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In 1998, the ICICI Bank for the first time proposed to bring credit cards to the large, underserved population in both semi-urban and rural areas of India. In 2001, the ICICI Bank along with BPL Mobile entered into a tie-up to launch a co-branded credit card and thus the ICICI Bank-BPL Mobile Credit Card was launched. ICICI Bank launched Drivesmart Credit Card for transporters in 2002. In 2003, the ICICI Bank acquired the credit card division of Tata Finance. During 2004, the ICICI Bank’s credit cards cross two million mark. During the same year, the bank along with Mohun Bagan launch co-branded credit card. In 2005, the bank overtakes Citibank in terms of credit card business with the sale of 3 million credit cards over Citibank’s 2.5 million credit card sales.

List of ICICI Credit Cards

About ICICI Bank

The ICICI Bank stands for Industrial Credit and Investment Corporation of India Bank, is India’s biggest private sector bank.

It is a multinational banking and financial services company. It is headquartered in Mumbai, Maharashtra State. Its registered office is located in Vadodara.

ICICI was constituted during the year 1955 at the initiation of the World Bank, the Government of India and representatives of the Indian industry with a principle objective to create a development of a financial institution for providing medium and long-term project funding to Indian business.

The ICICI Bank was initially promoted in the year 1994 by ICICI Limited. The ICICI Bank was the wholly-owned subsidiary of ICICI Limited, an Indian financial institution.

ICICI Bank has total consolidated assets of Rs 9,860.43 billion as of March 31, 2017. It has a network of 4,850 branches and 14,164 ATM’s in India. It has its presence in 18 countries other than India.

ICICI Limited’s shareholding in ICICI Bank was brought down to 46% through a public offering of shares in India during 1998 and an equity offering in the form of American Depositary Receipts (ADRs) listed on the New York Stock Exchange (NYSE) during 2000.

During 1999, ICICI Bank became the initial Indian Company and the first bank from a non-Japan Asia to be listed on the New York Stock Exchange (NYSE). In the same year, it changed its name from ICICI Banking Corporation Limited to ICICI Bank Limited on September 10, 1999.

In 2001, ICICI Bank acquired Bank of Madura Limited in an all-stock amalgamation deal. It sold an additional stake to institutional investors through secondary market sales in 2001-2002.

Features of ICICI Credit Card

The following are the features of ICICI Credit Card

Auto Debit Facility – ICICI Credit card provides Auto Debit Facility for credit cardholders who have an account with ICICI Bank. You will have an added convenience of paying bills either the minimum amount due or the total amount due directly to credit card account through your bank account.

Cash Advance – ICICI Credit Card provides cash withdrawal facility 24 hours a day from any VISA or MasterCard participating member bank ATM using card holder's APIN, with this facility one will never be broke. A fee of 2.5% will be levied for every transaction up to a minimum of Rs 300. In addition to the transaction fee, an interest will also be charged from the date of transaction till the date of repayment.

Self-Set Limit – ICICI Credit card provides you to pre-define your own credit limit. You can request a lower limit than what you are actually eligible for. The user can preset the monthly spending limits regularly.

Any kind of transaction over the set spend limit will be declined. The monthly spending limit can be reset during every billing cycle by calling the customer care and placing the request with the customer care executive. The spending limit will be changed online and the same will come into effect from the next billing cycle.

Click to Pay – ICICI Credit card provides click to pay opportunity, the user can now use the available Net Banking or Debit Card to make ICICI Bank loan outstanding payments or pay ICICI Bank’s Credit Card bills.

Mobile Alerts / E-mail Statement – The Statement Online facility provided by ICICI Bank for credit card holders is a very simple, yet powerful and convenient way to view the credit card statement details online without any postal delays. The mobile alerts from ICICI Bank will provide the information about the credit card even when you are on the move. If the cardholder has any payments due against the credit card account, then you will receive an alert five days before the due date relating to the total due amount, minimum due amount and payment due date for the respective credit card account.

Benefits of ICICI Credit Card

The following are the benefits of using an ICICI Credit Card:

 • Easy Access to Money – With the advent of Credit Card, the cardholder can have easy access to money without facing any hassles. One need to carry the card with them all the time instead of cash. This will eventually reduce the qualms of withdrawing the money every time either from bank’s branch account or through ATM’s.

Rewards – The credit card provides reward points for the cardholder. The bank will have tie-ups with the leading brands ranging from dining to shopping. The user of the card can buy products or render the services and make payment using a credit card to avail the cashback benefits apart from the redemption of points during every purchase.

Internet Banking – The ICICI Credit card related information can be obtained via internet banking facility. The user can make transactions like accessing the account information both for the current and last month’s statement, can view the payment status, check the monthly statement. It also enables the user to request for a duplicate PIN, can change the address of communication, can order for the draft facility, give auto debit instructions, can request for an add-on card facility as well.

Payments Option – The ICICI Credit cardholder can pay the credit bill either through cash or using cheque or internet facilities or through the phone. This saves the time of the credit cardholder. It also encourages the user of the credit card to increase the total number of transactions.

When and How does a Credit Card interest is Charged?

The credit card issuer will charge interest on the cardholder when an individual will carry a balance beyond the grace period. The credit card interest is not a one – time thing as the cardholder will have to bear the interest charges levied on the card monthly on non-payment of balance in full. The cardholder can take advantage of a 0% interest rate promotion by paying his or her due bills on time.

When a cardholder does not pay the full balance from the previous billing cycle, then at that time, they will be charged interest.

For Example: If the credit card statement balance of Mr Dinesh shows Rs 1,800, then he has to pay the full amount of Rs 1,800 to avoid being levied interest. Otherwise, in his next month’s credit card statement will include an interest charge for the unpaid credit card bill.

Grace Period is not available for all the transactions and hence to avoid interest charges one has to pay in full. A credit cardholder will be charged interest on any month during which you make a cash advance or any kind of transaction which will not have a grace period.

ICICI Bank Supplementary Credit Cards

With ICICI Bank Supplementary Credit Cards facility you can allocate many of the advantages of your Primary Card with your friends and family without paying joining or annual fees. Your family members can experience their lifestyle in a more convenient way or else you can also allow your children’s to take part in this feature. Supplementary Cards are particularly useful for home and shopping spends. 

Who are eligible for supplementary credit cards?

  • Parents
  • Spouse
  • Brothers/ sisters (18 years or above)
  • Children (18 years or above)

Key benefits of ICICI Bank Supplementary Credit Cards

  • The supplementary cards feature comes zero fees, no joining or annual fees is required.
  • By adding a spending limit on the Supplementary Card, you can share the credit limit with your loves ones.
  • Supplementary cards are added with almost all the features of your Primary Card.
  • While doing online transactions One Time Password (OTP) will be sent to the registered mobile number of Supplementary Cardholder. 

Points to keep in mind:

  • Supplementary Credit Cards are not authorized against Amazon Pay Credit Cards.
  • To apply for a Supplementary Credit Card, head to the nearest ICICI Bank branch.
  • ‘Terms and Conditions’ are applied.

Documents required for ICICI Supplementary Credit Cards

Whenever an individual is entitled to use an ICICI Bank add-on credit card, the following documentation must be given to complete the approval process.

  • Application form for ICICI Add-on Credit Cards which can be easily downloaded by visiting the official ICICI website. One can find the form by going to the section  ‘Others’. Under this, ‘Form Center’. After going to the section he / she will be redirected to another page. Now under the ‘Personal Banking’ section, one can get the form by clicking on the ‘supplementary card request’.
  • Self-attested identity proof such as PAN card, Aadhaar card, Passbook, Driving License
  • Self-attested address proof such as Voter ID, Passport, Utility bills of the last 3 months, Aadhaar Card or Voter ID Card 
  • ICICI Bank may ask you for additional documents as per the requirements. It is important to keep in mind that add-on credit cards would not be issued without the approval of KYC records.

Process to apply for ICICI Bank Add-on Credit Cards Online

One can apply for ICICI Bank Add-on Credit Cards through the below-listed ways:

Via customer care: Applicants need to dial 1800 200 3344 to get in touch with the customer care service. 

Customer care number for different type of applicants:

  • 1860 120 7777 (all retail banking customers)
  • 1800 103 8181 (wealth banking customers)
  • 1860 120 3399 (private banking customers)
  • 1860 120 6699 (business, corporate, and retail institutional banking customers)
  • 040 71403333 (tolled number for retail banking customers)

Or else the applicant can also write to ICICI Bank customer care email id at customer.care@icicibank.com 

Via bank branch: One can also visit your nearest ICICI branch in order to avail add-on credit card. 

ICICI Bank Credit Cards with Add-on Benefits

Below-listed are the list of ICICI Credit Cards with add-on options:

ICICI Bank Sapphiro Credit Card

ICICI Bank Sapphiro Visa Credit Card

ICICI Bank British Airways Premium Credit Card 

ICICI Bank British Airways Classic Credit Card 

ICICI Bank Rubyx Credit Card

ICICI Bank Visa Signature Credit Card

ICICI Bank Rubyx Visa Credit Card

ICICI Bank Ascent American Express® Credit Card

ICICI Bank Platinum Identity Credit Card

ICICI Bank Coral Credit Card

ICICI Bank Coral American Express Credit Card

ICICI Bank Carbon Credit Card

ICICI Bank HPCL Platinum Credit Card

ICICI Bank Platinum Chip Credit Card

ICICI Bank Unifare Credit Card

ICICI Bank Expressions Credit Card

Fees and charges required for ICICI Add-on Credit Cards

No additional fees are required for ICICI supplementary credit cards except the below listed:

  • An annual fee of Rs.250 is applicable on Jet Airways ICICI Bank Coral Credit Card, Jet Airways ICICI Bank Rubyx Credit Card and on Jet Airways ICICI Bank Sapphiro Credit Card
  • Joining fee of Rs 250 is applicable on MakeMyTrip ICICI Bank Platinum Credit Card and MakeMyTrip ICICI Bank Signature Credit Card
  • A one-time fee or joining fee of Rs.199 is applicable on ICICI Bank Expressions Credit Card
  • A one-time fee or joining fee of Rs.299 is applicable on ICICI Bank Unifare Metro Credit Cards

Features of ICICI Bank Supplementary Credit Cards

Nearly all the advantages of the Main Credit Cards are applicable on the Supplementary Credit Cards, according to the following terms and conditions:

Culinary Treats

Save at least 15 per cent on your dining expense at affiliated restaurants with the ICICI Bank Culinary Treats Programme. Applied terms and conditions are equivalent to primary card.  

Offers on booking movie tickets

Book your favourite movie and activities at BookMyShow and experience amazing discounts. Supplementary Cardholder can make use of the book my show deal available on the Primary Card. Applied terms and conditions are similar to the Primary Card, too. 

Fuel surcharge waiver

Get 1% fuel surcharge waiver on fuel transactions across all the fuel stations in the country. Applied terms and conditions are similar to the Primary Card, too. 

Lounge access benefits

The ICICI Bank Credit Cards helps you to indulge and relax at airports with privileges on lounge access. Not available on:(Coral, Jet Coral, Ferrari, Coral Credit Card against Fixed Deposit)

Exciting reward benefits

Your ICICI Bank Credit Card gives you the right to earn PAYBACK Points against your transactions. As per a primary cardholder, all the supplementary cardholders are eligible to earn PAYBACK Points/ JP Miles. The points / miles earned shall be credited to the PAYBACK Points / JP Miles account of the Primary Cardholders. 

Concierge perks

In order to make satisfactory decisions for making restaurant reservations for travel and hotel bookings and even delivering movie tickets at your doorstep 24x7 concierge service takes care of your every request. Enjoy these complimentary benefits even on your Supplementary Credit Card. 

ICICI Credit Card Reward Points

ICICI Rewards Programme, get more out of your money every time you shop. With ICICI Rewards Programme shop more and earn more which gives you a wide range of redemption options including jewellery, fashion accessories, garments, home appliances, electronic equipment, cosmetics, gift vouchers, airline miles and donation to charities. Scroll down and get to know about ICICI Rewards Programme.

Key Highlights of ICICI Rewards

  • Earn reward points for your each and every transaction
  • There is no limit on earning ICICI Reward Points, that means the earning capacity of reward points is totally depend on your spending habit.
  • The accumulated reward points have no expiry date, you can redeem the reward points anytime you want.
  • Accumulated reward points can be redeemed against amazing gifts and vouchers.

Eligible Credit Cards for ICICI Reward Points

Below listed are ICICI Credit Cards that are eligible for earning reward points.

ICICI Corporate Credit Cards

  • ICICI Bank Gold Business Credit Cards 
  • ICICI Bank Gold Corporate Credit Cards 
  • ICICI Bank Silver Corporate Credit Cards 

Other ICICI Credit Cards

  • ICICI Bank American Express Credit Card
  • ICICI Bank Big Bazaar Gold, PLC & Silver Credit Cards
  • ICICI Bank Easy Deposit Preferred Gold Credit Card
  • ICICI Bank e-BOR Preferred Gold & Silver Credit Cards
  • ICICI Bank Foreign National Platinum Credit Card
  • ICICI Bank Gold Next Credit Card
  • ICICI Bank Virtual Credit Card

Where to earn ICICI Reward Points?

By spending from your ICICI Credit Card you can earn reward points for all your spending categories. Below are the spending categories on which you can earn exciting loyalty points:

  • Use your ICICI Credit Card for everyday spending habits such as grocery shopping, dining, online shopping, etc.
  • Use your ICICI Credit Card on booking your travel or holidays and purchasing jewellery to earn reward points.
  • Use your ICICI Credit Card for International spending and paying for your utility bills for earning ICICI reward points.
  • Through add-on facility on ICICI Credit Card you can earn rewards faster by sharing the benefits of the credit card with your family or friends. 

Rewards catalogue of ICICI Credit Cards  

  • Spent a minimum of Rs 100 on utilities and insurance with ICICI Platinum Chip Card-Visa credit card and get 1 PAYBACK points
  • Spent a minimum of Rs 100 on other categories with ICICI Platinum Chip Card-Visa credit card and get 2 PAYBACK points
  • Spent a minimum of Rs 100 on utilities and insurance with ICICI Bank Coral Contactless Card and get
  • 1 PAYBACK point
  • Spent a minimum of Rs 100 on other categories with ICICI Bank Coral Contactless Card and get
  • 2 PAYBACK point
  • Spent a minimum of Rs 100 on domestic transactions with ICICI Bank Sapphiro MasterCard Credit Card or ICICI Bank Rubyx MasterCard Credit Card and get 2 PAYBACK points
  • Spent a minimum of Rs 100 on international transactions with ICICI Bank Sapphiro MasterCard Credit Card or ICICI Bank Rubyx MasterCard Credit Card and get 4 PAYBACK points
  • Spent a minimum of Rs 100 on domestic transactions with ICICI Bank Sapphiro Platinum American Express Credit Card or ICICI Bank Rubyx Platinum American Express Credit Card and get 3 PAYBACK points
  • Spent a minimum of Rs 100 on international transactions with ICICI Bank Sapphiro Platinum American Express Credit Card or ICICI Bank Rubyx Platinum American Express Credit Card and get 6 PAYBACK points
  • Spent a minimum of Rs 100 with ICICI Bank Carbon and get 2 PAYBACK points

Process to Redeem ICICI Bank Rewards Points 

Redeem your ICICI Bank reward points in a simple and quick process. You don't need to have minimum accumulated points to be eligible. To redeem reward points please follow the steps listed below: 

Via Net Banking

  • Log in to your ICICI net banking account using the credentials and go to the Credit Cards page 
  • Now click on the 'Reward Points' option and then click on 'Redeem Online'
  • Now select any item of your choice which are available for redemption
  • Now you will get a unique order ID which you have to remember
  • The order will be confirmed and reach your doorstep within 10 working days.
  • Once placed, orders are non-refundable, and can not be exchanged

Via Customer Care

  • Call to the ICICI Bank Customer Care number: 1860 120 7777, 1800 103 8181 or 1860 120 6699
  • Once connected with a representative provide him/her the item code you've selected for the reward.
  • Now the representative will provide you a unique order ID
  • Once done your order will be confirmed and you will get the same on your doorstep within 10 business days.

ICICI Bank Rewards Powered by PAYBACK

All you do now offer you PAYBACK points with your ICICI Bank Credit Card – from in-store shopping to online orders, dining, movies and weekends.

Eligible Credit Cards to earn PAYBACK points

  • ICICI Bank Diamant Credit Card
  • ICICI Bank Sapphiro Credit Cards
  • ICICI Bank Rubyx Credit Cards
  • ICICI Bank Coral Credit Cards
  • ICICI Bank HPCL Platinum Credit Card
  • ICICI Bank Platinum Credit Card
  • ICICI Bank Expressions Credit Card

How to get added value from ICICI PAYBACK membership?

To earn PAYBACK points shop for anything you want from ICICI Credit Card. You can spend in a variety of categories such as online shopping, dining, movies and holidays and more.

Single membership, with unparalleled perks: Use ICICI Credit Card for shopping and earn points at more than 100 PAYBACK partners and redeem the accumulated reward point for amazing reward categories.

No limits for earning points: Use your ICICI Bank Credit Card and earn PAYBACK points for each and every purchase.

Accelerate reward benefits: Use your ICICI Credit Card at the time of checkout and mention your PAYBACK Card number / registered mobile number to a PAYBACK member to earn points on the same transaction from both ICICI Bank Rewards and the PAYBACK partner.

Lifestyle Benefits: Get amazing offers and reward points from exclusive partners across categories such as travel, entertainment, dining, fashion accessories and more.

Redeem for exciting rewards: Get seamless benefits for redeeming points against amazing rewards. Get vouchers from across more than 100 brands from PAYBACK Voucher World, redeem the accumulated reward points across more than 1000 products from the Rewards Catalogue or else redeem the points at online partners or stores.

Ways to earn PAYBACK Points

To easily earn PAYBACK Points from ICICI Bank Rewards directly follow these five simple steps:

Day to Day shopping:

Using your ICICI Credit Card everyday for spending on grocery, online stores, dining and much more enables you to earn PAYBACK points.

Purchase high-value products

Using your ICICI Credit Card to purchase gold, jewellery, booking travel, enables you to earn PAYBACK points much faster.

International Travel

To earn PAYBACK points, remember to keep your ICICI Credit Card while travelling overseas.

Automatic Bill Pay

To earn more points, reimburse your regular bills such as utility payments through your ICICI Bank Credit Card.

Add-on Cards

Earn the rewards points faster by accessing your account's privileges and benefits with your loved ones. You can grant up to 2 supplementary cards to family and friends above the age of 18. For more details or to request a Supplementary Card, please contact the 24-hour ICICI customer care service. 

What is important to maintain a good credit rating?

Getting a good credit score is only possible if you follow responsible credit behaviour. Here are some of the important factors in maintaining a good credit rating.

Consistent Repayment: 

  • A big part of your credit score depends on your payment history. It holds about 35% weight on your credit score. 
  • If you want to maintain a good credit rating all the time, your repayment record should be clean with a 100% positive repayment. 
  • Never miss a single repayment so you can enjoy robust credit health. Making the repayment on time is the only assurance you can give the lender about your credit fidelity.

Low Credit Card Usage: 

  • Experts recommend keeping your credit card usage rate below 30% to help you achieve a good credit rating over some time. 
  • It is a sign to lenders that you are not hungry for credit. Things like maximizing the credit card limit or defaults on bills can make it more difficult to maintain a good credit rating. 
  • Only use your credit card when you need it or in an emergency when you don't have money. Limiting the use of credit cards can help you avoid debt and achieve a good credit score.

Credit Diversification: 

  • Creditors want to see how experienced you are with all types of credit. In this sense, having a mix of all forms of credit is a good factor in maintaining a good credit rating. 
  • Use a credit card to keep your credit still active and have secured and unsecured loans to hit the credit mix. 
  • This is an important factor because a certain percentage of weighting is provided in the calculation of the credit score.

Avoid Multiple Credit Applications: 

  • When you're desperate for a loan or credit card, you may tend to apply to multiple lenders just to get approved. 
  • But, you have to remember that it can work against you. Whenever you apply for credit, a thorough investigation comes up by the lender. 
  • Every serious request will have a slight impact on your credit score. Several difficult requests will negatively impact your credit score. Also, a rejection of a credit application can put you in a difficult situation as it can be a barrier to the approval of other lenders. 
  • Therefore, avoid applying for multiple credits to maintain a good credit rating.

Length of your credit history: 

  • Soon after you get the first credit, your credit score will not be updated for a few months. 
  • It can take between 3 and 6 months to get your credit score. It might be difficult for the lender to judge your credit profile with a shorter credit history because you are not as experienced with credit. 
  • A long credit history gives a detailed understanding of your credit behaviour which in turn plays an important role in credit approval. Keeping your credit activities active and borrowing as early as possible is important to maintaining a good credit rating.

ICICI Bank Hand-picked Rewards

ICICI Bank Hand-picked rewards is a program designed to add enrichment to your card experience. You may use your ICICI Credit Card for regular travels, taking experience at fine dining or movies, online shopping and more to earn exciting reward points. Therefore when it comes to redeeming accumulated reward points ICICI bank offers you a unique option based on your elegant lifestyle. Redeem your Hand-picked Rewards from a selection of excellent brands, each product is specifically hand-picked for you to make your rewarding experience the finest.

Benefits of ICICI Bank Hand-picked Rewards

  • Get reward points for all your spendings
  • There is no limit on earning Hand-picked Rewards 
  • The accumulated reward points have no expiry date
  • Choose from incredible redemption choices varying from clothes to fragrances, weekend dining experiences, media players to hi-tech electronics and much more.

Eligible Credit Cards for Hand-picked Rewards

Below listed are the ICICI Bank Credit Cards that are eligible for Hand-picked Rewards.

Other ICICI Credit Cards

  • ICICI Bank Limited Edition Credit Card
  • ICICI Bank Business Ascent American Express Credit Card
  • ICICI Bank American Express Gold Credit Card
  • ICICI Bank Corporate Platinum Credit Card

Redeem ICICI Bank Hand-picked Rewards

You can redeem the accumulated Hand-picked reward points through two simple ways.

  • Phone Call
  • Visiting ICICI website

Process to redeem Hand-picked Rewards via Phone Call

Get in touch with the 24x7 customer care service and confirm the item code of the reward you want to redeem to the customer care executive. You will be provided a unique order number by the representative which you have to keep safe for future use. Your reward will be delivered within 10 working days to your mailing address. 

Process to redeem Hand-picked Rewards via Online

  • Visit www.icicibank.com and login to your net banking account to redeem the Hand-picked rewards.
  • Head to the Credit Cards page, under the 'Reward Points' section click on 'Redeem Online'.
  • From the drop-down menu select your picked item and write down your unique number for reference purposes. 
  • The item will be delivered to your doorstep within 10 working days.

How to calculate ICICI bank reward points?

Reward points are earned on almost all ICICI credit card transactions on every purchase, high-value purchases, international travel, bill payments. The reward points earned are doubled when the card is used to pay at one of the 100+ PAYBACK partners. PAYBACK points are valid for 3 years from the date of gain. ICICI bank rewards are valid as long as the account is active and not late.

How to check your reward points?

To check the PAYBACK points, you can follow one of the options below:

  •  Call the ICICI Bank customer service 24/7.
  •  Use the ICICI Bank Internet Banking Portal to check reward points
  •  The monthly credit card statements show the latest summary of points.
  •  Connect to Payback website or use the PAYBACK app or call the PAYBACK contact centre

To check the ICICI bank rewards, follow one of the methods below:

  • Connect to ICICI Bank Internet Banking. Select Exclusive Offers, then click on Reward Points and finally select View Rewards to check your available reward points.
  • Log into iMobile then select Account Services after that, click on Show Reward Points, finally select the account number and click submit.

How to redeem ICICI credit card Rewards points online?

Log in to your Internet bank account on the ICICI Bank website with your login credentials. You can then access the credit cards page and click on "Reward Points".To redeem your points, click on Redeem online option. You will receive a list of items from which to choose. Select your item and use it. A unique reference ID will be generated, please note it for future reference. With the online option, you can check your points balance, browse rewards and redeem your points immediately. The order will take Maximum 10 working days to deliver your address. For the conversion of airline miles, this can take approximately 15 working days. You can check the status of your gifts by calling or sending an email to customer service. Once the award has been issued, it will not be refundable, replaceable, or exchangeable for cash or any other product.

How to use ICICI reward points via customer care service

Call the 24-hour customer support line provided by ICICI Bank. A representative will assist you to claim the reward points of your ICICI bank credit card. You must provide the item code for your selected reward. The representative will place your order and give you a unique transaction identifier for future reference. The order will take Maximum 10 working days to deliver your address. For the conversion of airline miles, this can take approximately 15 working days. You can check the status of your gifts by calling or sending an email to customer service. Once the award is issued, it will not be refundable, replaceable, or redeemable for cash or other product.

ICICI Credit Card Apply

An individual can apply for ICICI Credit card either through online or by visiting the nearby bank branch.

ICICI Credit Card Apply Online

• The customer can visit the official website of ICICI Bank and click on ‘Product Option’ on the homepage.

• Select the ‘Credit Card’ option post which the prospective customer can go through the various credit card options based on the minimum annual income of the individual that is the required aspect to possess a credit card and check other features such as travel, lifestyle and so on.

• Once the desired card is chosen, now the applicants can move on to the next step by selecting the ‘Apply Now’ option after which they will be directed to a new page.

• Based on if the individual is an existing or a new customer, the application form will be presented which has to be filled by providing the required details.

• Finally, based on the eligibility criteria of the customer, the bank may or may not grant the credit card to the customer.

The customers can also apply for a credit card by sending an e-mail directly to the ICICI Bank.

ICICI Credit Card how to apply - offline?

The individuals can apply for credit card with ICICI Bank via offline by visiting the nearest branch of ICICI Bank. The applicants have to fill in the application form provided by the bank executives to secure a credit card and have to submit the required documents as mentioned in the application. If they meet the eligibility criteria, then the bank will provide the credit card to the customer. The decision to provide the credit card to a customer is solely based on the bank's discretion.

Customers can also procure credit card by placing a call to the customer care of ICICI Bank which is operational 24X7.

Eligibility Criteria to apply for ICICI Credit Card

An individual should satisfy the below-mentioned criteria to secure a Credit Card with ICICI Bank

1. Should not be younger than 23 years at the time of submitting the application.

2. Minimum age of the add-on cardholder is 18 years.

3. Should have a monthly salary of Rs 20,000

4. If the individual is self-employed, then the minimum annual income must not be less than Rs 3 lakhs.

5. Should have good CIBIL Score.

Important Documents Required for ICICI Credit Card

• PAN Card

• Passport size latest photograph

Address Proof – Passport, Driving License, Rental agreement, Flat maintenance bill (two months – latest and previous month), Phone Bill (two months – latest and previous months), Electricity Bill (two months – latest and previous month).

One Identity Proof issued by the government of India – Election Voters ID, Driving License, Aadhaar Card, Passport, Ration Card.

Proof of Income – Last 3 months salary slip or last 3 months bank statement, Form 16, Audited financials for at least last two years for self-employed individuals.

Types of ICICI Bank Credit Cards

ICICI Bank provides a wide variety of credit cards and selecting one can be challenging. To make you easy to opt for the best one according to your need we separated ICICI Credit Cards into 6 groups based on the features and benefits.

Categories of ICICI Bank Credit Cards

  • ICICI Travel Credit Cards
  • ICICI Lifestyle Credit Cards
  • ICICI Fuel Credit Cards
  • ICICI Reward Credit Cards
  • ICICI Shopping Credit Cards
  • ICICI Premium Credit Cards

ICICI Travel Credit Cards

ICICI bank provides certain credit cards which comes with significant benefits for frequent travellers such as reward points/air miles, complimentary lounge access, and more. Key benefits of ICICI Bank Travel Credit Cards are listed below.

MakeMyTrip ICICI Bank Platinum Credit Card

  • Joining Fee: Rs.500
  • Annual fee: NIL
  • Get MMTBLACK Membership and Lemon Tree Hotel voucher worth Rs. 2,000 as a joining gift
  • Enjoy complimentary domestic airport and railway lounge visits
  • On purchasing of one movie ticket get another 1 ticket free on BookMyShow
  • Get 20% off on dining at select restaurants
  • Fuel surcharge waiver up to Rs. 4,000 at HPCL pumps across India

ICICI Credit Card App

The ICICI Mobile Banking App known as iMobile app is the most convenient, comprehensive and secure for mobile banking application which offers various banking and information services on the day to day basis handily from your smartphone. The ICICI Credit Card app is available for iOS and Android users.

One can download the app and enjoy the experience of banking on the go. Download or SMS iMobile to 5676766 to get the download link.

Features of iMobile includes

  • Hotel Bookings: Use the iMobile app to book hotels.
  • Flight Ticket Bookings: Use iMobile app to book flight tickets.
  • Rail Ticket Bookings: Use iMobile app to book rail tickets.
  • Local Deals: Use iMobile app to get the best local deals.
  • iDirect: Manage the Demat portfolio from your phone using iMobile app.
  • Expressions Debit Card: Personalize your debit card as per your choice with several options.
  • Buy Life Insurance: Experience a quicker and easier way to get insured using iMobile app.

Benefits of ICICI Mobile Banking 

Manage your bank account by your mobile with an easy and secure way. It is suitable for all types of mobile phones. With ICICI Mobile Banking you can get the below-listed benefits.

  • Access and manage your account in a more convenient way.
  • Get more secure and safe platform to manage your banking with ICICI Mobile Banking
  • Pay your bills via ICICI Mobile Banking in a more convenient way
  • With ICICI Mobile Banking you are covered with amazing offers and discounts for your every transaction.
  • You can use ICICI Mobile Banking without an internet connection via SMS Banking & NUUP.

Features of ICICI Mobile Banking 

  • Explore the widest mobile banking app today with over 150 services. With this, you can manage your bank account right from your comfort.
  • ICICI Bank in collaboration with telecom network providers provides easy Mobile Money accounts by which you can do fund transfer, movie tickets, recharge your mobile, transfer funds, and more.
  • To make use of our Mobile Banking services, you don't need a smartphone or a data plan enabled on your mobile phone. By sending a simple SMS, you are enabled to pay bills, recharge prepaid services, and access banking services.

Process to register for ICICI Bank Mobile Banking Services

By following the below-given steps you can register for ICICI Bank’s mobile banking services.


  • Visit your nearest ICICI Bank ATM and insert your debit card on the card slot provided at the ATM machine.
  • From the set of options tap on the ‘Register mobile number’ option
  • Now you will be asked to enter your mobile number
  • Re-enter the mobile number and confirm it by tapping on the 'Confirm' option
  • Once done you will get a successful message on the ATM screen and your number will get registered within 2 business days with the bank. 

Via ICICI Branch

Visit the nearest branch of ICICI Bank and fill out the registration application form. For the method, you will need to provide any of the following identity proofs:

  • Driving license
  • Passport
  • Voter ID Card
  • PAN card
  • Ex-Service Man Card

Via Get in Touch service: By visiting the ICICI Mobile Banking page you can submit your number. The customer support team of the bank will get in contact with you after submitting your registered phone number and will help you to enable the mobile banking services. But, please make sure that you provide your registered mobile number to the customer care executive. 

Why should one choose ICICI Credit Card?

Exceptional Features – ICICI Bank provides its customers a wide array of credit cards, tailored to meet the requirements of today’s digitized era.

More Benefits – The Credit card offered by the ICICI Bank comes with a wide range of features and benefits ranging from holidays, hotel, airline, travel, fuel, movies, wellness, dining and so on.

Special Cards for NRIs- ICICI Bank not only provides credit card facilities to the Resident Indians, the credit card facility is extended even for the Non-Resident Indians (NRI).

Easily Accessible – It is very easy to secure an ICICI Bank’s Credit Card, the prospective customers have to walk into the nearest bank branch, submit all the required details and get the card delivered to your doorsteps within a short period of time.

Valuable Customer Support – The ICICI Bank’s credit card division provides good customer support to the cardholders. The strong customer care support will help you to clarify any query or concern- just by dialing the number or sending an email.

ICICI Bank Business Credit Card

ICICI Bank Business Credit Card offers a convenient option for the management of all business expenses for members, associates, directors and staff in the SMEs and Self-Employed group. It provides a variety of benefits tailored to save time and effort for you and your company. Experience all right from interest-free credit period, simple payment processing & maintaining records to make cashless transactions in a seamless way. It's a smart way to allow seamless transfers and to improve the cash flow. The Business Credit Card is provided on behalf of the entity, and is utilized for the following payment types:

Travel and Entertainment spending

  • Fuel, electricity, insurance and other utilities expenses
  • Business supplies and service charges
  • Management of vendor payments
  • Expertise and advertising expenses
  • Other miscellaneous expenditures 

Key benefits of ICICI Bank Business Credit Card

  • Fuel surcharge waiver of 1%
  • Management of expense online
  • Interest-free credit period up to 48 days
  • Complimentary airport lounge access at select airport
  • Insurance Coverage up to Rs. 75 lakh
  • Spending benefits such as rewards, InterMiles, offers and deals
  • GCAS customer service

ICICI Bank Business Advantage Black Card

ICICI Bank Business Advantage Black Card which is an exclusive card built with the integration of contactless technology that improves your business savings, in an innovative way. You can also earn amazing cashback for your business expenses and credit card payments as well. You can earn cashback up to 1% on domestic and international spends. ICICI Bank Business Advantage Black Card is enabled by contactless Visa Paywave technology , which helps you to make quick, seamless and safe payments at retail stores. Just tap your card where the contactless payment is accepted and you are done. You can also use the card globally as the contactless payment is accepted over 48 countries globally. The card provides cashback on any regular business expenditures – from airline tickets to car rentals to payments for business services (accounting, advertisement, publicity, etc.) and much more. This card comes with enhanced security and features, by availing this card you not only earn cashback but also save more on your business expenses.   

By using your Business Advantage Black Card you can earn cashback on every credit card statement payment. A cashback of 0.20% on your total amount due by making payment through ICICI Bank Internet Banking is waiting for you. The Business Advantage Black Card is crafted with EMV Chip and PIN technology which provides you enhanced security on your credit card. The card comes with an embedded microchip which offers you higher security against all types of card fraudulent activities such as counterfeiting / duplication of the card and more. With an extra layer of security in the form of a Personal Identification Number (PIN) you need to enter this PIN on the terminal to initiate a transaction at the merchant sites. You need to enroll your new Chip and PIN card for 3D Secure (Verified by VISA SecureCode) at www.icicibank.com in order to secure your online transactions. It is the most appreciated authentication for online payments or transactions to secure your card against frauds or scammers. VISA SecureCode helps you to enter your unique VISA SecureCode PIN in addition to your CVV/Expiry date while transacting online. As a ICICI Bank Business Credit Card holder, this registration is mandatory in order to transact at the online platforms.   

Multiple bill payment options under ICICI Bank Business Advantage Black Card

With ICICI Bank Business Advantage Black Card, you can make bill payments through a range of options which are listed below.

Online payment: With your Business Advantage Black Card you can make payment for your bills online through the options like: Bill Pay (for ICICI Bank Savings Account) or Click to Pay (non ICICI Bank Savings Account holders). In case you are ICICI Bank Savings Account holder, you can make your credit card payments calling to the customer care service.

Auto-debit: With the convenience of an auto-debit facility, ICICI Bank Savings Account holders can render their Business Advantage Black Card payment directly. 

Cheque/ Demand Draft: You can also make payments for your bills through cheque or demand draft. Just deposit your cheque or bank draft favouring your ICICI Bank Business Advantage Black Card number at drop boxes available at your nearest ICICI Bank branches. Please be aware that an ICICI bank cheque takes 3 days to complete the payment and non-ICICI Bank cheque takes 5 days for the same.

ICICI Bank ATM: Using your ICICI Bank Debit Card on any ICICI Bank ATM you can render bill payment for your Business Advantage Black Card. The payment will be credited to your Business Card instantly. Use your Debit Card on the ICICI Bank ATM to access this alternative under 'others’ section.

Cash Payment: You can even make payment for your Business Advantage Black Card bill by cash by visiting your nearest ICICI Bank branch. It takes 24 hours to reflect the payment in your Business Advantage Black Card. 

ICICI Travel Credit Cards

ICICI Bank Travel Cards are your ideal partner to make your international travel more peaceful. Select any travel credit card of your choice and make a secure alternative way to carry foreign currency for all your international trips. Now stop currency variability and save cross-currency charges by filling your card with 15 international currencies ZAR, SAR, THB, NZD, HKD, USD, GBP, EUR, CAD, AUD, SGD, AED, CHF, JPY, SEK. Load and quickly trigger your Travel Card and start using it instantly while booking your international flight and lodging. You can make purchases only on international platforms and overseas merchants.

Features and Benefits of ICICI Travel Credit Cards

1. Easy to use: Load and use your Travel Card to enable purchases at different retail stores and enable payments for making online transactions.

2. 3D Secure and CHIP & PIN technology: 3D Secure authentication enabled on ICICI Bank Travel Card secure your card while making online transactions. 3D Secure provides you card with enhanced security to make convenient checkout that validates your identification when you make purchases. 

3. Buy travel credit card through net banking or iMobile App: Through the net banking and  iMobile App facility you can apply for travel credit cards from the comfort of your home or office. Reloading or refunding is always only one step ahead, no matter where you are. 

4. 24x7 online service via ‘Self Care Portal’ login: Manage all your travel services from the comfort of your home through ‘Self Care Portal’. It enables you to track your spends, block/ unblock your card, reset ATM PIN, Wallet to Wallet transfer and more. 

5. Amazing offers and privileges: Big savings while traveling overseas with your ICICI Bank Travel Card on dining, shopping, stay and much more.

6. Free card replacement: The ICICI Bank Multicurrency Travel Card kit comes with the Primary Card as well as a free Replacement Card. In case any lose / damage of your primary card, you can instantly activate the Replacement Card. To enable and transfer the balance on the Secondary Card, simply dial ICICI Bank Customer Service or the 24X7 International toll-free numbers. The Travel Kit already contains ATM/ POS PIN. You can generate a new PIN through Self-Care portal or by calling Customer Care in case the PIN is forgotten or misplaced by you. 

Manage your travel credit card through Internet Banking or iMobile app

Apply for ICICI Travel Credit Cards and get it delivered to your doorstep. Reloading or refunding is also just one click away, which can access from anywhere anytime. Buy ICICI Bank Travel Card online now with simple paperwork and get an enabled Travel Card delivered to your authorized delivery address within 4-5 business days. ICICI Bank Travel Card is also accessible through the ICICI Bank Forex branches. 

Documents required

  • LRS declaration and Form A2 cum application 
  • PAN Card
  • Passport along with self attested photocopy
  • Aadhar Card along with self-attested photocopy
  • For non-ICICI Bank customers: Self attested copy of VISA. In case VISA is not delivered to you, then a copy of the air ticket is also granted.
  • Any other related documents if required as per suggested in the RBI guidelines.

How to buy ICICI Travel Credit Card?

You can apply for ICICI Travel Credit Card through internet banking, IMobile app, and Forex branches. Go through the below given steps to know the process.

Internet Banking

  • Log in to ICICI Bank Internet Banking using the user credentials.
  • Under ‘My Accounts’ section click on ‘Forex & Travel Cards’ 
  • Now click on ‘Buy a new Travel Card’ option.
  • Now select a travel card according to your choice and enter the required details.
  • Now click on ‘Generate Card’ and the card will be activated.
  • You will get the card at your doorstep within 5 working days.

ICICI Credit Card Bill Payment

ICICI Bank has introduced a facility known as Bill Payment to help the customers make online payment of bills including telephone, mobile, electricity, insurance and so on. The bank has a tie-up with more than 250 billers to help the customers to pay the bill online without facing any hassles.

One needs to have any of the following

- ICICI Bank Account

- ICICI Bank Credit Card (available only for select billers)

What are the different biller categories?

There are three categories of billers on the basis of how the cardholder pay their bills:

Presentment Type: For these billers, the bills are presented on the bank’s website and one can go and check them online. Once you register for a presentment type biller the details will be sent to the biller and whenever the bill is generated (which will be the next billing cycle from the registration date), it will be presented on the bank’s website and you can make the payment.

It takes a minimum of 30 days after the registration by the cardholder for the completion of the registration process and hence one cannot pay the bill immediately after registration.

The physical form of bills will also be delivered as per the norms.

Payment Type: For these billers, one can pay the bill immediately after registering for them. The bills for these will not be presented online and the cardholder has to enter the payment amount while making payment.

The cardholder will continue to receive bills in the physical form the biller as per the norms.

Shopping Mall Type: For this kind of billers, one has to go the shops (biller) website for paying the bills. They cannot be paid by first logging on to the bank’s website. 

ICICI Credit Card Payment through Debit Card

One of the options that can be achieved using both the online and offline platforms is to use a debit card to clear pending credit card due. ICICI Bank only accepts ICICI Debit Cards for bill payments. Only ICICI Credit Cardholders can pay through debit card, other applicants may have to choose a different paying form. The bank has launched an online service, titled ' Click to Pay, ' to allow credit card customers to clear their dues with their ICICI debit card. Cardholders can use the option to use their debit card or net bank account to make their credit card payments. The same facility may also be used to reimburse unpaid ICICI loans. In order to pay their card dues without authentication or net banking account, ICICI Credit Cardholders can use ' Click To Pay ' directly.

Steps for ICICI Credit Card Payment through Debit Card

  • Visit ICICI Credit Card site
  • Click on Online Services tab.
  • Click on Click to Pay for the further process
  • From the drop-down menu of Select Your Card Type, select ICICI Bank Debit Card.
  • Click on Proceed and you will be redirected to the new page.
  • Enter your credit card number, outstanding amount and click on Pay Now.
  • Now you will be redirected to the new page, enter your debit card details and click on Confirm.
  • Once the payment is complete you will see the transaction details on the screen.

Steps for ICICI Credit Card Payment with Debit Card at ATM

  • Visit your nearest ICICI ATM and insert your ICICI Debit Card to start the process
  • Select your preferred language and enter your debit card PIN.
  • Tap on More Options, from the main menu.
  • Now tap on "Loan / Credit Card Payment"
  • On the next screen, tap on ‘ICICI Bank Credit Card’
  • Enter your ‘Credit Card Number’ and tap on Yes
  • Enter the outstanding amount and tap on Yes
  • After the payment is done you will receive the transaction details on your registered mobile number.

ICICI Credit Card Status

Track your ICICI Credit Card Status either using the application number or using the date of birth of the applicant. 

ICICI Credit Card Application Status Using Application Number

Step 1: Visit the official web portal of ICICI bank

Step 2: Fill in the right side form on the page with your mobile number, date of birth, application number to proceed further. 

Step 3: Now click on the ‘Continue’ button

Step 4: Your ICICI Credit Card Application status will be displayed as soon as you hit the continue button if you have provided accurate information at the time of filling the form. 

ICICI Credit Card Application Status Using Date of Birth 

If the applicant does not remember the application number, then he/she can opt for using their respective date of birth to check the ICICI credit card application status

Step 1: Visit the official web portal of ICICI Bank.

Step 2: Now choose the asset portal of ICICI Bank

Step 3: Select the option ‘Track my application’ which can be seen on the right side of the portal

Step 4: Proceeding further fill in the form by providing relevant details including Date of Birth, Mobile Number.

Step 5: Click on ‘Send OTP’ option

Step 6: You will receive an OTP on your registered mobile number

Step 7: Now enter the OTP which you received on your phone in the provided field and click on ‘Continue’ 

Step 8: Your application status will get displayed as soon as you hit the continue button, provided you have entered all the details accurately. 

How To Close ICICI Credit Card?

A cardholder can visit the nearest ICICI Bank and meet an executive and inform about the intention to close the existing credit card.

Fill in the details of Credit Card Closure Form and submit the same to the Branch Manager. Alternatively, download the form, fill it and send it to ICICI Bank Limited, Race Course Circle, Vadodara – 390007 or ICICI Bank Towers, Bandra-Kurla Complex, Mumbai – 400051. Once the process of cancellation is initiated, the cardholder should cut the respective credit card diagonally. The request will automatically lead to the termination of the add-on cards.

Termination of the credit card will be effective after payment of all amounts outstanding on the card account.

The cardholder has to mention the type of card – Primary/Add type of ICICI Bank’s Credit card which he/she wants to cancel. After submitting the request for cancellation the Phone Banking Officer will contact you within 3 working days on the registered phone number to confirm the cancellation. Your request will be processed within 7 working days after the officer contacts you.

Cardholders can also fill the Credit Card Cancellation Request Form which is available online and can submit the same to cancel the respective Credit Card of ICICI Bank. In case if you are re-trying the procedure, then you can check the status of the previous request as well.

The Cardholder can also call the Customer Care of the ICICI Bank and can cancel their credit cards at any point of time by calling the toll-free number 1800-200-8181, to initiate a request to cancel or close their respective credit card.

ICICI Credit Card Payment

The advancement of technology has helped the customers as well as banks to make use of credit card and make payments easily, quickly and without facing any hassles, on a real time basis.

The user can scan the QR code using any of the UPI enabled banking apps/ BHIM app to pay the ICICI Credit Card Bill Payment for making the outstanding payment.

The following is the procedure used to pay the ICICI Bank Credit Card outstanding payment amount:

Step 1: Enter your respective credit card number twice and click on the verify button.
Step 2: Check thoroughly all the details populated on the screen for confirmation.
Step 3: Enter the amount which you intend to pay
Step 4: Click on Generate QR Code
Step 5: Login using any UPI enabled mobile banking app/ BHIM Application and scan the code
Step 6: Now proceed further to make payment in your UPI app.
Step 7: Now you will get a successful confirmation along with the transaction number on your mobile screen.

ICICI Credit Card Statement

The ICICI Credit Card Statement can be viewed by the users and can be viewed in the logged-in section. 

Visit the ICICI Bank’s official web portal with your User ID and password to view and download the credit card statement. 

The users can also dial up the ICICI Credit Card Customer Care to authenticate yourself and choose the ‘Self Banking’ option to get your User ID. 

ICICI Credit Card Online Payment

Procedure to pay ICICI Bank Credit Card outstanding balance via online in 4 simple steps:

Step 1: Selection of Bank

  • Select the bank from which you would like to make your ICICI Bank Credit card payment (ICICI partners with only some selected banks)

Step 2: Provide Credit Card Details

  • Now select your card type
  • Enter the 15/16 digit ICICI Credit Card number and the amount which you intend to pay
  • The user will be securely redirected to the payment interface of the chosen bank

Step 3: Confirm Payment

  • Now enter your authentication details which include the net banking user ID and password of your bank account and other relevant details.
  • Confirm your payment amount.
  • Your account will get debited instantaneously.

Step 4: Receive Online Confirmation

  • After successful completion of the transaction, you will receive a Transaction Reference Number.

ICICI Credit Card Bill Desk

ICICI Credit Card Bill Desk is an online platform to make your payments from any other bank account. Bill desk is the most popular and widely known platform for the person who does not have a bank account with ICICI Bank. Below given benefits make Bill Desk the most convenient way to pay or transfer money. 

Benefits of ICICI Credit Card Bill Desk

  • Bill Desk service allows you to track the status of all your current bills and payments.
  • With AutoPay feature your ICICI Credit Card pending dues will be paid automatically
  • Get notified on your registered mobile number and email for your every transaction
  • With Expense Analysis feature, you can track the spending history of your ICICI Credit Card
  • Bill desk service is available 24x7, which allows you to pay your ICICI Credit Card bill with any device.
  • Get 24x7 customer support and solve your query regarding bill desk service. 

Who can pay through ICICI Credit Card Bill Desk

  • All non-individual customers
  • Trusts and Corporates
  • Small business enterprises and companies
  • Non-Agency Banks
  • Government and Private Institutions
  • Private Firms and MNC Companies
  • Government and Private organizations
  • Sole Proprietors
  • Public Sector Undertakings

ICICI Credit Card Payment Bill Desk Online

  • Visit the site https://www.billdesk.in/bpay/customerops/online_register_vbpsi.jsp
  • Enter your credit card number and retype the same on the required box
  • Enter your valid email id and mobile number
  • Agree with the Terms and Conditions
  • Review your entered details for any error and click on Submit
  • Confirm your payment amount and your account will be debited instantly
  • Now you will receive an online transaction confirmation and a Transaction Reference Number.

ICICI Credit Card PIN Generation

All the ICICI Credit Cards should have a valid 4 digit PIN to use the same at merchant terminals, for conducting online transactions, ATMs and so on.

After applying for a new ICICI Credit Card, the bank will dispatch the card and PIN separately to your registered mailing address. After you receive your ICICI credit card, the given PIN should be changed within 7 working days.

If the ICICI credit card customers have not received the PIN within a span of 7 – 10 working days, then one can use any of the below-mentioned methods to generate PIN yourself.

Ways to generate ICICI Credit Card PIN

ICICI Bank offers 4 different ways to generate PIN for credit card and they are:

  • Visiting ICICI Bank ATM
  • Using ICICI Bank internet banking
  • Calling ICICI customer care
  • ICICI iMobile App

Generate ICICI Credit Card PIN by visiting the ATM

Follow the below-mentioned steps to generate ICICI Credit Card PIN

  • First, visit the nearest ICICI Bank’s ATM along with your credit card
  • Insert your card in the machine and choose the language of your preference. 
  • Now, select the ‘Create PIN using OTP’ option. 
  • After you choose the option, a One Time Password or OTP will be sent to your registered mobile number. 
  • Now proceed further and enter the OTP on the ATM screen.
  • Enter the 4 digit PIN of your choice as password
  • Re-type the PIN again and click on ‘Submit’ button. 

Once the OTP is verified, the PIN will be changed successfully and you will get a message on the screen in the ATM stating the successful changing of PIN and the same message will also be sent to your registered mobile number. 

Generate ICICI Credit Card PIN using ICICI Bank Internet Banking

If the cardholder is an existing ICICI’s customer with the internet banking access to your account, you can link your new credit card to the account and use the same account to generate a new PIN for your credit card.

If in case, you are a new customer, then you can create an internet banking account using the ICICI credit card details.

After you secure internet banking access for your credit card, follow the below-mentioned instructions to generate the PIN.

  • First, log in to the ICICI net banking account.
  • Now click on the ‘My Accounts’ option.
  • Proceed further and select ‘Credit cards’
  • Click on ‘Generate Credit Card PIN Online’
  • Now, the ICICI Bank will send an OTP to your registered mobile number.
  • Now enter the OTP and click on the ‘Continue’ option.
  • Enter the 4 – digit credit card PIN of your choice.
  • Again re-enter the PIN and click on the ‘Submit’ button.

The ICICI Bank will send a notification stating the successful change of PIN for your respective credit card.

ICICI Bank Credit Card Coral

The ICICI Bank Credit Coral Card has unique qualities and is powered by most of the exclusive lifestyle privileges designed specifically after taking into consideration the latest trends of credit card users. 

The ICICI Bank Credit Card Coral has Coral American Express, Coral Master/Visa Card and Coral Contactless Card. 

Benefits of ICICI Bank Credit Card Coral

  • Enjoy a host of benefits which ranges from travel, shopping, dining and entertainment around the year with this card. 
  • Get complimentary access to select airport lounges in India.
  • Get complimentary domestic railway lounge visit per every quarter. 
  • Earn reward points on online spends. 
  • Save on dining bills at over 2500 + selected restaurants across the country through the Culinary Treats Programme

Eligibility Required for ICICI Bank Coral Credit Card

Go through the below-listed eligibility to apply for ICICI Bank Coral Credit Card

  • The primary cardholder must have a minimum age of 23 years or more
  • The add-on cardholder must have a minimum age of 18 years or above
  • The applicant must provide it's own Permanent Account Number along with proof of identity and proof of address.
  • The primary cardholder must have a minimum income of Rs 5 lakh per annum

Process to apply for ICICI Bank Coral Credit Card

Follow the below-listed steps to apply for ICICI Bank Coral Credit Card

  • Visit the official site of ICICI Bank and click on 'Credit Card' under the drop-down list of 'Products'
  • Now click on the image of 'ICICI Bank Coral Credit Card' and then click on 'APPLY NOW' option
  • Now fill all the required details, i.e Name, Mobile Number, Date of Birth, Address, Email ID, Occupation and accept the declaration.
  • Now click on 'GET OFFERS' and go through the further on-screen instructions.

ICICI Credit Card Banking

It is the platform where you can manage your credit card in easy and smart way. Make your day to day needs more convenient and secure. Get notified for your credit card dues and pay instantly. Get 24x7 customer support for your credit card issues or complaints. Manage your reward points and redeem them, no matter where you are.

So what are you waiting for?

Scroll down and know all the benefits of ICICI Credit Card Banking Services

Benefits of ICICI Credit Card Banking

  • Track all your transactions in one platform
  • Get access to your account 24x7
  • Manage and view cash and credit limits, billed and unbilled transactions, due dates, reward points
  • Get unique and convenient services such as pay bills, register a new card, hotlist lost card, register for autopay, change ATM PIN, request email statement, etc
  • Get unique features such as Cash on Call and Dial an EMI
  • Increase your credit card limit and upgrade your card
  • Pay all your dues or transfer money through NEFT, RTGS or IMPS
  • Pay utility bills or recharge your mobile through easy Billpay service
  • Shop online for fashion, food, travel and entertainment without cash or Debit / Credit Card with EazyPay

Types of ICICI Credit Card Banking

  • Internet Banking
  • Mobile Banking
  • Insta Banking
  • ATM Banking

How to Register for ICICI Credit Card Banking?

  • Go to the official webportal of ICICI Credit Card
  • Click on New User, which is located on the right bar of the page.
  • On the next page, click on I want my User Id
  • Click on Proceed and enter your credit card details
  • Click on Go and authorize your transaction
  • Now you will get your User Id on your registered mobile number
  • On the next page, click on Generate Now
  • On the next page of Generate Password Online, click on Click here to Proceed
  • Provide your registered email id and mobile number to generate OTP.
  • Enter the OTP on the required box and click on Proceed.
  • On the next page, congratulations message will appear.

ICICI Credit Card NET Banking

Online banking is an easy way to do banking in the privacy of your home or workplace. Avoid queue or pause, and use the quick and safe Internet banking service for unparalleled online banking functionality provided by ICICI Bank. Online Banking provides more than 300 tools and facilities that allow you real-time exposure to your account. You can send and receive payments to ICICI Bank Accounts and Non-ICICI Bank Accounts, open Fixed and Recurring Deposits, view account data, request a cheque book and many more when you're active in net banking services. Presenting different functionality on the dashboard allows the life smoother and more comfortable.

View your account, my shortcuts, assets, liabilities, loans, credit cards, calendar, partnership manager, savings, etc. on the ICICI Net Banking dashboard. Internet Banking provides you with the simplicity and flexibility of banking in an environment that you are most confident with. You can check balances and transactions, transfer money, pay expenses create fixed and recurring deposits, and more. With Online Banking, you can pay your bills without needing to stand in line for hours. Choose any payment method, manage your billers, and even choose quick pay. Now, schedule your bill pay reminders and never fail to pay on deadline.

Features of ICICI Credit Card Net Banking

As we all know ICICI Credit Card Net Banking comes with tons of online features let's know what are they:

  • You can get all your account details and information along with online payment and transfer options.
  • A drag and drop personalized dashboard is waiting for you where you can set up your homepage as you want. Along with this you can also manage and customize your profile for a better viewing experience.
  • For all customers with specific features, there's a simple and easily differentiated user interface.
  • Witness a safe and standardized transaction method without a password for a transaction. On the same tab, all authentication conditions are present which further restricts the steps rendering the verification phase fast and simple.
  • Make your all transactions more secure as you are secured with the enhanced security, as an extra added feature you can set your own transaction limit and more. This will give you a convenient and comfortable way of transaction.
  • No matter it's your credit card bill or other service bills like gas bill, mobile bill, internet bill and others, you can pay all the dues by your online banking account on your credit card. You can pick from all of ICICI's net banking facility's bill payment methods, like managing billers and instant pay option, which will enable you to add all your billers in an easy method, schedule payment alerts, and enroll for auto-debit service.

Payments Using ICICI Net Banking

If you're shopping online, making travel plans, renewing insurance policies, making an investment, or paying the bills online, use ICICI Bank Internet Banking through ICICI website or application to experience trouble-free, convenient payments. Below listed are the types of payments you can do through ICICI Net Banking

  • Online Shopping
  • Paying Credit Card Bills
  • Investing on Mutual Funds
  • Paying landline bills
  • Mobile Recharge
  • Paying Insurance Premiums
  • Booking travel tickets online
  • Paying School Fees
  • Tax Payments
  • Booking movie tickets
  • Online Grocery Shopping

Process to pay via ICICI Net Banking 

Below listed are the process to make payment using ICICI Net Banking.

  • Go to the ICICI Net Banking page and select Internet Banking as the payment option.
  • Now proceed further to ICICI Internet Banking and enter your Net Banking ID and Password for login.
  • Or else you can also enter your mobile number to login via OTP.
  • Now enter your debit card details and confirm.
  • Once the verification is done the transaction will be completed and you will get a successful message on your registered mobile number.

Best ICICI Credit Card

ICICI Bank offers a range of credit cards that meet applicants requirements and eligibility. ICICI was the first to introduce contactless credit cards which are best suited for shopping, entertainment, travel, dining and much more. Applicants who want to pick best ICICI Credit Card from the best-listed cards that one of the best credit cards by ICICI.

ICICI Credit Card Login

In today’s busy world individuals must maintain and manage the credit card. The ICICI net banking facility makes it easy and convenient for users to get all the information at the go instantly. The list of the services includes cash limit on the credit card, information related to credit, the due date of payment, enhancement of credit limit, monthly statement, latest payment methods, EMI Facility, Manage your reward points, Manage your statement and bills, Get all updates and offers on your credit card which are specially designed for you. Access all the features and get minimum interest rates on your credit card with flexible repayment option. No matter where you are just with your ICICI NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the benefits of ICICI Credit Card Login and how to use it.

Login for your ICICI Credit Card and grab the benefits

  • Get access to Billpay service
  • Make your payments online
  • Check your account details
  • Check your credit card score
  • Get access to use Internet Banking
  • Get access to Bill Consolidation
  • Get 24x7 customer service
  • Check your credit card status
  • Get access to track your lost or stolen credit card
  • Make your mobile or DTH recharge
  • Get access to credit card visa transfer feature
  • Manage your scheduled bills
  • You can check your bill payment history.
  • You can add new billers according to their location
  • You can view/download your credit card statement
  • Make enquiry of your transaction status
  • Get access to see your transaction limits and charges
  • Get notification about your next credit card payment date.
  • Applicants can make a secure login with face and touch id.
  • View and manage your reward points
  • Get all personalized alerts and reminders
  • Download PDF statement of your last 6 months spending history
  • Get notified on purchase and spends
  • View your recent transactions 24x7
  • Stay updated with your reward points balance
  • Now just tap on an eligible transaction on your statement for the option to use your Membership Rewards points to pay
  • Get to know about your nearest Airport Lounge instantly
  • Personalize notifications for purchases, weekly balance, credit limit and more
  • Go paperless and enjoy the download of PDF statements of all your transactions
  • Easily change your ATM PIN
  • Get access to special services like Cash on call, Dial on EMI
  • Get 100% online security on your card
  • Get access to credit card hotlisting
  • Manage your international travel details
  • Apply for a loan instantly
  • Increase your credit limit and also upgrade your credit card.

How to Login

For existing user

  • Go to the official site of ICICI Credit Card.
  • Click on Login, which is located on the top bar of the page
  • Enter your User Id and Password
  • Click on Login and explore

For New User

  • Go to the official site of ICICI Credit Card
  • Click on New User, which is located in the top bar of the page.
  • Now click on I want mu User Id, to generate your user Id.
  • After your User Id is generated, click on I want my Password to generate your password
  • Provide your registered email id and mobile number to generate OTP.
  • Enter the OTP on the required box and click on Proceed.
  • On the next page, congratulations message will appear.
  • Now click on Login, enter your User Id and Password and explore

ICICI Credit Card Tracking

Applicants who have applied for ICICI Credit Card can check the application status of their credit card through below given process

Details Required to Check ICICI Credit Card Status

  • Application Number
  • Registered Mobile Number
  • Date of Birth as per Aadhar Card
  • OTP which is generated after completing the process

Online Process to Check ICICI Credit Card Status

The applicant can track the status of their credit card either via Application Number or Date of Birth

Track ICICI Credit Card Status via Application Number

  • Visit the site loan.icicibank.com
  • Click on TRACK MY APPLICATION, which is located on the right side of the page
  • Enter your registered mobile number and application number
  • Enter your Date of Birth as per your Aadhar Card and click on Continue
  • On the next page, you can see the status of your credit card

Track ICICI Credit Card Status via Date of Birth

  • Visit the site loan.icicibank.com
  • Click on TRACK MY APPLICATION, which is located on the right side of the page
  • Enter your registered mobile number and date of birth as per your Aadhar Card
  • Enter the OTP which you will receive within 5 minutes
  • Click on continue and you will be redirected to the next page where you can see the status of your credit card

Offline Process to Check ICICI Credit Card Status

Apart from the online process applicants can also go through offline process to check their credit card status. Below given process is to track ICICI Credit Card status via offline

  • Call on the tollfree number:1800 102 4242, this number is available between 9 am to 6 pm from Monday to Friday
  • Apart from this, applicant can also go to the nearest ICICI Bank with the application number to check the status of their applied credit card

Status Details of ICICI Credit Card

  • In-progress: When the application is still in process, you will get the status as ‘In progress’.
  • On-hold: You will receive ‘On-hold’ status if you have submitted any incomplete documentation or details.
  • Approved: You will find the ‘Approved’ status, once your application has been approved. You will receive your card to the address mentioned in the application form.
  • Dispatched: Once your card is dispatched, Dispatched status show on the screen. It will take 2-3 business days to deliver your card at your doorstep.
  • Disapproved: A ‘Disapproved’ status displayed when your application has been rejected. This happens when you cannot meet the eligibility criteria of the credit card.
  • No records found: If you enter any incorrect details, the screen will display ‘No records found’ status. Re-enter the correct details to get the status complete status.

ICICI Credit Card Loan

The users of ICICI Credit Card can apply for a personal loan on credit card and the same is available for selected ICICI Credit Card customers based on spending patterns, transactions and payment history.Features of ICICI Credit Card Loan

Features of ICICI Credit Card Loan

  • Get a personal loan amount of up to Rs 10 lakhs
  • Minimum documentation is required.
  • Attractive interest rates
  • Get a flexible tenure of up to 60 months
  • Guarantor not required
  • Post-dated cheques are not required

Eligibility for ICICI Credit Card Loan

  • Customers who have a good track record of credit card spends can avail the loan.
  • Good payment history by the ICICI credit card holders cFeatures of ICICI Credit Card Loanan also apply.
  • The eligibility for a personal loan on credit card will be based on internal policies set by the bank and the same is subject to revision from time to time.

Modes of Fund Transfer

  • The loan amount sanctioned by the bank will be transferred to the savings account of the ICICI Bank.
  • If in case, the cardholder does not have an ICICI Bank savings account then the approved loan amount will be transferred via NEFT or Demand Draft

How to apply for ICICI Credit Card Loan

To apply for the same you can go through the below given online and offline process.

Online Process

  • Visit to ICICI Credit Card website and click on "Credit Cards"
  • Now go to the "Personal Loan on Credit Card" page and click on "Apply Now"
  • Now login to Internet Banking Account with your id and password
  • Go to the credit card section and click on "Personal Loan on Credit Card"
  • Fill all the required details and submit

Offline Process

Apart from the online process, you can also go through the offline process to apply for "Personal Loan on Credit". Follow the below-given steps for the same.

Via SMS:

SMS CASHIN WP to 5676766

Via Customer Care:

Kindly call on 1860 120 7777

Note: Transfer of funds to customer's accounts typically takes 3-4 working days. If the customer chooses for a demand draft, the same can take up to 11 working days to receive the application.

ICICI Credit Card IFSC Code

ICICI Credit Card IFSC Code is an alphanumeric 11-digit key used by NEFT to pay the pending credit card bills via online banking. Applicant can do this by adding the credit card as a beneficiary.

ICICI Credit Card IFSC Code is ICIC0000103

The first four characters ICIC reflects the bank's name and the fifth character zero is kept aside for potential use.

The last 6-digits usually signifies the division of the bank that supports the payment of credit card bills

Ideally this card is same for all credit cardholders.

Benefits of ICICI Credit Card IFSC Code

  • This code is the primary source to pay an outstanding credit card bill
  • This cold is useful for the applicants to pay bills in a convenient manner from anywhere in the world
  • This code is useful to make secure payments without any risk
  • This code is useful for those who don't have savings account with the credit card holding bank.

How to know ICICI Credit Card IFSC Code?

To know about ICICI Credit Card IFSC Code, an applicant have to go through easy and simple process. This code can be found online on various websites. An applicant can also directly contact to the bank for the same. Using correct IFSC Code is very essential in order to avoid any kind of troubles. The card will first have to be enrolled as a beneficiary to receive payment from any bank account, in order to allow ICICI Credit Card bill payment via NEFT. Apart from the account number, the 16-digit card number is used and the name as on the card is used as the name of the account holder.

Process to pay credit card bill using IFSC Code

Credit cardholders who do not have ICICI Bank saving account can pay their credit card bills through NEFT using IFSC Code. Go through the below process to make the payment complete

Log in to the ICICI Bank Netbanking with your Username and Password

Register your credit card as a beneficiary

Make the payment using NEFT to the credit card

Enter the branch details that are listed below to make your payment complete

Bank: ICICI Bank

Branch: Enter your branch name

IFSC Code: Enter the IFSC Code as per your branch

Address- Enter Address of your branch

City- Enter the name of your city of your branch

State: Enter your state name

Termination and Revocation of ICICI Card Membership

The Card Holder can opt to cancel the Card Account at any time, with or without prior notice. To stop the abuse, it is best to cut the credit card into four parts ensuring permanent destruction of the hologram and magnetic strip. By writing to "ICICI Bank Limited, ICICI Phone Banking Centre, ICICI Bank Tower, 7th floor, Survey No: 115/27, Plot No. 12 Nanakramguda, Serilingampally, Hyderabad – 500032, India, the cardmember can revoke the Card membership at any time by suggesting the complete Card number.

The termination will only take place once ICICI Bank accepts payment of all the due amounts in respect of the Card Account specified. In the case of the termination of a credit card programme or when the credit card is renewed, ICICI Bank Limited claims the right, at its sole discretion, to offer a card form that is different from the current card type owned by the cardholder. The credit limits and cash limits on any credit card at any period are, at ICICI Bank Limited's sole discretion. The application for a card shall remain valid for any replacement card made available at the time of closure / renewal. 

ICICI Credit Card Offers

Shop with your Hdfc Credit Card and get amazing deals and exclusive offers. If you are an Internet Banking or Mobile Banking user you can get offers from numerous brands and also you will get an advantage on the deals and online offers. Scroll down and get in touch with all the offers.

Anytime Fitness

  • Get 15% off on annual and half-yearly membership at Anytime Fitness
  • The offer is valid on ICICI Bank Credit Cards
  • The offer is valid till 31 January 2021


  • Get Rs 4000 off on luxury car rental by using the coupon code HYCI2J4
  • Get Rs 6000 off on luxury car rental and Hype Platinum membership (worth 1.6 lacs) after your first ride, Coupon Code- HYCI6QC
  • Offer is valid till- 31 December 2020

ZEE5 Subscription

  • With ICICI Credit Cards get 25% off on ZEE5 subscription plan
  • Offer is valid till November 30, 2020

Gaana Offer

  • Get 12 months Gaana plus subscription only at Rs 399 plus additional 3 months totally free
  • Apply Code- DISICICIGAANA15
  • Offer is valid till 30 June 2020

Taj Experience Gift Card

  • Use ICICI Credit Card and get 10% discount on Taj Experiences Gift Card or e-Gift Card
  • Use the Promo Code- ICICIBANK
  • Offer is valid till 30 June 2020

Kalki Fashion Offer

  • Get up to Rs 2500 off on online shopping at Kalki Fashion
  • Get 15% off on purchases made above INR15,000 (maximum discount of INR 2,500)
  • Coupon Code- ICKALKI15
  • Offer valid till- August 31, 2020

Quick Heal Internet Security Offer

  • Get 40% off on Quick Heal Internet Security for 1 user for 1 year on MRP and get free Quick Heal Mobile Antivirus for Android for 1 user with 1-year validity on purchase.
  • Get 40% off on Quick Heal Total Security for Android for 1 user for 1-year on MRP.
  • Get 20% off on Quick Heal Home Security with 1-year validity on MRP with extra 1-year free subscription.
  • Offer valid period- September 05, 2019 to September 04, 2020

Four Fountains De-Stress Spa Offer

  • Pay with your ICICI Credit Card at Four Fountains De-Stress Spa and get up to 20% cashback
  • Coupon Code- SPA20
  • Offer is not applicable on ICICI Bank Business, Commercial and Corporate Credit Cards.
  • Offer valid period- November 1, 2019 to October 31, 2020

Taj Offer

  • Get 10% off on Taj Experiences Gift Card or e-Gift Card using your ICICI Bank Credit Card
  • Offer valid period- Nov 15, 2019 to May 31, 2020.

Kalki Fashion

  • Get up to Rs 2,500 off on online shopping at Kalki Fashion
  • Spend a minimum of Rs 15000 to avail the offer
  • Get a maximum discount of Rs 2500
  • Promo Code- ICKALKI15
  • Offer valid till- August 31, 2020

QuickBooks Discount Offer

  • Get 40% discount on Rs 4,999 QuickBooks Online Plus’s 12-month subscription
  • Pay using ICICI Internet Banking or Credit Card to avail the offer
  • Offer is valid till- July 31, 2020

Prompt ERP Offer

  • Spent a minimum of Rs 5000 and get a cashback of 15% on transacting through the Alliance Partner’s below products/services:
  • Starter Plan - PROMPT RX
  • Enterprise Plan - PROMPT ENTERPRISE
  • Offer valid for 1 year.
  • Offer is valid till- August 31, 2020

Zoomin Offer

  • Get a 5.5" Photobook worth Rs. 299 on zoomin.com
  • Get 32% off on purchase of all products listed on Zoomin website www.zoomin.com or on mobile app
  • Get free 5.5” Softcover Photobook of 20 pages worth Rs 279
  • Get 32% off on purchase of the Alliance Partner’s products/services on Zoomin website/app.
  • Promo Code- ICICI32
  • Offer is valid till- Decemeber 31, 2020

Eros Now Offer

  • Get 40% off on the EROS Now Premium Annual Subscription Plan
  • Promo Code- ENICICI
  • Offer is valid till- August 31, 2020

QuickBooks Offer

  • Get 50% discount on Rs 8,000 QuickBooks Online Plus’s 12-month subscription.
  • Offer is valid till- July 31, 2020

SeleQtions Hotels Offer

  • Get up to 20% off on breakfast and special experience at SeleQtions Hotels using ICICI Bank Credit Card
  • Offer is valid till June 30, 2020

ICICI Credit Card Customer Care

Call on the below-given toll-free number to solve your any credit card related query.

Within India- 1860 120 7777, 1800 103 8181, 1860 120 6699

For customers calling from outside India, can give a call to +91-40-7140 3333 or +91-22-3344 6699

Apart from this, you can send an email to solve your credit card related query. Kindly send a mail to the below-given mail address:



Q: Can I use my credit card for international transactions?

A: All the credit cards issued by ICICI Bank are active for international transactions. If you are not able to use your card for international transactions, you may call the customer care from your registered mobile number to activate your credit card for international transaction purpose.

Q: How to place a request for Balance Transfer on credit card?

A: Balance Transfer facility is based on the type of credit card and also the availability of offers on your credit card. To know more information you have to call customer care from your registered mobile number.

Q: Can I change my mailing address from office to home address?

A: Yes, you can change your credit card mailing address from office address to home address by contacting customer care through e-KYC.

Q: How does the Contactless Credit Card work?

A: Contactless Credit Card has a chip and a radio frequency antenna embedded. When the Contactless Credit Card is tapped against terminal enabled for contactless payments, the card transmits payment details wirelessly, eliminating the need to insert it. Account details are communicated to the reader and then processed through the acceptance network in the usual way.

Q: Is the Contactless Credit Card more secure?

A: The ICICI Bank Contactless Card never leaves the customer’s hand when a payment is made, there is no chance for a fraudulent transaction, so he/she is always in control. This gives added security to the card.

Q: How to track my ICICI credit card status?

A: If you have applied for a credit card through a bank website then you can track the status by entering information such as your application Id, Mobile number, PAN and Date of Birth.

If you have applied for a credit card through the branch or any other channels, you can check the status of the application by visiting the respective branch.

Q: What is 3D Secure PIN in ICICI bank?

A: 3D Secure Code is a service offered by ICICI Bank in partnership with MasterCard. This service provides a way to PIN-protect your card usage on the Internet. Your 3D Secure PIN must be 6 digits in length and contain only numbers. Simply register your card and choose a 3D Secure PIN. This 3D Secure PIN will be required whenever you use your card to make Internet purchases from participating merchants.

Q: How to generate 3D secure PIN for my credit card?

A: Steps for registration of credit card for 3D Secure PIN:

1. Visit the bank website

2. Select>>> Products

3. Click on >>>Cards

4. Select>>>Credit card option

5. Click on >>>3D secure registration and OTP generation

6. Click on >>>Register for Verified by Visa / Mastercard SecureCode

7. You will get an option to create your Personal Assurance Message (PAM).

You will be asked to create a 6-digit numeric PIN. Once you enter the 6-digit numeric PIN of your choice, it becomes your 3D Secure PIN.

Q: How can I download my ICICI credit card statement?

A: You can download your credit card statement through Internet banking and iMobile app.

Internet banking:

Login to your Internet Banking Account > My Accounts > Credit Cards > Service request > Credit card statement request- E-mail > Choose the date from which date you required.

iMobile app:

Login to iMobile > Click on Select Credit Card Number> Click on Card Number > Click on More options > Select the Last/past Statement > Choose the Statement date and View/Send e-mail.

Q: To whom do the add-on credit card will be given?

A: Add-on card can be given only to immediate blood relatives of the Primary Card Holder. The bank will provide up to 4 add-on cards.

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