ICICI Bank credit cards
We cover 6 ICICI Bank cards, 1 with no annual fee. Annual fees range from ₹0 to ₹3,500.
At a glance
- 6 cards are currently offered (open, invite-only or waitlisted).
- 1 with no annual fee.
- 5 include domestic airport lounge visits (check the spend conditions).
- 6 of 6 are high confidence (key figures confirmed in the issuer's own documents); the rest are partly verified.
- For a metro salaried spending profile (₹60,000 a month) the top open ICICI Bank cards by net yearly value are Amazon Pay ICICI Bank Credit Card, MakeMyTrip ICICI Bank Credit Card, HPCL Super Saver ICICI Bank Credit Card.
All ICICI Bank cards, ranked
Ranked by estimated net yearly value for a metro salaried profile (₹60,000 a month across typical categories; assumptions on the methodology page). Your spending mix will change the order; the calculator uses your own numbers.
| Card | Annual fee | Net a year | Headline rate | Status | Data |
|---|---|---|---|---|---|
| Amazon Pay ICICI Bank Credit Card | ₹0 | ₹8,718 | 1% base, up to 5% on Amazon | open | Official docs |
| MakeMyTrip ICICI Bank Credit Card | ₹999 | ₹7,680 | 1% base, 3% at partners, capped | open | Official docs |
| HPCL Super Saver ICICI Bank Credit Card | ₹500 | ₹5,400 | 0.5% base, up to 5% on bills & utilities/groceries | open | Official docs |
| ICICI Bank Sapphiro Credit Card | ₹3,500 | ₹4,180 | 0.5% base, up to 1% on international (foreign currency) | open | Official docs |
| ICICI Bank Rubyx Credit Card | ₹2,000 | ₹3,930 | 0.5% base, up to 1% on international (foreign currency) | open | Official docs |
| ICICI Bank Coral Credit Card | ₹500 | ₹3,680 | 0.5% base | open | Official docs |
Which ICICI Bank card suits whom
Amazon Pay ICICI Bank Credit Card (₹0 a year)
Lifetime free, with 5% back on Amazon.in for Prime members (3% otherwise) and 1% elsewhere. Eligibility as stated: Indian resident, age 21+, salaried/self-employed, income ₹30,000/month (salaried per aggregator, official says min ₹30,000)
MakeMyTrip ICICI Bank Credit Card (₹999 a year)
Built for people who book on MakeMyTrip: myCash of 6% on hotels and 3% on flights, cabs and buses there, 1% on other domestic spends, and no myCash on international spends outside MakeMyTrip from 10 November 2026. Eligibility as stated: Indian citizen over 21; salaried with monthly income ₹20,000 or self-employed with annual income ₹2.4 lakh.
HPCL Super Saver ICICI Bank Credit Card (₹500 a year)
For HPCL pump users on a small budget: 4% cashback at HPCL pumps capped at ₹200 a month (reached at ₹5,000 of fuel), plus 20 points per ₹100 on groceries and utilities that share a 400-point monthly cap, which at ₹0.25 a point is only about ₹100 a month. Eligibility as stated: Indian citizen over 21; salaried ₹20,000/month or self-employed ₹2.4 lakh/yr (official)
ICICI Bank Sapphiro Credit Card (₹3,500 a year)
A mid-premium card (₹3,500 annual, ₹6,500 joining; the annual fee is waived at ₹6 lakh) with 2 points per ₹100 domestically and 4 on international spend, four domestic lounge visits a quarter if you spent ₹75,000 in the previous quarter, a 4,000-point milestone at ₹4 lakh, and welcome vouchers ICICI values at over ₹13,000. Eligibility as stated: Indian citizen over 21; salaried ₹75,000/month or self-employed ₹9 lakh/yr (official)
ICICI Bank Rubyx Credit Card (₹2,000 a year)
A mid-premium ICICI card with a ₹3,000 joining fee and ₹2,000 annual fee, the annual fee waived for the next year above ₹3 lakh of spend.
ICICI Bank Coral Credit Card (₹500 a year)
A low-fee ICICI card (₹500, waived at ₹1.5 lakh) that pays 2 points per ₹100 on most spends and gives one domestic lounge visit a quarter if you spent ₹75,000 in the previous quarter. Eligibility as stated: Indian citizen over 21; salaried ₹20,000/month or self-employed ₹2.4 lakh/yr (official)
What these cards share, and where they differ
ICICI's cards split by price: Coral and HPCL Super Saver are entry cards with a ₹500 fee, MakeMyTrip is a travel co-brand, Rubyx and Sapphiro are premium cards, and Amazon Pay is a lifetime-free cashback card whose 5% applies only on Amazon with Prime (3% without). Lounge access on the paid cards is gated by spend in the preceding quarter: ₹75,000 on Coral, Rubyx, Sapphiro and MakeMyTrip, for one to four domestic visits a quarter depending on the card.
Terms shared across the range, from ICICI's notices and the Amazon Pay card's MITC (last updated 10 July 2026; ICICI's general MITC PDF could not be read): rewards on transport spends are capped at ₹20,000 a month on Rubyx and Sapphiro and ₹10,000 on Coral and HPCL from 1 February 2026, rent attracts a 1% fee, finance charges are 3.75% a month, and late payment fees run in bands up to ₹1,300. Points are valid for 36 months and redeeming them costs ₹99 plus GST at the general rewards scheme. See late fees and interest compared.