ICICI Bank review
Updated October 17, 2026 · DebitCue Editorial Team
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Our verdict
ICICI Bank serves India as a bank for personal, business, corporate and NRI needs with savings accounts, loans, cards, insurance and investments. For households, doctors, families and firms seeking everyday banking plus online transfers and bill handling, it covers many needs in one place.
Key facts
- Best for
- Everyday personal, business and NRI banking in India
- Currency conversion fee
- 3.5% (Source, checked September 26, 2026)
- Legal entity
- ICICI Bank Limited (Source, checked September 26, 2026)
- Headquarters
- India (Source, checked September 26, 2026)
- Founded
- 1994 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Travel
- Official website
- icicibank.com
Credit cards
- 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 Limited (Source, checked September 26, 2026)
- Headquarters
- India (Source, checked September 26, 2026)
- Founded
- 1994 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Travel
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- Covers savings, loans, cards, insurance and investments under one bank
- Serves personal, business, corporate and NRI customers with dedicated accounts
- Includes goal based savings, recurring deposits and investment scheme choices
Cons
- Focus stays on India, which limits use for those living elsewhere
- Online processes assume digital access and document uploads for service tasks
Who it suits
- People managing household savings and daily payments in India
- Businesses and corporates needing accounts and payment tools
- NRIs handling accounts and transfers linked to India
Who should look elsewhere
- Those seeking a bank outside India
How your money is protected
ICICI Bank gives clear routes to report suspicious behaviour and unauthorised transactions linked to accounts. Customers can update identity details, profiles and passports and upload additional documents when asked. Tax compliance updates and service request tracking help keep account records correct. These controls support account oversight alongside everyday online banking and payment activity.
Accounts for people living overseas
Indians who have moved abroad can keep a banking link with home through accounts designed for non resident customers. The bank provides separate account types for returning non residents and for those who want to hold foreign currency deposits. Money held in these accounts can be used for everyday needs in India or moved in line with the applicable rules. Anyone living outside India should confirm which account type fits their residency status before opening one, because the options differ.
Paying bills and sending money
Daily payments can be handled through the bank's payment tools, including bill payments, mobile recharges and transfers through the national payment system. Standing instructions allow regular payments to run without repeated effort, which keeps routine obligations on track. A finder for bank branch codes helps customers identify the right details when they send money to another bank. Together these tools cover much of the ordinary money movement that people in India carry out each month.
Accounts for particular groups
Some account types are built for specific customers rather than the general public. These include savings accounts for families that operate as a joint Hindu family unit, accounts for senior citizens and banking solutions aimed at doctors. An account that links savings with investment in shares is also available for those who want both in one place. Customers with unusual needs can ask which structure matches their circumstances.
How ICICI Bank compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 9.2
9.1 vs 8.8
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 9.0
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.7
9.1 vs 9.2
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 9.6
ICICI Bank vs Current Build Card9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.8
9.1 vs 8.8- 9.1 vs 8.8
- 9.1 vs 8.8
9.1 vs 8.8- 9.1 vs 8.8
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.3
9.1 vs 8.2
9.1 vs 8.0
9.1 vs 8.0
Where ICICI Bank 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 products does ICICI Bank cover?+
ICICI Bank covers savings accounts, loans, cards, insurance and investment products for personal and business needs. The range also spans deposits, investment schemes and NRI account options. Corporate tools include cash management, trade solutions and merchant services.
Who can open an account with ICICI Bank?+
ICICI Bank serves personal customers, businesses, corporates and NRIs. Dedicated options exist for families, doctors and returning NRIs. Business and corporate customers use specialised accounts and payment tools.
Where does ICICI Bank operate?+
ICICI Bank operates in India with services shaped for residents and NRIs. NRI account choices include NRE and NRO accounts alongside foreign currency deposits. Overseas transfer services link Indian accounts with needs abroad.
Which account types suit people who live abroad?+
Accounts for returning non residents and foreign currency deposit options suit people with ties to India who live overseas. The bank groups these options under non resident banking. Choosing the right type depends on residency status and on how the money will be used once it is in the account.
Which bill payment services does the bank offer?+
Customers can set up bill payments and recharges through the bank's payment services. Standing instructions allow regular amounts to go out on a set pattern without manual steps each time. These options help households keep recurring payments organised across the month.
Sources
- icici.bank.in/about-us checked September 26, 2026
Backs: Founded
“ICICI Bank was incorporated in 1994 as a part of the ICICI group”
- icici.bank.in/contact-us checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels, Licences
“Corporate office ICICI Bank Towers, Bandra-Kurla Complex, Mumbai 400 051; Registered office ... Vadodara 390007, Gujarat, India”
- 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/coral-cr... checked September 26, 2026
Backs: Features, Currency conversion fee
“You can easily make online purchases across India and in select overseas stores using the ICICI Bank Coral Credit Card”
- icici.bank.in/personal-banking/cards/credit-card/sapphiro... checked September 26, 2026
Backs: Annual fee, Perks, Rewards rate, Rewards type
“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 5 source pages, checked October 17, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Free ATM withdrawals, Card type, Protection.