A complete guide on ICICI Bank credit card application process – offline and online

ICICI Bank is one of India's biggest private commercial banks. It was established in 1994 and offers a diverse range of banking products and financial services. ICICI Bank offers tailor-made products to meet the needs of each consumer, as evidenced by their credit card offers.

ICICI Bank offers multiple types of credit cards that are specifically designed for shopping, entertainment, travel, lifestyle, fuel, and more. The eligibility criteria are also pretty straightforward and eligible applicants can easily get an ICICI Credit Card within a few business days. Applicants can apply for ICICI Bank credit cards both online and offline. 

Before we learn of the application process, let us see the major features of ICICI Bank credit cards – 

1. Sign-up bonuses: Aside from the advantages you receive for using your credit card, credit cards offer numerous other applications.

2. Reward points: Reward points are awarded for any transaction made with your ICICI Bank credit card. These reward points can be accumulated in order to acquire a fantastic present, or they can be redeemed for cashback. In either case, the client wins.

3. Frequent flyer miles: This is handy for folks who travel by plane on a regular basis. They will receive "miles" as a reward for using your ICICI Bank credit card to purchase an airline ticket. With enough points, you can obtain a discount on future tickets or perhaps get them for free. In addition, some credit cards provide access to airport lounges, which might be a lifesaver if your flight is delayed.

4. Cashback: Some ICICI Bank credit cards offer cashback on specific purchases, such as 5% cashback for online shopping and 5% cashback for using your credit card to pay utility bills. This is a fantastic method to save money on purchases.

5. Keeping sellers in check: Credit cards aid in the control of vendors. Customers have the opportunity to cancel payment or, if they have already paid, to return payment if they believe the product they purchased is subpar. As a result, the vendors who sell the products will be more honest and supply higher-quality goods.

6. Insurance: Many credit cards have insurance, such as travel insurance, that can be purchased. Many cardholders are unaware that they are protected and do not take use of these services. It is best to study the terms and conditions before applying for a credit card and become familiar with all of the features available.

7. Universal acceptance: Unlike debit cards, credit cards are accepted everywhere. If you travel to a foreign nation, you can spend money using your credit card instead of looking for a currency exchange facility or ATM.

8. Instant Lending: Your credit limit is a loan source that may be used immediately without any approvals. This can be quite valuable in an emergency. If you are unable to pay your credit card account in full right away, you can convert it to an EMI.

9. Credit score improvement: Paying your credit card bill on time will help you boost your credit score. Because varied credit or credit mix is part of your credit score, a credit card will help you boost your score in that area as well.

How To Apply For A New ICICI Bank Credit Card Online?

Enter your information on the credit card application page of the bank's website, including your date of birth, city, work status, net monthly income, and firm name, among other things. Based on the information you have supplied; you may next select a credit card from a list of ICICI credit cards that you are eligible for. Find an appropriate card that best meets your requirements and then upload the relevant documents for ID, address, and income proof.

How To Apply For An ICICI Bank Credit Card Offline? 

Instead, you can go to your nearest ICICI bank and fill out an application form. Submit the application form and the required documentation. You could also request that a bank representative contact you through phone, SMS, or email to assist you with the application process. Typically, it takes up to 21 working days for your credit card to be delivered to you. As you can see, applying for an ICICI credit card is simple and straightforward.

What Are The Eligibility Criteria To Apply For An ICICI Bank Credit Card? 

Age

Minimum 21 years
Maximum 65 years

Nationality

Indian

Employment Type

Salaried or Self-employed 

Employment status

Employed/In-business for at least 1 yr, and at least 6 months with current employer/business

Minimum Income

This varies from card to card, but minimum salary required is Rs.3 lakhs per annum

Credit Score

Preferred 750 and above

What Are The Documents I Need To Submit To Apply For An ICICI Bank Credit Card? 

  • 2 passport size color photos
  • AID Proof (any one) - passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Address Proof (any one)- Passport, driver’s license, voter’s ID, Aadhaar card, Electricity bill, Telephone bill, Post-paid mobile phone bill, Bank account/Post Office savings bank account statement
  • Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16

FAQ of  How to Apply For ICICI Bank Credit Card Online Or Offline

1:How can one apply for an ICICI Bank credit card? 

You can apply for an ICICI Bank credit card either online or offline. 

2:Where should I apply for an ICICI Bank credit card online? 

Please don’t fall for scams and apply for ICICI Bank credit card only on their official website. 

3:Can I apply for an ICICI Bank credit card at any branch? 

Yes, you can apply for a credit card at any of the ICICI Bank branches nearby. 

4:Are there any joining fees to apply for an ICICI Bank credit card? 

There are a number of credit cards offered by ICICI Bank and each one comes with different benefits and features. The joining fee, annual fee and other charges will be based on the credit card you choose. 

5:How long will the credit card application process take? 

If you have submitted all the relevant documents on time, the credit card application process shouldn’t take more than 5-7 business days.