Best ICICI Bank Credit Cards in India 2020

ICICI Bank offers a variety of credit cards that can offer excellent value to many different consumers. Our researchers at ValueChampion have conducted research on their credit cards to come up with a comprehensive list of the top cards from ICICI Bank.

Best Travel Cards:
Best Card for Fuel:
Best Card for Non-Resident Indians:

Best Travel Rewards Credit Cards

Travel rewards credit cards are useful options for consumers that travel fairly often. The cards offer unique rewards and benefits related to air or ground transportation. ICICI Bank has a decent selection of travel credit cards and the top selections are listed below.

Best Credit Card for MakeMyTrip Bookings: MakeMyTrip ICICI Bank Signature Credit Card

  • 2% rewards rate on MakeMyTrip bookings, Rs. 2,500 on LemonTree Hotels
  • Promotions: Welcome Gift: 10,000 Reward Points (worth ₹ 10,000)
  • Renewal Bonus: 5,000 Reward Points (worth ₹ 5,000); not applicable when renewal fee is waived (requires annual spend of ₹ 500,000)
With the MakeMyTrip ICICI Bank Signature Credit Card, ICICI offers a great option for consumers that prefer to book their travels through MakeMyTrip (MMT). For instance, the card offers sign-up bonuses of Rs. 1,500 in MyCash to use on the MMT platform and a Rs. 2,500 LemonTree Hotel voucher. The card also earns you a promotion of Rs. 4,000 of My Cash each anniversary year once you surpass certain spending thresholds and access to an invitation-only MMTDOUBLEBLACK membership. The cardholder will also receive a MMTBLACK membership that can help earn more points through spending, shown in the table below.


In regards to rewards points, the MakeMyTrip ICICI Signature Card has a solid rewards rate on travel bookings made on MakeMyTrip at 2% for hotel and holiday spending and 1% for flight bookings. In addition to this, overseas spending has a rate of 0.75%. The card; however, offers a relatively low rewards rate of 0.63% on all other spending categories outside the ones mentioned above. Due to these rates, perks, and promotions, this is the best card for those that often use MMT to book their travels.

  • Joining Fee: Rs. 2,500
  • Annual Fee: No Fee
  • Earn Rate: 1.25 point per Rs. 200 all spending, 4 points per Rs. 200 for hotel and holiday spending on MakeMyTrip, 2 points per Rs. 200 for flight bookings on MakeMyTrip, 1.5 points per Rs. 200 for spends outside MakeMyTrip
  • Point Value: 1 point = Rs. 1
  • Travel: Cardholder will receive a Lemon Tree Hotels voucher worth Rs 2,500 as a welcome gift, up to 2 airport lounge visits per quarter, additional international roaming pack up to Rs 3,999 with Airtel
  • MMTBLACK and MMTDOUBLEBLACK: MMTBLACK offers My Cash rewards as cardholder spending increases, MMTDOUBLEBLACK allows the cardholder to cancel 2 domestic flights and 2 domestic hotels. This is provided for one year but to renew there will be a cost of Rs. 1,499
  • Ola: Every 6th ride per month will be free on OLA
SpendEarn
₹ 20,000₹ 500 My Cash
₹ 50,000₹ 1,250 My Cash
₹ 1,000,000₹ 1,500 My Cash
₹ 2,000,000₹ 3,000 My Cash
₹ 3,000,000₹ 3,750 My Cash
₹ 5,000,000₹ 15,000 My Cash
  • 2% rewards rate on MakeMyTrip bookings, Rs. 2,500 on LemonTree Hotels
  • Promotions: Welcome Gift: 10,000 Reward Points (worth ₹ 10,000)
  • Renewal Bonus: 5,000 Reward Points (worth ₹ 5,000); not applicable when renewal fee is waived (requires annual spend of ₹ 500,000)
With the MakeMyTrip ICICI Bank Signature Credit Card, ICICI offers a great option for consumers that prefer to book their travels through MakeMyTrip (MMT). For instance, the card offers sign-up bonuses of Rs. 1,500 in MyCash to use on the MMT platform and a Rs. 2,500 LemonTree Hotel voucher. The card also earns you a promotion of Rs. 4,000 of My Cash each anniversary year once you surpass certain spending thresholds and access to an invitation-only MMTDOUBLEBLACK membership. The cardholder will also receive a MMTBLACK membership that can help earn more points through spending, shown in the table below.


In regards to rewards points, the MakeMyTrip ICICI Signature Card has a solid rewards rate on travel bookings made on MakeMyTrip at 2% for hotel and holiday spending and 1% for flight bookings. In addition to this, overseas spending has a rate of 0.75%. The card; however, offers a relatively low rewards rate of 0.63% on all other spending categories outside the ones mentioned above. Due to these rates, perks, and promotions, this is the best card for those that often use MMT to book their travels.

  • Joining Fee: Rs. 2,500
  • Annual Fee: No Fee
  • Earn Rate: 1.25 point per Rs. 200 all spending, 4 points per Rs. 200 for hotel and holiday spending on MakeMyTrip, 2 points per Rs. 200 for flight bookings on MakeMyTrip, 1.5 points per Rs. 200 for spends outside MakeMyTrip
  • Point Value: 1 point = Rs. 1
  • Travel: Cardholder will receive a Lemon Tree Hotels voucher worth Rs 2,500 as a welcome gift, up to 2 airport lounge visits per quarter, additional international roaming pack up to Rs 3,999 with Airtel
  • MMTBLACK and MMTDOUBLEBLACK: MMTBLACK offers My Cash rewards as cardholder spending increases, MMTDOUBLEBLACK allows the cardholder to cancel 2 domestic flights and 2 domestic hotels. This is provided for one year but to renew there will be a cost of Rs. 1,499
  • Ola: Every 6th ride per month will be free on OLA
SpendEarn
₹ 20,000₹ 500 My Cash
₹ 50,000₹ 1,250 My Cash
₹ 1,000,000₹ 1,500 My Cash
₹ 2,000,000₹ 3,000 My Cash
₹ 3,000,000₹ 3,750 My Cash
₹ 5,000,000₹ 15,000 My Cash

Best Credit Card for Domestic Lounge Access: ICICI Bank Sapphiro American Express Credit Card

  • 4 quarterly airport lounge visits, 1.5% rewards rate on overseas spending
  • Promotions: Sign-up Bonus: Shopping and travel vouchers woth Rs. 10,000 after paying joining fee
  • Anniversary Bonus: 4,000 PAYBACK points on spending ₹ 400,000 on your card and 2,000 PAYBACK points each time you cross ₹ 100,000 spend thereafter in an anniversary year; maximum of 20,000 PAYBACK points per year
  • Anniversary Bonus: 20,000 PAYBACK points
The ICICI Bank American Express Sapphiro Card is the best ICICI Bank card for airport lounge access. The card offers great promotions and perks, 2 international airport lounge visits per year and a quarterly perk of 4 domestic lounge visits. You also get up to two domestic airport spa visits per calendar year. These travel perks are awarded through the DreamFolks DragonPass Lounge Access Programme.


Furthermore, the ICICI Bank American Express Sapphiro Card offers a 0.75% rewards rate on general spending, an elevated 1.50% rewards rate on overseas spending and a rewards rate 0.25% on utility spending. When compared to its MasterCard counterpart, the ICICI Bank Sapphiro American Express Credit Card also offers 50% more in rewards. Finally, the card also offers both entertainment and air travel coverages listed below for your reference.

  • Joining Fee: Rs. 6,500
  • Annual Fee: Rs. 3,500 (This can be waived if the cardholder reaches annual spends of Rs. 600,000)
  • Earn Rate: 3 points per Rs. 100 on all spends (except overseas spending and utilities), 6 points per Rs. 100 on overseas spending, 1 point per Rs. 100 on utility spending
  • Point Value: 1 Reward Point = Rs. 0.25
  • Movies: With the purchase of one movie ticket the cardholder can get up to Rs. 500 off of a second ticket on BookMyShow, twice every month
  • Dining: A minimum of 15% savings on dining at over 2,500 restaurants across the nation through the Culinary Treats Programme
  • Insurance: Offers air accident insurance up to Rs. 3,000,000, air accident insurance up to Rs. 3 crore, baggage insurance up to Rs. 25,000, loss of travel documents $500, loss of checked baggage $1,200, delay receipt of checked baggage $300 in excess of 12 hours, missing flight due to trans-shipment $300, plane hijacking $250 per hour of up to a maximum of 12 hours, delay in flight coverage of $250 over 12 hours
  • 4 quarterly airport lounge visits, 1.5% rewards rate on overseas spending
  • Promotions: Sign-up Bonus: Shopping and travel vouchers woth Rs. 10,000 after paying joining fee
  • Anniversary Bonus: 4,000 PAYBACK points on spending ₹ 400,000 on your card and 2,000 PAYBACK points each time you cross ₹ 100,000 spend thereafter in an anniversary year; maximum of 20,000 PAYBACK points per year
  • Anniversary Bonus: 20,000 PAYBACK points
The ICICI Bank American Express Sapphiro Card is the best ICICI Bank card for airport lounge access. The card offers great promotions and perks such as, 2 international airport lounge visits per year. The cardholder also receives a quarterly perk of 4 domestic lounge visits along with 2 domestic airport spa visits per calendar year. These travel perks are received through the DreamFolks DragonPass Lounge Access Programme that the card provides the consumer.


Furthermore, the ICICI Bank American Express Sapphiro Card offers a 0.75% rewards rate on general spending, an elevated 1.50% rewards rate on overseas spending and a rewards rate 0.25% on utility spending. When compared to its MasterCard counterpart, the ICICI Bank Sapphiro American Express Credit Card also offers 50% more in rewards. Finally, the card also offers both entertainment and air travel coverages listed below for your reference.

  • Joining Fee: Rs. 6,500
  • Annual Fee: Rs. 3,500 (This can be waived if the cardholder reaches annual spends of Rs. 600,000)
  • Earn Rate: 3 points per Rs. 100 on all spends (except overseas spending and utilities), 6 points per Rs. 100 on overseas spending, 1 point per Rs. 100 on utility spending
  • Point Value: 1 Reward Point = Rs. 0.25
  • Movies: With the purchase of one movie ticket the cardholder can get up to Rs. 500 off of a second ticket on BookMyShow, twice every month
  • Dining: A minimum of 15% savings on dining at over 2,500 restaurants across the nation through the Culinary Treats Programme
  • Insurance: Offers air accident insurance up to Rs. 3,000,000, air accident insurance up to Rs. 3 crore, baggage insurance up to Rs. 25,000, loss of travel documents $500, loss of checked baggage $1,200, delay receipt of checked baggage $300 in excess of 12 hours, missing flight due to trans-shipment $300, plane hijacking $250 per hour of up to a maximum of 12 hours, delay in flight coverage of $250 over 12 hours

Credit Card for Train Ticket Booking: ICICI Bank American Express Rubyx Credit Card

  • 1.5% rewards rate on overseas spending, 2 complimentary railroad lounge visits
  • Promotions: Joining Bonus: Receive shopping and travel worth ₹ 5,000 within 30 days of joining
  • Anniversary Bonus: 3,000 PAYBACK Points on spending ₹ 300,000 on your card and 1,500 PAYBACK Points each time you cross ₹ 100,000 spend thereafter in an anniversary year; maximum of 15,000 PAYBACK points per year
The ICICI Bank Rubyx American Express Credit Card is the bank's best option for those who often travel domestically. The ICICI Rubyx Amex Card offers a rewards rate of 0.75% on general spending. In terms of overseas spending, the consumer is offered a rewards rate of 1.5%, providing cardholders 50% more rewards than the card’s Rubyx MasterCard counterpart.


Further, the card offers a variety of travel benefits. For instance, the card provides 2 complimentary railway and domestic airport lounge visits per quarter. The ICICI Rubyx Amex Card also offers travel insurance including, air accident insurance, credit shield, baggage insurance, and flight misses.

Read Our Review

  • Annual Fee: Rs. 2,000 (First Year) Rs. 3,000 (Anniversary - waived on annual spending of Rs. 300,000)
  • Earn Rate: 1 Reward Point = Rs. 0.25
  • Joining Perks: Receive shopping and travel worth Rs. 5,000 within 30 days of joining
  • Travel Lounges: 2 complimentary airport and railway lounge visits per quarter and complimentary access to domestic airport lounges in India
  • Travel Insurance: Air accident insurance of up to ₹ 1 crore, credit shield up to ₹ 50,000, baggage insurance up to ₹ 25,000, loss of travel documents up to $500, loss of checked baggage up to $1,200, delay in receipt of checked baggage up to $300 in excess of 12 hours, missing of flight due to trans-shipment$300, plane hijacking of $250 per hour up to max 12 hours, delay in flight $250 in excess of 12 hours, lost card liability ₹ 50,000 (2 days prior and 7 days post)
  • Dining: Minimum of 15% at over 2500 participating restaurants nationwide through The Culinary Treats Programme
  • Movies: Buy 1 get 1 free offers on BookMyShow and buy 1 get 1 free at INOX Cinemas, get up to 2 free tickets per month valued up to ₹ 300 per ticket on BookMyShow and INOX
  • Fuel surcharge: Save on 1% fuel surcharge up to ₹ 4,000
  • 1.5% rewards rate on overseas spending, 2 complimentary railroad lounge visits
  • Promotions: Joining Bonus: Receive shopping and travel worth ₹ 5,000 within 30 days of joining
  • Anniversary Bonus: 3,000 PAYBACK Points on spending ₹ 300,000 on your card and 1,500 PAYBACK Points each time you cross ₹ 100,000 spend thereafter in an anniversary year; maximum of 15,000 PAYBACK points per year
The ICICI Bank Rubyx American Express Credit Card is the bank's best option for those who often travel domestically. The ICICI Rubyx Amex Card offers a rewards rate of 0.75% on general spending. In terms of overseas spending, the consumer is offered a rewards rate of 1.5%, providing cardholders 50% more rewards than the card’s Rubyx MasterCard counterpart.


Further, the card offers a variety of travel benefits. For instance, the card provides 2 complimentary railway and domestic airport lounge visits per quarter. The ICICI Rubyx Amex Card also offers travel insurance including, air accident insurance, credit shield, baggage insurance, and flight misses.

Read Our Review

  • Annual Fee: Rs. 2,000 (First Year) Rs. 3,000 (Anniversary - waived on annual spending of Rs. 300,000)
  • Earn Rate: 1 Reward Point = Rs. 0.25
  • Joining Perks: Receive shopping and travel worth Rs. 5,000 within 30 days of joining
  • Travel Lounges: 2 complimentary airport and railway lounge visits per quarter and complimentary access to domestic airport lounges in India
  • Travel Insurance: Air accident insurance of up to ₹ 1 crore, credit shield up to ₹ 50,000, baggage insurance up to ₹ 25,000, loss of travel documents up to $500, loss of checked baggage up to $1,200, delay in receipt of checked baggage up to $300 in excess of 12 hours, missing of flight due to trans-shipment$300, plane hijacking of $250 per hour up to max 12 hours, delay in flight $250 in excess of 12 hours, lost card liability ₹ 50,000 (2 days prior and 7 days post)
  • Dining: Minimum of 15% at over 2500 participating restaurants nationwide through The Culinary Treats Programme
  • Movies: Buy 1 get 1 free offers on BookMyShow and buy 1 get 1 free at INOX Cinemas, get up to 2 free tickets per month valued up to ₹ 300 per ticket on BookMyShow and INOX
  • Fuel surcharge: Save on 1% fuel surcharge up to ₹ 4,000

Fuel Credit Cards

Fuel rewards credit cards are helpful to have as an additional card for those who tend to drive often. A fuel card can be used to get cashback and waive the fees fuel incurred by pumps. If this is of interest to you, ICICI Bank offers the best credit card for those that use HPCL pumps. If you are interested in a fuel card, check out our fuel cards page.

Best Fuel Credit Card for HPCL Pumps: ICICI Bank HPCL Coral Rewards

  • 2.5% cashback HPCL pumps
The ICICI HPCL Coral American Express Card is the best card for consumers that often purchase fuel from HPCL fuel pumps. For those of any age or income level, as long as you fuel at HPCL, as the card waives all fuel surcharge fees when used at HPCL pumps. Additionally, the card offers a rewards rate of 2.5% cashback.


However, for spends on all other retail categories, you will earn a below average rewards rate of 0.50%. Lastly, the card offers American Express Lounge Program access.

  • Annual Fee: Rs. 199 (after 1st year, waived on annual spend of Rs. 50,000)
  • Reward Earn Rate: 6 PAYBACK Points per Rs. 100 spent and 2.5% cashback (Rs. 500 minimum transaction) at HPCL pumps; 2 points per Rs. 100 spent on all other retail categories
  • Point Value: 2,000 PAYBACK Points = Rs. 500 fuel vouchers (25% value)
  • Perks: American Express Lounge Program; movie & dining benefits
  • Fuel Surcharge Waiver: HPCL pumps, minimum transaction Rs. 500
  • 2.5% cashback HPCL pumps
The ICICI HPCL Coral American Express Card is the best card for consumers that often purchase fuel from HPCL fuel pumps. For those of any age or income level, as long as you fuel at HPCL, as the card waives all fuel surcharge fees when used at HPCL pumps. Additionally, the card offers a rewards rate of 2.5% cashback.


However, for spends on all other retail categories, you will earn a below average rewards rate of 0.50%. Lastly, the card offers American Express Lounge Program access.

  • Annual Fee: Rs. 199 (after 1st year, waived on annual spend of Rs. 50,000)
  • Reward Earn Rate: 6 PAYBACK Points per Rs. 100 spent and 2.5% cashback (Rs. 500 minimum transaction) at HPCL pumps; 2 points per Rs. 100 spent on all other retail categories
  • Point Value: 2,000 PAYBACK Points = Rs. 500 fuel vouchers (25% value)
  • Perks: American Express Lounge Program; movie & dining benefits
  • Fuel Surcharge Waiver: HPCL pumps, minimum transaction Rs. 500

Non-Resident Indian (NRI) Credit Cards

As a Non-Resident Indian (NRI), you may want a credit card to use while in India to avoid forex fees. ICICI Bank offer a very limited number of NRI credit cards, below we have listed the best card offered for Non-Resident Indians by ICICI Bank. If you are visiting India or travel to India often and are interested in other options, take a look at our best NRI credit cards page our fuel cards page.

Best NRI Credit Card for Movie Goers: ICICI NRI Coral Card

  • Welcome Gift: Rs. 300 Uber vouchers
  • Monthly Bonus: Max 2 free movie tickets monthly via BookMyShow Buy One Get One offer (valued up to Rs. 250 per ticket)
The ICICI Bank NRI Coral Credit Card is a great option if you are a Non-Resident Indian and a movie fanatic. The card charges an annual fee of Rs. 1,000 for the first year and then charges Rs. 500 every year that follows. For movie benefits, the card offers 2 free movie tickets per month under the buy one get one free programme on BookMyShow. Valued at up to Rs. 250 per ticket, this can prove very beneficial if you frequently visit theatres as no other card offers this to Non-Resident Indians. Additionally, the cardholder is eligible for 2 free domestic airport lounge visits per quarter through the MasterCard programme. Overall, this can be very useful to any Non-Resident Indian looking for a credit card that can offer good movie perks.


Read Our Review

  • Annual Fee: Rs. 1,000 in 1st year; Rs. 500 beyond 1st year (waived on annual spend of Rs. 150,000)
  • Movie Perks: 2 free movie tickets per month under the buy one get one free programme
  • Perks: 2 free MasterCard lounge visits per quarter in India
  • Fuel Surcharge Waiver: HPCL transactions on ICICI merchant services machines (max Rs. 4,000 per transaction)
  • Welcome Gift: Rs. 300 Uber vouchers
  • Monthly Bonus: Max 2 free movie tickets monthly via BookMyShow Buy One Get One offer (valued up to Rs. 250 per ticket)
The ICICI Bank NRI Coral Credit Card is a great option if you are a Non-Resident Indian and a movie fanatic. The card charges an annual fee of Rs. 1,000 for the first year and then charges Rs. 500 every year that follows. For movie benefits, the card offers 2 free movie tickets per month under the buy one get one free programme on BookMyShow. Valued at up to Rs. 250 per ticket, this can prove very beneficial if you frequently visit theatres as no other card offers this to Non-Resident Indians. Additionally, the cardholder is eligible for 2 free domestic airport lounge visits per quarter through the MasterCard programme. Overall, this can be very useful to any Non-Resident Indian looking for a credit card that can offer good movie perks.


Read Our Review

  • Annual Fee: Rs. 1,000 in 1st year; Rs. 500 beyond 1st year (waived on annual spend of Rs. 150,000)
  • Movie Perks: 2 free movie tickets per month under the buy one get one free programme
  • Perks: 2 free MasterCard lounge visits per quarter in India
  • Fuel Surcharge Waiver: HPCL transactions on ICICI merchant services machines (max Rs. 4,000 per transaction)
Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.