ICICI Bank Credit Card Interest Rates

Here is the ICICI Credit Card Interest Rate -

Some top credit cards offered by ICICI Bank are-

Here are the major ICICI Credit card features for reference

You can earn up to 9 Avios for every Rs. 100 spent on the ICICI Bank British Airways Premium Credit Card. You may turn your purchases into miles and use them to get free flights or upgrades with British Airlines.

Customers who apply for an ICICI Bank Rubyx Credit Card will receive a complimentary pair of Sennheiser HD219 Headphones after paying the membership fees. The gift will be given within 30 days of the fee being paid.

When you apply for the ICICI Bank Sapphiro VISA credit card, you will receive a pair of Bose IE2 headphones. From the second year on, the annual charge for this card is Rs. 3,500. Your annual fee will be eliminated if you spent more than Rs. 5 lakhs in the previous year.

Spend Rs. 60,000 within the first three months of the Intermiles ICICI Sapphiro American Express Card activation to receive an additional flight discount voucher worth Rs. 750 and a hotel discount voucher worth Rs. 1,500.

Every Rs. 200 spent on your credit card in India earns you two hand-picked rewards. When you use your card abroad, you will receive four reward points for every Rs. 200 spent.

You can also increase your reward rewards to 8 points for every Rs. 200 spent on certain purchases. Redeem your points for a variety of gifts, promotions, and discounts, including lifestyle and travel benefits.

You get the one-time joining fee of Rs. 500 only. Little paperwork and rapid processing. The credit card will be connected to the fixed deposit, and the credit limit on the ICICI Bank Coral Credit Card will be roughly 85% of the fixed deposit funds.

Apart from the rewards you receive for using your credit card, credit cards have many other features. The following is a list of credit card applications-

• Reward points are given for every transaction made with your  credit card. These reward points can be accumulated to obtain a fantastic gift or redeemed for cashback.
  
• Some credit cards offer cashback on specific purchases, such as 5% cashback for online shopping and 5% cashback for using your credit card to pay utility bills. This is an excellent way to reduce spending.
• This is useful for people who travel frequently by plane. They will receive "miles" as a reward for using your credit card to purchase an airline ticket. With enough points, you can get a discount on future tickets or even get them for free.
  In addition, some credit cards provide access to airport lounges, which can come in handy if your flight is delayed.

Step 1: To apply for a credit card, go to https://www.icicibank.com/Personal-Banking/credit-card/application-online.page.

Step 2: Choose 'Apply now.'

Step 3: Complete the form and press the 'Receive offers' button.

Step 4: You will be shown a list of credit cards.

Step 5: Once you've decided on a credit card, click the 'Apply Now' button.

Step 6: Choose 'Confirm.'

An ICICI Bank representative will contact you and assist you in completing the procedure.

The fundamental qualifying conditions for applying for an ICICI credit card are shown below-

• You should be between the ages of 20 and 60
• With an annual salary of Rs.2.5 lakh, you would have a consistent stream of monthly income
• You must be either salaried or self-employed
• There is no existing debt
• Excellent credit score
• NRI is an Indian resident

The paperwork necessary to obtain a credit card is listed below-

• KYC documents include a passport, voter ID card, driving license, and so on
• Statements from a bank or a credit card
• If a PAN card is not available, use Form 60 instead
• Salary stubs, bank statements, Form 16, and income tax returns are examples of income proof

When you do not make timely payments or carry forward your dues, the bank charges you interest.

The interest rate charged by ICICI Bank varies depending on the credit card. The bank's credit cards are listed above, along with their monthly percent rate of interest and annual rate of interest.

The following are some circumstances in which credit card interest rates come into play:

• You do not pay off the whole balance on your Credit Card.
• You use your Credit Card to withdraw cash from an ATM.
• You pay off a portion of your credit card balance.

ICICI Bank offers a grace period to all credit cards, during which no interest is charged on card purchases. As a result, the period is known as an interest-free period.

A credit card interest-free period is defined as the interval between the transaction date and the payment due date. As a result, it differs for each transaction made with your credit card.

ICICI typically provides an interest-free term ranging from 15 to 45 days. If you pay within the period, that is, on or before the date it has to be paid, and no interest would be levied as long as you have no carry-forward balance from previous statements.

• Credit cards of ICICI Bank come with a plethora of attractive deals and discounts that help you save money on your shopping.
• You can use your credit cards to pay your mobile, electricity, gas, and water bills online.
• You could utilize your ICICI Bank credit card to take advantage of the bank's EMI feature.
• ICICI Bank provides a credit card protection plan that will assist you in protecting your cards from being misused in the event of theft or loss.
• You can effortlessly request and increase your credit card limit with ICICI Bank.
• Personal loans are now available with rapid approval through your ICICI Bank credit cards.
• Every time you swipe your ICICI Bank credit card, you can earn reward points.