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ICICI Bank Credit Cards

Second-largest private bank; strongest digital application flow and the highest-rated super-premium card (Emeralde Private Metal).

Updated May 2026● Methodology disclosed
What ICICI does well

Emeralde Private Metal is currently the most-rewarded super-premium card in India; Amazon Pay ICICI is the most-approved LTF for first-time applicants.

ICICI Bank's portfolio is anchored by two icons: the Amazon Pay ICICI (the easiest-approval LTF card for ₹25K+ income) and the Emeralde Private Metal (the highest-rewarding super-premium card in the country, ~6 reward points / ₹100, redeemable 1:1 against air-mile partners). Between these two sit the Sapphiro, Coral, Platinum, and Manchester United co-brand. ICICI iMobile + the website provide industry-leading digital application flows.

All ICICI credit cards

Every ICICI Bank card we track, ordered by editorial rating. Each entry links to the full review with reward-rate breakdown, fees, and our verdict.

ICICI Bank cards temporarily unavailable. Browse our full credit card catalog.

ICICI support

Customer care numbers

24×7 credit card
1860 120 7777 / 1800 1080 (toll-free)
Lost / stolen card
1860 120 7777 (option 2)
Fraud reporting
fraudreporting@icicibank.com / 1860 120 7777
Email
customer.care@icicibank.com
NRI helpline
+91 22 6688 8888

Numbers and links sourced directly from ICICI Bank's public help pages. ICICI may update contact options without notice — verify on the bank's website before any financially sensitive action.

Frequently asked questions

What's the minimum salary for an ICICI credit card?
Amazon Pay ICICI accepts ₹25,000/month — the lowest-barrier ICICI option. Coral and Platinum Chip need ₹30-35K; Rubyx and Sapphiro need ₹50K-₹1L; Emeralde Private Metal needs ₹3L+/month or invite via ICICI Wealth Banking.
How long does ICICI credit card approval take?
ICICI's digital flow is among the fastest in India. For pre-approved existing customers, instant in-principle approval + physical card in 5-7 days. New customers: 7-14 working days with proper documentation.
Can I use my ICICI credit card for international transactions?
Yes, with 3.5% forex markup on most cards. Emeralde Private Metal Visa Infinite has 2% forex markup. None of ICICI's cards are zero-forex; for that use Federal Scapia, IDFC Wow, or Niyo. Tokenisation for international merchants follows the same RBI rules as domestic.
RBI regulatory notice

Regulated by Reserve Bank of India.

Credit cards in India are issued by banks and NBFCs licensed by the Reserve Bank of India. Card issuance, credit limit, interest rate (APR), fees, and reward structures are at the sole discretion of the issuer subject to KYC, credit profile, and internal policy. Rates and benefits shown on this page are issuer-published and may change without notice — verify on the issuer's official website before applying.

Risk note: Carrying revolving credit-card balances at typical APRs of 36–48% per annum is one of the most expensive forms of debt in India. Always pay the total amount due, not just the minimum.

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Methodology disclosed
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