ICICI Bank credit cards: fees, rewards and eligibility compared

Truely Money lists 18 ICICI Bank credit cards, including Adani One Signature Credit Card, Emeralde Credit Card, MakeMyTrip Credit Card, Chennai Super Kings Credit Card, Coral Credit Card, Emeralde Private Metal Credit Card and 12 more.

Cards from the same bank can look alike but differ in what they reward. Compare each ICICI Bank card on the annual fee and whether it is waived at a spending level, the reward rate on the categories you actually spend in, lounge access, and the income and credit score the issuer expects.

The cards below are listed with their own fees and reward rules, and you can add several to Compare to see them side by side. Truely Money does not take applications: when you choose a card, you apply on the bank's own website. For a personal ranking based on your monthly spend, use the Card Finder under Tools.

ICICI Bank credit cards and their terms

Adani One Signature Credit Card (ICICI Bank): joining fee ₹5,000 · annual fee ₹5,000, waived on ₹6,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 16 domestic, 2 international · forex markup 3.5% · income guide ₹9,00,000 a year · credit score 750+. A premium travel and lifestyle credit card offering exceptional airport privileges and highly rewarding value across the Adani ecosystem. Perks: Welcome vouchers worth ₹9,000 including a flight and hotel voucher; Earn 7% Adani Reward Points on Adani One ecosystem spends; 16 complimentary domestic airport lounge visits per year (spend-based).
Emeralde Credit Card (ICICI Bank): joining fee ₹12,000 · annual fee ₹12,000, waived on ₹10,00,000 yearly spend · base reward 1% of spend · forex markup 2% · income guide ₹18,00,000 a year · credit score 750+. A premium lifestyle credit card featuring unlimited lounge access, lucrative movie discounts, and golf privileges, albeit with a basic reward rate. Perks: Unlimited complimentary domestic and international airport lounge access; Buy 1 Get 1 free on BookMyShow (up to ₹750 off on 2nd ticket), up to 4 times a month; Up to 4 complimentary golf rounds or lessons per month (spend-based).
MakeMyTrip Credit Card (ICICI Bank): joining fee ₹999 · annual fee ₹999, waived on ₹3,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 8 domestic, 1 international · forex markup 0.99% · income guide ₹2,40,000 a year · credit score 700+. A travel-focused co-branded card offering excellent value on MakeMyTrip bookings, UPI payment rewards, and a low forex markup. Perks: Complimentary MMTBLACK Gold membership and holiday vouchers worth ₹7,000 as welcome benefit; ₹1,000 MakeMyTrip voucher on payment of joining and annual fees; 2 complimentary domestic airport lounge visits per quarter (spend-based).
Chennai Super Kings Credit Card (ICICI Bank): joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. A must-have credit card for Chennai Super Kings fans offering exclusive team merchandise, match tickets, and match-day rewards. Perks: Welcome and renewal benefit of 2,000 Reward Points; Earn 10 Reward Points on retail spends on CSK match days; 1 complimentary domestic airport lounge access per quarter (spend-based).
Coral Credit Card (ICICI Bank): joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. An entry-level rewards credit card offering milestone bonuses, movie discounts, and lounge access, available on the RuPay network for UPI. Perks: 1 complimentary domestic airport lounge visit per quarter (spend-based); 1 complimentary railway lounge access per quarter; 25% discount (up to ₹100) on min. 2 movie tickets on BookMyShow/INOX.
Emeralde Private Metal Credit Card (ICICI Bank): joining fee ₹12,499 · annual fee ₹12,499, waived on ₹10,00,000 yearly spend · base reward 3% of spend · forex markup 2% · income guide ₹18,00,000 a year · credit score 750+. An invite-only, ultra-premium metal credit card offering a flat 3% reward rate, 1:1 point redemption, unlimited lounge access, and unlimited golf. Perks: Welcome benefit of 12,500 bonus reward points (worth ₹12,500) and Taj Epicure membership; Unlimited complimentary domestic and international airport lounge access (includes add-on cards); Unlimited complimentary golf rounds or lessons every month.
Emirates Skywards ICICI Bank Sapphiro Credit Card: joining fee ₹5,000 · annual fee ₹5,000 · base reward 0.75% of spend · lounge visits per year: 8 domestic, 2 international · forex markup 3.5% · income guide ₹9,00,000 a year. A premium co-branded travel card for Emirates loyalists offering Skywards Miles on everyday spends and a complimentary Silver Tier membership. Perks: Welcome benefit of 5,000 bonus Skywards Miles; Complimentary Emirates Skywards Silver Tier membership; 2 complimentary domestic airport lounge visits per quarter (spend-based).
Parakram Credit Card (ICICI Bank): no joining fee · no annual fee · base reward 0.25% of spend · lounge visits per year: 4 domestic · forex markup 3.5%. An exclusive lifetime-free credit card for Indian Defence and Paramilitary personnel offering accelerated rewards at CSDs and departmental stores. Perks: Lifetime free credit card with zero joining and annual fees; 5X Reward Points on groceries, department stores, and Canteen Stores Department (CSD) purchases; 1 complimentary domestic airport lounge visit per quarter.
Platinum Chip Credit Card (ICICI Bank): no joining fee · no annual fee · base reward 0.5% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. A lifetime-free, entry-level credit card perfect for beginners looking to build credit and earn basic rewards. Perks: Lifetime free credit card with no joining or annual fees; 1% fuel surcharge waiver at HPCL petrol pumps (on transactions between ₹400 and ₹4,000); Dining discounts under the ICICI Bank Culinary Treats Program.
Rubyx Credit Card (ICICI Bank): joining fee ₹3,000 · annual fee ₹2,000, waived on ₹3,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹9,00,000 a year · credit score 750+. A premium lifestyle and travel credit card offering welcome vouchers, milestone rewards, and movie discounts. Perks: Welcome vouchers worth ₹5,000+ from Tata CLiQ, Croma, and EaseMyTrip; 2 complimentary domestic airport lounge visits per quarter (spend-based); 2 complimentary railway lounge visits per quarter.
Sapphiro Credit Card (ICICI Bank): joining fee ₹6,500 · annual fee ₹3,500, waived on ₹6,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 16 domestic, 2 international · forex markup 3.5% · income guide ₹9,00,000 a year · credit score 750+. A premium lifestyle card offering luxury travel benefits, golf privileges, and comprehensive movie discounts. Perks: Welcome vouchers worth ₹10,000+ from Tata CLiQ, EaseMyTrip, Croma, and more; 4 complimentary domestic airport lounge visits per quarter (spend-based); 2 complimentary international airport lounge visits and 2 spa sessions per year.
Times Black Credit Card (ICICI Bank): joining fee ₹20,000 · annual fee ₹20,000, waived on ₹25,00,000 yearly spend · base reward 2% of spend · forex markup 1.49% · income guide ₹24,00,000 a year. An ultra-premium, invite-only lifestyle credit card offering unlimited lounge access, exceptional milestone rewards, and a flat 2% domestic reward rate. Perks: Unlimited complimentary domestic and international airport lounge access; Welcome benefits worth over ₹24,000 (EaseMyTrip, Travel Visa, Zomato Gold, Quorum Club); Low forex markup of 1.49% on international transactions.
ICICI Bank HPCL Coral Credit Card: joining fee ₹199 · annual fee ₹199, waived on ₹50,000 yearly spend · base reward 0.5% of spend · forex markup 3.5% · income guide ₹2,40,000 a year. An entry-level co-branded fuel card offering cashback and surcharge waivers at HPCL pumps, plus movie discounts, for a nominal ₹199 annual fee. Perks: Up to 3.5% savings on fuel at HPCL pumps (2.5% cashback + 1% surcharge waiver); 25% discount on BookMyShow movie tickets (up to ₹100, twice a month); Exclusive dining discounts through ICICI Bank Culinary Treats Programme.
HPCL Super Saver Credit Card (ICICI Bank): joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. An entry-level fuel and everyday spend card offering combined benefits on HPCL pumps, groceries, and utility bills. Perks: 4% cashback on HPCL fuel spends; 5% reward points on groceries and utilities; 1% fuel surcharge waiver at HPCL pumps.
ICICI Bank Expressions Credit Card: joining fee ₹499 · annual fee ₹499, waived on ₹1,50,000 yearly spend · base reward 0.75% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹2,40,000 a year. An entry-level lifestyle credit card that lets you customize the card design while offering basic rewards and conditional lounge access. Perks: Customise the card face with your own design or an image from a gallery; 1 complimentary domestic airport lounge visit per quarter (conditional on spend); 25% discount (up to ₹100) on BookMyShow movie tickets, twice a month.
ICICI Bank Ferrari Signature Credit Card: joining fee ₹3,999 · annual fee ₹999, waived on ₹2,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. A super-premium ICICI Bank Visa card co-branded with Ferrari, combining lifestyle and dining privileges with Ferrari-exclusive merchandise and event access. Perks: Exclusive Scuderia Ferrari watch as welcome gift; Up to 2 complimentary movie tickets per month (Buy-1-Get-1 on BookMyShow); 2 complimentary domestic lounge visits per quarter.
Instant Platinum Credit Card (ICICI Bank): no joining fee · no annual fee · base reward 0.5% of spend · forex markup 3.5%. A zero-fee, guaranteed-approval secured card ideal for building a credit history from scratch. Perks: No income proof or CIBIL score required; 15% discount on dining via ICICI Culinary Treats program; ₹100 off on movie tickets through BookMyShow twice per month.
ICICI Bank Manchester United Credit Card: joining fee ₹499 · annual fee ₹499, waived on ₹1,25,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5%. A niche co-branded card for Manchester United fans featuring exclusive branded merchandise and match-day bonus points. Perks: Complimentary Manchester United branded football as a welcome gift; Chance to win signed Manchester United merchandise and match tickets for top spenders; 1 complimentary domestic airport lounge visit per quarter (subject to spend).

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ICICI Bank credit cards: fees, rewards and eligibility compared

ICICI Bank credit cards and their terms

Adani One Signature Credit Card (ICICI Bank): joining fee ₹5,000 · annual fee ₹5,000, waived on ₹6,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 16 domestic, 2 international · forex markup 3.5% · income guide ₹9,00,000 a year · credit score 750+. A premium travel and lifestyle credit card offering exceptional airport privileges and highly rewarding value across the Adani ecosystem. Perks: Welcome vouchers worth ₹9,000 including a flight and hotel voucher; Earn 7% Adani Reward Points on Adani One ecosystem spends; 16 complimentary domestic airport lounge visits per year (spend-based).
Emeralde Credit Card (ICICI Bank): joining fee ₹12,000 · annual fee ₹12,000, waived on ₹10,00,000 yearly spend · base reward 1% of spend · forex markup 2% · income guide ₹18,00,000 a year · credit score 750+. A premium lifestyle credit card featuring unlimited lounge access, lucrative movie discounts, and golf privileges, albeit with a basic reward rate. Perks: Unlimited complimentary domestic and international airport lounge access; Buy 1 Get 1 free on BookMyShow (up to ₹750 off on 2nd ticket), up to 4 times a month; Up to 4 complimentary golf rounds or lessons per month (spend-based).
MakeMyTrip Credit Card (ICICI Bank): joining fee ₹999 · annual fee ₹999, waived on ₹3,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 8 domestic, 1 international · forex markup 0.99% · income guide ₹2,40,000 a year · credit score 700+. A travel-focused co-branded card offering excellent value on MakeMyTrip bookings, UPI payment rewards, and a low forex markup. Perks: Complimentary MMTBLACK Gold membership and holiday vouchers worth ₹7,000 as welcome benefit; ₹1,000 MakeMyTrip voucher on payment of joining and annual fees; 2 complimentary domestic airport lounge visits per quarter (spend-based).
Chennai Super Kings Credit Card (ICICI Bank): joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. A must-have credit card for Chennai Super Kings fans offering exclusive team merchandise, match tickets, and match-day rewards. Perks: Welcome and renewal benefit of 2,000 Reward Points; Earn 10 Reward Points on retail spends on CSK match days; 1 complimentary domestic airport lounge access per quarter (spend-based).
Coral Credit Card (ICICI Bank): joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. An entry-level rewards credit card offering milestone bonuses, movie discounts, and lounge access, available on the RuPay network for UPI. Perks: 1 complimentary domestic airport lounge visit per quarter (spend-based); 1 complimentary railway lounge access per quarter; 25% discount (up to ₹100) on min. 2 movie tickets on BookMyShow/INOX.
Emeralde Private Metal Credit Card (ICICI Bank): joining fee ₹12,499 · annual fee ₹12,499, waived on ₹10,00,000 yearly spend · base reward 3% of spend · forex markup 2% · income guide ₹18,00,000 a year · credit score 750+. An invite-only, ultra-premium metal credit card offering a flat 3% reward rate, 1:1 point redemption, unlimited lounge access, and unlimited golf. Perks: Welcome benefit of 12,500 bonus reward points (worth ₹12,500) and Taj Epicure membership; Unlimited complimentary domestic and international airport lounge access (includes add-on cards); Unlimited complimentary golf rounds or lessons every month.
Emirates Skywards ICICI Bank Sapphiro Credit Card: joining fee ₹5,000 · annual fee ₹5,000 · base reward 0.75% of spend · lounge visits per year: 8 domestic, 2 international · forex markup 3.5% · income guide ₹9,00,000 a year. A premium co-branded travel card for Emirates loyalists offering Skywards Miles on everyday spends and a complimentary Silver Tier membership. Perks: Welcome benefit of 5,000 bonus Skywards Miles; Complimentary Emirates Skywards Silver Tier membership; 2 complimentary domestic airport lounge visits per quarter (spend-based).
Parakram Credit Card (ICICI Bank): no joining fee · no annual fee · base reward 0.25% of spend · lounge visits per year: 4 domestic · forex markup 3.5%. An exclusive lifetime-free credit card for Indian Defence and Paramilitary personnel offering accelerated rewards at CSDs and departmental stores. Perks: Lifetime free credit card with zero joining and annual fees; 5X Reward Points on groceries, department stores, and Canteen Stores Department (CSD) purchases; 1 complimentary domestic airport lounge visit per quarter.
Platinum Chip Credit Card (ICICI Bank): no joining fee · no annual fee · base reward 0.5% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. A lifetime-free, entry-level credit card perfect for beginners looking to build credit and earn basic rewards. Perks: Lifetime free credit card with no joining or annual fees; 1% fuel surcharge waiver at HPCL petrol pumps (on transactions between ₹400 and ₹4,000); Dining discounts under the ICICI Bank Culinary Treats Program.
Rubyx Credit Card (ICICI Bank): joining fee ₹3,000 · annual fee ₹2,000, waived on ₹3,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹9,00,000 a year · credit score 750+. A premium lifestyle and travel credit card offering welcome vouchers, milestone rewards, and movie discounts. Perks: Welcome vouchers worth ₹5,000+ from Tata CLiQ, Croma, and EaseMyTrip; 2 complimentary domestic airport lounge visits per quarter (spend-based); 2 complimentary railway lounge visits per quarter.
Sapphiro Credit Card (ICICI Bank): joining fee ₹6,500 · annual fee ₹3,500, waived on ₹6,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 16 domestic, 2 international · forex markup 3.5% · income guide ₹9,00,000 a year · credit score 750+. A premium lifestyle card offering luxury travel benefits, golf privileges, and comprehensive movie discounts. Perks: Welcome vouchers worth ₹10,000+ from Tata CLiQ, EaseMyTrip, Croma, and more; 4 complimentary domestic airport lounge visits per quarter (spend-based); 2 complimentary international airport lounge visits and 2 spa sessions per year.
Times Black Credit Card (ICICI Bank): joining fee ₹20,000 · annual fee ₹20,000, waived on ₹25,00,000 yearly spend · base reward 2% of spend · forex markup 1.49% · income guide ₹24,00,000 a year. An ultra-premium, invite-only lifestyle credit card offering unlimited lounge access, exceptional milestone rewards, and a flat 2% domestic reward rate. Perks: Unlimited complimentary domestic and international airport lounge access; Welcome benefits worth over ₹24,000 (EaseMyTrip, Travel Visa, Zomato Gold, Quorum Club); Low forex markup of 1.49% on international transactions.
ICICI Bank HPCL Coral Credit Card: joining fee ₹199 · annual fee ₹199, waived on ₹50,000 yearly spend · base reward 0.5% of spend · forex markup 3.5% · income guide ₹2,40,000 a year. An entry-level co-branded fuel card offering cashback and surcharge waivers at HPCL pumps, plus movie discounts, for a nominal ₹199 annual fee. Perks: Up to 3.5% savings on fuel at HPCL pumps (2.5% cashback + 1% surcharge waiver); 25% discount on BookMyShow movie tickets (up to ₹100, twice a month); Exclusive dining discounts through ICICI Bank Culinary Treats Programme.
HPCL Super Saver Credit Card (ICICI Bank): joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. An entry-level fuel and everyday spend card offering combined benefits on HPCL pumps, groceries, and utility bills. Perks: 4% cashback on HPCL fuel spends; 5% reward points on groceries and utilities; 1% fuel surcharge waiver at HPCL pumps.
ICICI Bank Expressions Credit Card: joining fee ₹499 · annual fee ₹499, waived on ₹1,50,000 yearly spend · base reward 0.75% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹2,40,000 a year. An entry-level lifestyle credit card that lets you customize the card design while offering basic rewards and conditional lounge access. Perks: Customise the card face with your own design or an image from a gallery; 1 complimentary domestic airport lounge visit per quarter (conditional on spend); 25% discount (up to ₹100) on BookMyShow movie tickets, twice a month.
ICICI Bank Ferrari Signature Credit Card: joining fee ₹3,999 · annual fee ₹999, waived on ₹2,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. A super-premium ICICI Bank Visa card co-branded with Ferrari, combining lifestyle and dining privileges with Ferrari-exclusive merchandise and event access. Perks: Exclusive Scuderia Ferrari watch as welcome gift; Up to 2 complimentary movie tickets per month (Buy-1-Get-1 on BookMyShow); 2 complimentary domestic lounge visits per quarter.
Instant Platinum Credit Card (ICICI Bank): no joining fee · no annual fee · base reward 0.5% of spend · forex markup 3.5%. A zero-fee, guaranteed-approval secured card ideal for building a credit history from scratch. Perks: No income proof or CIBIL score required; 15% discount on dining via ICICI Culinary Treats program; ₹100 off on movie tickets through BookMyShow twice per month.
ICICI Bank Manchester United Credit Card: joining fee ₹499 · annual fee ₹499, waived on ₹1,25,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5%. A niche co-branded card for Manchester United fans featuring exclusive branded merchandise and match-day bonus points. Perks: Complimentary Manchester United branded football as a welcome gift; Chance to win signed Manchester United merchandise and match tickets for top spenders; 1 complimentary domestic airport lounge visit per quarter (subject to spend).

Truely Money is an independent sole proprietorship registered under Udyam (MSME), Udyam Registration No. UDYAM-MP-16-0077048. Questions, corrections or feedback: support@truelymoney.com.