ICICI Bank credit cards we compare
8 ICICI cards side by side, and which one suits each kind of spend. Facts from ICICI's own pages.
8 cards · last verified 20 Oct 2026 · how we compare
All ICICI cards we compare
| Card | Fees | Base rate | UPI | Airport lounge | Good for | Apply |
|---|---|---|---|---|---|---|
| Amazon Pay ICICI Bank Credit CardRewards paid as Amazon Pay balance with no cap: 5% on Amazon.in (including flights and hotels booked on Amazon) for Prime members, 3% without Prime; 2% on bills, recharges and gift cards paid through Amazon Pay; 1% on other spends. Fuel, rent, tax, education and international spends earn nothing. | Lifetime free | 1% | No | None | Lifetime free, Online shopping and groceries, Bills and utilities, Self-employed | View on Amazon siteIssuer's site. We don't earn from this card. |
| ICICI Bank Coral RuPay Credit Card2 reward points per ₹100 on most spends, including UPI payments, and 1 point per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth. Milestone bonus of up to 10,000 points a year, plus BookMyShow and INOX movie discounts. | ₹500 joining, ₹500 a year | – | Yes | 4 domestic a year | UPI and RuPay, Movies and dining, Self-employed, Airport lounge access | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| ICICI Bank Emeralde Credit Card4 reward points per ₹100 on spends in India and abroad, and 1 per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth on this card. Buy-one-get-one BookMyShow tickets (up to ₹750 off the second, up to 4 times a month) after ₹25,000 of spend in the previous quarter, a ₹5,000 birthday voucher (Tata CLiQ on Amex, Postcard Hotels on Mastercard) and up to 4 golf rounds a month. Fuel, rent and wallet loads earn nothing. | ₹12,000 joining, ₹12,000 a year | – | No | Unlimited domestic + unlimited international | Movies and dining, Self-employed, Travel and lounges, Airport lounge access, Premium | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| ICICI Bank Emeralde Private Metal Credit Card6 reward points per ₹200 on most spends: about 3% back if you use the points for flight and hotel vouchers or select brand vouchers (₹1 a point), 1.8% on catalogue products (₹0.60 a point) or 1.2% as statement credit (₹0.40 a point). 12,500 bonus points each time the joining or annual fee is paid, EaseMyTrip flight vouchers worth ₹6,000 at ₹8 lakh of yearly spend, and buy-one-get-one BookMyShow tickets (up to ₹750 off, twice a month). Fuel, rent, government, tax and wallet payments earn nothing. | ₹12,499 joining, ₹12,499 a year | 3% | No | Unlimited domestic + unlimited international | Online shopping and groceries, Movies and dining, Bills and utilities, Travel and lounges, Airport lounge access, Premium | View on ICICI Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. |
| ICICI Bank Instant Platinum Credit CardICICI doesn't publish this card's reward rate or what its points are worth. Its card-wide terms say fuel, rent, wallet loads, cash and EMI spends earn no points, and transport spends earn points only on the first ₹10,000 a statement cycle. | Lifetime free | – | No | None | Lifetime free, Against FD | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| ICICI Bank Rubyx Credit Card2 reward points per ₹100 in India, 4 per ₹100 on international spends and 1 per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth. Welcome vouchers on paying the joining fee (Tata CLiQ ₹2,000, EaseMyTrip ₹2,000 for flights and ₹3,000 for holidays, Croma ₹1,000, ₹10,000 off an Elivaas stay of ₹50,000 or more, 3 months of EazyDiner Prime), a milestone bonus of up to 15,000 points a year, and 25% off movie tickets (up to ₹150, twice a month each on BookMyShow and INOX). | ₹3,000 joining, ₹2,000 a year | – | Yes | 8 domestic a year | UPI and RuPay, Movies and dining, Self-employed, Airport lounge access | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| ICICI Bank Sapphiro Credit Card2 reward points per ₹100 in India, 4 per ₹100 on international spends and 1 per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth. Welcome vouchers worth over ₹13,000, milestone bonus of up to 20,000 points a year, and buy-one-get-one BookMyShow tickets. | ₹6,500 joining, ₹3,500 a year | – | Yes | 16 domestic + 2 international a year | Movies and dining, Self-employed, Travel and lounges, Airport lounge access, Premium | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| Times Black ICICI Bank Credit Card2% back in reward points on spends in India and 2.5% abroad, if you use the points where ICICI values them at their best (up to ₹1 a point). Taken as statement credit a point is worth ₹0.40, so 0.8% in India and 1% abroad. Milestone rewards worth ₹10,000 each at ₹2 lakh, ₹5 lakh and ₹10 lakh of yearly spend (Klook, airport transfers or WeWork passes, Tata CLiQ Luxury) and a ₹20,000 luxury stay at ₹20 lakh. Fuel and rent earn nothing. | ₹20,000 joining, ₹20,000 a year | 2% | No | Unlimited domestic + unlimited international | Bills and utilities, Self-employed, Travel and lounges, Airport lounge access, Premium | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
Base rate is the value back on everyday spends at ICICI's published redemption value; “–” means it isn't published. Fees exclude GST. Ranking never depends on whether we earn from a card.
Which ICICI card for which spend
- Lifetime freeAmazon Pay ICICI Bank Credit CardLifetime free · #2 of 23 cards we compare · see all lifetime free cards
- Online shopping and groceriesICICI Bank Emeralde Private Metal Credit Card3% on online shopping · #8 of 23 cards we compare · see all online shopping and groceries cards
- UPI and RuPayICICI Bank Coral RuPay Credit Card₹500 joining, ₹500 a year · #28 of 30 cards we compare · see all UPI and RuPay cards
- Movies and diningICICI Bank Emeralde Private Metal Credit Card3% on dining and food delivery · #9 of 29 cards we compare · see all movies and dining cards
- Bills and utilitiesICICI Bank Emeralde Private Metal Credit Card3% on bills and utilities · #8 of 16 cards we compare · see all bills and utilities cards
- Self-employedAmazon Pay ICICI Bank Credit CardLifetime free · #1 of 32 cards we compare · see all self-employed cards
- Travel and loungesICICI Bank Emeralde Private Metal Credit Card3% on travel · #6 of 24 cards we compare · see all travel and lounges cards
- Airport lounge accessICICI Bank Emeralde Credit CardUnlimited domestic + unlimited international · #2 of 38 cards we compare · see all airport lounge access cards
- PremiumICICI Bank Emeralde Private Metal Credit Card₹12,499 joining, ₹12,499 a year · #3 of 18 cards we compare · see all premium cards
- Against FDICICI Bank Instant Platinum Credit CardLifetime free · #5 of 6 cards we compare · see all against FD cards
Self-employed?
ICICI says self-employed people can apply for Amazon Pay ICICI Bank Credit Card, ICICI Bank Coral RuPay Credit Card, ICICI Bank Emeralde Credit Card, ICICI Bank Rubyx Credit Card, ICICI Bank Sapphiro Credit Card and Times Black ICICI Bank Credit Card. Details are on each card's page and on our self-employed cards page.
Compare side by side
- Amazon Pay ICICI Bank Credit Card vs Flipkart Axis Bank Credit Card
- HDFC Bank INFINIA Credit Card Metal Edition vs ICICI Bank Emeralde Private Metal Credit Card
- HDFC Bank INFINIA Credit Card Metal Edition vs Times Black ICICI Bank Credit Card
- ICICI Bank Coral RuPay Credit Card vs ICICI Bank Rubyx Credit Card
- ICICI Bank Coral RuPay Credit Card vs SimplySAVE SBI Card
- ICICI Bank Emeralde Credit Card vs ICICI Bank Emeralde Private Metal Credit Card
- ICICI Bank Emeralde Private Metal Credit Card vs Times Black ICICI Bank Credit Card
- ICICI Bank Rubyx Credit Card vs ICICI Bank Sapphiro Credit Card
Related guides
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
Questions people ask
Which ICICI credit card is lifetime free?
Among the ICICI cards we compare: Amazon Pay ICICI Bank Credit Card and ICICI Bank Instant Platinum Credit Card. They charge no joining or annual fee in ICICI's fee schedule.
Which ICICI credit card works on UPI?
ICICI Bank Coral RuPay Credit Card, ICICI Bank Rubyx Credit Card and ICICI Bank Sapphiro Credit Card. They're RuPay cards, so they can be linked to UPI apps for merchant payments; UPI rewards are often lower than card rewards.
Which ICICI credit card gives airport lounge access?
ICICI Bank Emeralde Credit Card (Unlimited domestic + unlimited international); ICICI Bank Emeralde Private Metal Credit Card (Unlimited domestic + unlimited international); Times Black ICICI Bank Credit Card (Unlimited domestic + unlimited international); ICICI Bank Sapphiro Credit Card (16 domestic + 2 international a year); ICICI Bank Rubyx Credit Card (8 domestic a year); ICICI Bank Coral RuPay Credit Card (4 domestic a year). Most cards now need a minimum spend to unlock visits; see the lounge page for each card's condition.
What income do I need for an ICICI credit card?
The lowest published income among these cards is ₹20,000 a month for the ICICI Bank Coral RuPay Credit Card, and the highest ₹2,00,000 a month for the Times Black ICICI Bank Credit Card (salaried). ICICI decides approval on its own checks, including your credit score.
How did you check these cards?
Every fee, reward rate and eligibility rule comes from ICICI's own pages and terms, last verified 20 Oct 2026. It may not be every ICICI card. 45 of the 77 cards we compare have a partner link we may earn from; the other 32 link to the bank's own site, and we don't earn from them. Ranking never depends on what we earn.
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.