlimited international airport lounges, low forex markup, and golf privileges. |
Popular comparisons for ICICI Bank Credit Cards
Side-by-side head-to-head match-ups based on real user spend patterns
ICICI Bank Specifications & Essential Data (2026)
Official helpline contacts, forex markup rates, reward point rules, and eligibility standards
Official Helpline
1800 108 0
Forex Markup
0.99% – 3.50%
Points Expiry
Never Expires
Min CIBIL Target
750+
ICICI Bank Key Takeaways & Portfolio Highlights
How to Choose the Best ICICI Bank Credit Card in 2026
ICICI Bank offers a diverse portfolio of credit cards in India covering cashback, travel, rewards, and zero-annual-fee options. When choosing a card, compare the annual fee against your expected yearly spend to ensure fee waivers are achievable.
Evaluate cards based on primary benefits such as airport lounge access, accelerated reward points on online shopping, fuel surcharge waivers, and RuPay UPI support for seamless mobile payments.
All ICICI Bank credit card details listed on CardCheck are verified directly against published Most Important Terms & Conditions (MITC) documents, ensuring 100% accurate fee structures and reward rules.
Frequently asked questions about ICICI Bank credit cards
Verified answers regarding annual fees, lounge access, rewards, and eligibility
Which is the best ICICI credit card in 2026?
Amazon Pay ICICI Card is the best ICICI credit card overall, offering 5% unlimited cashback for Prime members with ₹0 joining fee and ₹0 annual fee for life. For premium lifestyle, lounge access, and movie tickets, ICICI Sapphiro is the top choice.
What is the hierarchy of ICICI Bank credit cards?
ICICI Bank's core credit card hierarchy is: 1) ICICI Platinum Chip (entry-level, often lifetime free), 2) ICICI Coral (accessible lifestyle & RuPay UPI), 3) ICICI Rubyx (mid-tier dual-card with lounge access), 4) ICICI Sapphiro (premium travel, BMS BOGO, and international lounge), and 5) ICICI Emeralde / Emeralde Private Metal (super-premium luxury with 1.5% forex and unlimited lounge access).
Is Amazon Pay ICICI credit card completely lifetime free?
Yes. Amazon Pay ICICI Card has ₹0 joining fee and ₹0 annual fee for life with no spend conditions, offering 5% cashback for Amazon Prime members and 3% for non-Prime users.
Which ICICI credit card offers airport lounge access?
ICICI Sapphiro, ICICI Rubyx, and ICICI Coral (RuPay/Visa) offer complimentary domestic airport lounge access subject to quarterly spend thresholds (e.g. ₹35,000 in previous quarter).
Which ICICI credit card is best for UPI payments?
ICICI Coral RuPay Credit Card and ICICI Rubyx RuPay can be linked to UPI apps (PhonePe, Google Pay, Paytm) to earn reward points on merchant QR payments.
How to convert ICICI credit card purchases into EMI?
You can convert transactions above ₹2,500 into flexible 3 to 24-month EMIs using iMobile Pay or Internet Banking under the 'Manage Cards' section.
What is ICICI Bank ICICI Gemstone collection?
The Gemstone collection includes Coral, Rubyx, and Sapphiro cards, catering to entry-level, mid-tier, and premium lifestyle segments with tiered airport lounge and dining benefits.