Top ICICI Credit Cards For September 2022 – ICICI Platinum Chip Credit Card, MakeMyTrip ICICI Bank Platinum Credit Card, ICICI Coral Credit Card, and more.
Best ICICI Credit Cards For September 2022
ICICI Bank is amongst the leading providers of credit cards in India. It offers credit cards across all categories including shopping, travel, entertainment, rewards, and more. With various options provided by the bank, how do you choose the best credit card? To help you, we at CreditMantri have compiled a list of the best ICICI credit cards for September 2022 with their pricing, features, rewards, what each credit card is best suited for, and more. You can read through and choose the credit card best suited for your lifestyle and spending habits.
ICICI Coral Credit Card
The ICICI coral credit card is a point-based credit card, which is best suited for shopping. Many times, ICICI Bank offers this credit card as a pre approved card to its loyal customers without any joining fee or annual fee. Although the card offers a lot of reward points, the payback percentage is quite low.
The features of the card:
-
- Annual Fee: INR 500 + GST
- Joining Fee: INR 500
- Welcome benefits: Nil
- Minimum income required: Rs. 20,000 per month for the salaried and Rs. 50,000 per month for the self-employed.
- Single domestic railway lounge visits quarterly, which is a unique feature provided by cards in this scope.
- You will get special online offers from time to time on websites such as Amazon, Tata Cliq, etc.
This card offers the following reward points:
- 2 PAYBACK points on spending INR 100
- 1 PAYBACK point on spends of INR 100 on utilities and insurance categories.
- There are no PAYBACK points on fuel.
- It offers the ICICI Bank Milestone Rewards program. The features of the program are as follows:
- 2000 PAYBACK points on spends of INR 2 Lakhs
- 1000 PAYBACK points on every additional spend of INR 1 Lakh after spending INR 2 Lakhs in an anniversary year.
- There is an upper limit of 10,000 PAYBACK points. Once you have gained 10,000 reward points, you will not be granted any further reward points for that year.
ICICI Platinum Chip Credit Card
The ICICI Platinum Chip Credit Card is a basic credit card based on points. It offers multiple periodic offers collaborating with its partners, thus making it best suited for those interested in shopping discounts. The percentage of PAYBACK on its reward points is low. This card can be considered useful for those who already have a credit card and are looking to benefit from interesting offers.
The features of the card:
- Annual Fee: Nil
- Joining Fee: Nil
- Welcome Benefits: Nil
- Security chip to safeguard the card from frauds.
- Waiver of fuel surcharge is available only at HPCL pumps.
- PAYBACK points available for insurance payment also
- You should have a valid fixed deposit with ICICI Bank. The deposited amount should be at least INR 20,000 for a time duration of 180 days or more.
The reward points offered by the card are as follows:
- 2 PAYBACK points per INR 100 spent for all retail purchases except fuel.
- 1 PAYBACK point on spends of INR 100 in the utilities and insurance categories
- Multiple special online offers for users and discounts available on various brands frequently.
- A waiver of 1% fuel surcharge on fuel transactions of maximum INR 4,000 at HPCL pumps when your credit card is used on ICICI merchant services’ swipe machines.
- Discount of 15% for dining at 2,500 partner restaurants under the ICICI Culinary Treat Programme.
Amazon Pay ICICI Credit Card
This card, which was launched in collaboration with Amazon in 2018, is a lifetime free credit card that does not garner any annual fees. It is used to help people shop with Amazon and subscribe to Amazon prime – a flagship subscription product of Amazon. It is a product that can be used easily.
The features of the card:
- Annual fees: Nil
- Joining fees: Nil
- Welcome benefits: Nil
- There is a waiver on surcharge waiver on purchasing fuel
- You can earn unlimited reward points
- No limits or expiry dates for the Amazon Pay balance that you gain or spend.
- You need to have an independent Amazon Prime Membership to avail a complete 5% discount on the card
The cashback offered by the card is as follows:
- 5% discount on card if you have Amazon Prime Membership
- If customers don’t have an Amazon Prime Membership, there is 3% cashback in the form of Amazon Pay Balance.
- You will get Amazon Pay Balance points worth 2% of the buy on any purchase from Amazon Pay’s merchant partners. Some Amazon Pay merchant partners include BookMyShow, Haptik, Redbus, Café Coffee Day, Byju’s, Amar Chitra Katha, Chumbak, Urban Ladder and Lavie (bags and shoes).
- There is a 1% Amazon Pay Balance on every purchase.
ICICI Bank HPCL Super Saver Credit Card
This is a fuel credit card suitable for beginners. With this card, you will get high rewards on fuel with 5% cashback on HPCL fuel pumps. Besides fuel, the card offers benefits on spending across utility bills and departmental stores.
Features of the card:
-
- Annual fee: Rs. 500 + GST
- Rewards points: 5% cash back on buying fuel from HPCL petrol pumps. An additional 1.5% cash back (in the form of cash points) on paying through HP Pay app.
- Welcome benefits: Cashback of INR 100 on using HP Pay app and 2000 reward points on activation.
The cashback offered by the card is as follows:
- 5% cash back on buying fuel from HPCL petrol pumps.
- Additional 1.5% cash back (in the form of cash points)on paying through HP Pay app.
- No upper limit restrictions on cashback received from fuel buys.
- 5% cash back as cash points on grocery, departmental stores, and payment of utility bills.
- Two reward points on every INR 100 spent for any kind of retail purchase.
- No upper limit restrictions on reward points for non-fuel purchase.
MakeMyTrip ICICI Bank Platinum Credit Card
This is a cobranded credit card launched in partnership with MakeMyTrip, a well-known travel company. So, the key area of the functioning of this card is tours and travels.
Features of this card:
- Joining Fee: Rs. 500
- Annual Fee: Nil
- Welcome Benefit: Rs. 500 worth My Cash; MMT holiday voucher worth for Rs. 3,000
- Cashback on the spends, which is credited to the users, ‘My Cash’, which is valid for 90 days, and can only be used in making spends through this credit card.
The Cashback offered by this card are:
- For domestic spends outside MakeMyTrip: INR 1 per Rs. 200 spent through the card
- For international spends outside MakeMyTrip: INR 1.25 per Rs. 200 spent
- Spends on Flight bookings on MayMyTrip: INR 2 per Rs. 200
- Spends on hotel or holiday bookings on MakeMyTrip: INR 3 per Rs. 200
- Dining discounts from time to time, which can be verified on the website under the name of culinary treats.
- No fuel surcharge on fuel transactions up to INR 4,000 per month
Conclusion
The cards above are some of the top credit cards offered by ICICI Bank. You can apply for some of these credit cards through the CreditMantri website.
