ICICI RuPay Credit Card

Credit cards can serve as a beneficial tool for managing personal finances responsibly. Among the popular options offered by Indian banks is ICICI Bank's RuPay credit cards.

ICICI Bank currently provides three distinct Rupay credit cards, each crafted to meet specific financial needs. Here, we will cover the significant details regarding the features, benefits, and more of ICICI Bank RuPay credit cards.

Key Highlights of the ICICI RuPay Credit Card

Presented below are the key highlights of the ICICI Bank RuPay credit card offerings:

Credit Card Name

Offers

Eligible Income

Renewal Charges

ICICI Coral RuPay Credit Card

The ICICI Bank Rupay credit card provides 10,000 reward points annually and grants 2 reward points for every ₹100 spent, excluding fuel transactions.

The income eligibility criteria are disclosed during the sourcing process.

₹Rs. 500 + GST (exempted if your expenditure exceeds ₹1,50,000 in the preceding year)

ICICI Rubyx Credit Card

Upon payment of the joining fee, the ICICI Rubyx Credit Card provides shopping and travel vouchers valued at over ₹5,000.

The qualifying monthly income for this card is ₹50,000 for salaried individuals and ₹75,000 for those who are self-employed.

₹2000 + GST

ICICI Bank HPCL Super Saver Credit Card

The ICICI Bank HPCL Super Saver Credit Card provides a 4% cashback on all fuel expenditures made at HPCL fuel pumps, along with additional enticing offers.

Applicants for the credit card should have either a salaried or self-employed occupation, and the minimum income requirement will be disclosed during the sourcing process.

₹500 + GST

Benefits and Features of ICICI RuPay Credit Card

Here are some of the significant advantages of these credit cards-

Card Name

Benefits and Features

ICICI Coral RuPay Credit Card

Railway Lounge Feature:  The cardholders can experience the new feature of one complimentary domestic railway lounge visit.

Concierge Services: The cardholders can access 24x7 concierge services for their convenience.

Reward Points Earning:

  • The cardholders can earn 2 reward points for every ₹100 spent (excluding fuel).
  •  The cardholders can earn 1 reward point for every ₹100 spent on utilities and insurance categories.

Airport Lounge Access: The cardholders can enjoy 1 complimentary access per quarter to select airport lounges in India.

Insurance Coverage: The cardholders can benefit from a personal accident insurance cover of ₹2 lakh.

Entertainment Benefits: The cardholders can avail a 25% discount (up to ₹100) on BookMyShow and INOX.

ICICI Bank Milestone Rewards Program:

  • The cardholders can earn 2,000 reward points on spending ₹2,00,000 on their card under the ICICI Bank Milestone Rewards Program.
  •  The cardholders can receive 1,000 reward points each time they cross ₹1,00,000 spent thereafter in an anniversary year.
  • The cardholders can earn a maximum of 10,000 reward points per year.

ICICI Rubyx Credit Card

Welcome Vouchers Offer:

  • The cardholders can avail of fantastic welcome vouchers worth ₹5,000+ within 45 days of paying the joining fees.
  • The cardholders can get a Tata CliQ Voucher worth ₹2000.
  • The cardholders can receive EaseMyTrip Vouchers worth ₹2000 (Two vouchers worth ₹1000 each).
  • The cardholders can enjoy an Uber Voucher worth ₹250.
  •  The cardholders can access Tata Croma Vouchers worth ₹1000 (Two vouchers worth ₹500 each).

Reward Points Benefits: The cardholders can earn up to a maximum of 15,000 ICICI Bank Reward Points every anniversary year with the ICICI Bank Rubyx Credit Card.

Golf Privileges:  The cardholders can get 2 complimentary rounds of golf per month, with one round available on spends of every ₹50,000 in the previous month.

Airport Lounge Access:

  • The cardholders can enjoy 2 complimentary access per quarter to select airport lounges in India on the VISA variant.
  •   The cardholders can receive 2 complimentary access per quarter to selected airport lounges in India, with one each on MasterCard and American Express variants.

Movie Tickets Discount:  The cardholders can avail a 25% discount up to ₹150 on the purchase of a minimum of 2 movie tickets per transaction on BookMyShow and Inox on the VISA variant. This offer can be utilized twice a month on BookMyShow and Inox each.

ICICI Bank HPCL Super Saver Credit Card

Fuel Purchase Benefits:
  • Avail a 5% cashback on fuel purchases, month on month, year on year, when the card is swiped at any HPCL fuel pump on any bank POS machine or by using the HP Pay app.
  • Additionally, receive an extra 1.5% back in reward points on all fuel purchases through the HP Pay app at HPCL outlets.

Airport Lounge Access: Take a moment to relax in luxury and enjoy gourmet meals, comfortable seating, free Wi-Fi, widescreen TVs, and beverage services by presenting your ICICI Bank HPCL Super Saver Credit Card and boarding pass.

Domestic Airport Lounge Benefit:
  •   As a valued customer, enjoy complimentary airport lounge access per quarter on your ICICI Bank HPCL Super Saver Credit Card.
  • You can avail of this facility by spending ₹5,000 in a calendar quarter on your card to enjoy it in the next calendar quarter.
Movie Entertainment Discounts:
  • Avail a 25% discount, capped at ₹100, on the purchase of a minimum of two tickets per transaction for both BookMyShow and INOX.
  • This benefit can be utilised up to two times per month on BookMyShow and INOX movies individually.

Charges and Fees Applicable to ICICI Bank RuPay Credit Card

The RuPay cards of ICICI Bank contain the following charges:

Credit Card Name

Annual Charges

Renewal Charges

ICICI Coral RuPay Credit Card

₹500 + GST

₹500 + GST

ICICI Rubyx Credit Card

₹2000 + GST

₹2000 + GST

ICICI Bank HPCL Super Saver Credit Card

₹500 + GST

₹500 + GST

Late Payment Charges for ICICI RuPay Cards

The late payment charges for ICICI RuPay credit cards are as follows:

Outstanding Balance

Amount

Up to ₹100

Nil

₹101 to ₹500

₹100

₹501 to ₹5,000

₹500

₹5,001 to ₹10,000

₹750

₹10,001 to ₹25,000

₹900

₹25,001 to ₹50,000

₹1,000

More than ₹50,000

₹1,200

Eligibility Criteria to Apply for ICICI RuPay Cards

Here are the details about eligibility criteria to apply for these cards-

ICICI Coral RuPay Credit Card

  • The eligibility requirements for this card apply to individuals who are either employed on a salary basis or are self-employed, and of age 21 and above,

ICICI Rubyx Credit Card

  • To be eligible to apply for the credit card, individuals must be Indian citizens, aged 23 years and above, with an annual income exceeding 5.5 lakhs, and employed in a salaried or employed occupation.

ICICI Bank HPCL Super Saver Credit Card

  • This card is available for both salaried and self-employed individuals, and the bank will disclose all additional information.

Documents Required to Apply for the ICICI RuPay Cards

To apply for these credit cards, you'll need the following documents:

  • Proof of income documents like salary slips, Form 16, and ITR records
  • Bank statements for the last six months
  • KYC documents such as Aadhaar Card, Voter ID, Passport, Driving Licence, etc.
  • PAN Card or Form 60 (in case the PAN Card is not available)
  • Proof of identity like Aadhaar card, PAN card, Passport, Voter's ID

How to Apply for ICICI RuPay Credit Cards

You can apply for these RuPay credit cards through the steps mentioned below:

  • Online Application

To initiate the application process for RuPay ICICI Credit Cards, follow these steps:

Step 1: Visit the dedicated card page on ICICI's official website at https://www.icicibank.com/personal-banking/cards/credit-card/rupay-credit-cards-on-upi

Step 2: Head over to the option Cards and click on the Credit Cards option.

Step 3: Select the card that you wish to apply for from the numerous options.

Step 4: Fill out the online application form provided on the website.

Step 5: Submit the required documents, including identity/address proof for KYC and proof of income, such as salary slips or ITR acknowledgement.

  • Offline Application

If you prefer an offline application, you can visit your nearest ICICI Bank branch. Here's how:

Step 1: Head to the nearest ICICI Bank branch.

Step 2: Share your request with the bank executive and complete the offline application form.

Step 3: Ensure you bring all the necessary documents with you and submit them with your application.

Similar Credit Cards

Other similar cards are:

Credit Card Name

Characteristics

HDFC Bank Millennia Credit Card

  • The HDFC Bank Millennia credit card stands out as a highly desired card due to its enticing offers and benefits. For the initial year, the membership fee for this HDFC card is 1,000 plus applicable taxes, and the same amount applies to the renewal membership fee.
  • Achieving a spending milestone of 1 lakh within a year allows cardholders to enjoy a waiver on the renewal fee for the subsequent renewal year.

SBI SimplyCLICK Credit Card

  • Cardholders can enjoy savings with every expenditure using the SimplyCLICK SBI Card. The initial or joining fee for the first year is 499.
  • The annual fee, consistent at 499 from the second year onward, can be waived by achieving a minimum annual spend of 1 lakh.
  • The card carries an interest rate of up to 3.50% per month or 42% per annum.

Axis Bank Neo Credit Card

  • Upon application, a joining fee of 250 is applicable, serving as the first-year fee.
  • The joining fee is waived if a minimum spend of 2,500 is accomplished within 45 days of card approval.
  • After the first year, the annual fee is 250.
  • An interest rate of 46.78% per annum is charged for any overdue amount on this Axis card.
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