ICICI Bank Credit Card Apply: Online and Offline Methods

Expenses that require immediate payment, such as booking flights, ordering food online, or paying electricity and mobile bills, become much easier when we have a credit card. Another added advantage of having a credit card is earning cashback, reward points, or exclusive offers on regular spending, which adds value to routine transactions and encourages smarter use.

ICICI Bank offers a wide range of credit cards designed to suit different income levels, lifestyles, and spending patterns. If you are planning to apply for one, it is important to understand the application process, eligibility requirements, and documents needed. In this blog, you will learn how to apply for an ICICI credit card, both online and offline, along with the documents required and the eligibility criteria for the application process.

ICICI credit card eligibility

*Income requirements may vary depending on the credit card type and applicant profile.

Note: Applicants must meet certain eligibility requirements to apply for an ICICI Bank credit card. These criteria may vary by card variant. Applicants are also generally expected to have a good credit history and CIBIL score for approval.

Documents required for an ICICI credit card application

Note: Additional documents may be requested depending on the applicant’s employment profile.

How to apply ICICI Bank credit card online

1. Website

   • Start with ICICI Net Banking login using your User ID and password
   • Go to the ‘Cards and Loans’ section
   • Select ‘Credit Cards’
   • Click on the ‘Get Credit Card Now’ option
   • Select the credit card that suits your requirements
   • Review the card features, fees, and benefits
   • Select to confirm
   • Provide your consent as required and click ‘Accept’
   • Verify or update your personal and employment details
   • Accept the terms and conditions and click ‘Confirm’
   • Enter the OTP sent to your registered mobile number
   • Click on ‘Generate Card’ to apply for an ICICI Bank credit card

2. Mobile app (iMobile)

   • Download the iMobile app from the Google Play Store or App Store
   • Grant the required app permissions
   • Log in using your PIN, fingerprint, or face authentication
   • Go to the ‘Cards & Forex’ section
   • Click on ‘Avail Now’
   • Choose your preferred ICICI credit card
   • Verify your personal and professional details
   • Enter your work details and click on ‘Proceed’
   • Provide the required consent and click on ‘Accept and Generate Card’
   • Complete OTP verification and submit the application

Also Read: How to Generate ICICI Credit Card PIN

How to apply ICICI Bank credit card offline

• Visit the nearest ICICI Bank branch
• Request an ICICI credit card application form
• Select the type of credit card you wish to apply for
• Fill in your personal, employment, and income details
• Complete the KYC process by submitting the required official documents
• Attach the photocopies and sign the application form
• Review the details carefully and submit the form at the branch
• If approved, ICICI Bank will dispatch the credit card to your registered address

Also Read: How to Close ICICI Credit Card

Features and benefits of ICICI Bank credit cards

• Users can earn reward points on eligible transactions and redeem them for shopping vouchers, travel bookings, or merchandise.
• Large purchases can be converted into equated monthly instalments (EMIs) to make repayment easier.
• Customers can pay electricity, gas, mobile, and other utility bills using their credit cards.
• Eligible cardholders may request an increase in their credit limit based on usage and repayment history.
• ICICI Bank may provide pre-approved loans or EMI conversion options on credit cards, subject to eligibility.
• Cardholders may receive discounts on travel bookings, dining, shopping, and entertainment platforms.

ICICI Bank offers multiple credit card options designed for different spending patterns and income levels. Customers can easily apply for an ICICI Bank credit card online through internet banking or the iMobile Pay app, or submit an offline application at a bank branch.

Before applying, it is advisable to review the eligibility criteria, documentation requirements, fees, and benefits associated with each credit card. Understanding these aspects can help applicants choose the right card and complete the ICICI credit card application process smoothly.

Frequently asked questions

1. How long does it take to receive an ICICI Bank credit card after applying?

   Once you submit your ICICI credit card application, the processing and verification usually take some time. If the application is approved, the credit card is generally delivered to your registered address within 21 working days.

2. How to apply ICICI credit card online?

   To apply for an ICICI credit card online, visit the bank’s official website or log in to the iMobile app. Select the preferred credit card, verify your personal and employment details, provide consent, and complete the OTP verification to submit your application.

3. What should I do if my ICICI Bank credit card is lost or damaged?

   In case of loss, theft, or damage to your ICICI Bank credit card, immediately inform ICICI Bank customer care at 1800 1080 to get the card blocked. You can also use SMS banking from your registered mobile number to prevent unauthorised usage.

4. How can I track my ICICI Bank credit card application status?

   To track your ICICI Bank credit card application status, visit the official ICICI Bank website and enter your registered mobile number along with your PAN details or OTP. You may also visit a branch or call 1800 1080 for updates regarding application progress or delays.

5. How can I make an ICICI Bank credit card bill payment?

   For ICICI Bank credit card bill payment, you can use ICICI Bank internet banking, the iMobile app, or the bank’s official website. You can also make payments via net banking, UPI, debit cards, or auto-debit to ensure timely settlement of dues.