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ICICI Bank Credit Cards review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ICICI Bank Credit Cards suit Indian card users who want points on spending, lounge access and welcome vouchers. The annual fee of INR 3,500 is the cost to weigh, set against points earned on international and domestic spend.

Key facts

Best for
Indian card users who spend abroad and want lounge access and welcome vouchers.
Annual fee
₹3,500 (Source, checked September 26, 2026)
Currency conversion fee
3.5% (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Rewards rate
4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend (Source, checked September 26, 2026)
Perks
Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month, 24/7 concierge service (i-Assist), Air accident insurance cover up to INR 3 crore, 1% fuel surcharge waiver on fuel transactions up to INR 4,000, BookMyShow movie offers, up to INR 500 off the second ticket (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
ICICI Bank Ltd. (Source, checked September 26, 2026)
Headquarters
India (Source, checked September 26, 2026)
Founded
1994 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre, Chat (Source, checked September 26, 2026)
Features
Rewards
Official website
icicibank.com

Debit cards

Currency conversion fee
3.5% (Source, checked September 26, 2026)
Legal entity
ICICI Bank Ltd. (Source, checked September 26, 2026)
Headquarters
India (Source, checked September 26, 2026)
Founded
1994 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre, Chat (Source, checked September 26, 2026)
Features
Rewards

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Points on international spend at the top rate of the rewards structure, with a lower rate on domestic spend
  • Welcome vouchers from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, plus complimentary lounge and golf visits
  • Air accident insurance cover, a fuel surcharge waiver and BookMyShow movie offers bundled with the card
  • Support runs on phone, help centre and chat, covering phone, chat and a help centre

Cons

  • The annual fee of INR 3,500 applies even before spending on perks such as lounge visits and vouchers
  • A currency conversion fee of 3.5% sits above the credit card median of 1.85%
  • The card sits well down the annual fee ranking at 269 of 301
ICICI Bank Credit Cards

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Scored 8.9 / 10 by DebitCue.

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Who it suits

  • Indian residents who want rewards points on everyday and overseas spending
  • People who use lounge visits, fuel spend and movie offers often enough to offset the fee
  • Card users who want insurance cover attached to the card rather than bought separately

Who should look elsewhere

  • Oney Préstamos ES, where the annual fee is €10 and no foreign spend surcharge is listed
  • Amwal, where the annual fee is SAR 0
  • National Bank of Kuwait Cards, where the annual fee is KWD 30 for a classic credit card

Fees and FX

The card is a credit card and carries an annual fee of INR 3,500, which sits far above the credit card median of €0 and near the top of the fee ranking at 269 of 301. Spending abroad costs 3.5% in currency conversion, above the credit card median of 1.85% and the rewards ranking median of 1%. Points reward spend rather than cutting fees.

The company behind it

The card is issued by ICICI Bank Ltd., headquartered in India and founded in 1994, so it is an Indian bank rather than a lender partner. ICICI Bank is covered by the Deposit Insurance and Credit Guarantee Corporation (DICGC) in India. Account holders can reach support on phone, help centre and chat, which covers phone, a help centre and chat.

How ICICI Bank Credit Cards compares

Where ICICI Bank Credit Cards is available

Available
India
Licence in India
Deposit Insurance and Credit Guarantee Corporation (DICGC), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the ICICI Bank card cost to keep?+

The annual fee is INR 3,500. That fee buys the rewards points, the welcome vouchers from Tata CLiQ and other partners, the lounge and golf visits, and the air accident insurance cover, so it pays back only if those are used.

How much does it cost to spend abroad on this card?+

Currency conversion runs at 3.5%, which is above the credit card median of 1.85%. International spend does earn the highest points rate in the rewards structure, but the conversion fee still applies on top.

What rewards does the card pay?+

Rewards are paid in points rather than cash. The rate is higher on international spend, lower on domestic spend and lower still on utility and insurance spend, and the lounge, golf and fuel waiver benefits sit alongside the points.

Is the money in the account protected?+

Deposits with ICICI Bank are covered by the Deposit Insurance and Credit Guarantee Corporation (DICGC) in India, which is the regulator recorded for the issuer. The card itself is a credit card, so balances revolve on the card rather than sitting in an account.

Who is the card from?+

The issuer is ICICI Bank Ltd., a bank headquartered in India and founded in 1994. It is a credit card, which means a borrowing limit and interest on balances carried rather than a prepaid balance.

What support is available?+

Support runs on phone, help centre and chat, which covers phone, a help centre and chat. A round the clock concierge service, called i-Assist, is also listed among the card's benefits.

Which card is cheaper to hold?+

Amwal lists an annual fee of SAR 0 and Oney Préstamos ES lists €10, both well below ICICI Bank's INR 3,500. The lower fees come without the lounge visits, welcome vouchers and insurance cover listed for this card.

Sources

  • icici.bank.in/about-us checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Licences

    “ICICI Bank was incorporated in 1994 as a part of the ICICI group”

  • icici.bank.in/personal-banking/cards/credit-card checked September 26, 2026

    Backs: Card kind

    “However, you must repay the amount you have spent on the Card within a specified period”

  • icici.bank.in/personal-banking/cards/credit-card/sapphiro... checked September 26, 2026

    Backs: Annual fee, Features, Currency conversion fee, Perks, Rewards rate, Rewards type, Support channels

    “Sapphiro Credit Card: Joining fee- INR 6,500 + GST. Annual fee- INR 3,500 + GST (Spend over INR 6 lakh and get your Annual Fee waived off for the next year)”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

ICICI Bank Credit Cards

ICICI Bank Credit Cards

Indian card users who spend abroad and want lounge access and welcome vouchers.

8.9/10Visit