ICICI Credit Cards: Know its features, eligibility, and benefits

ICICI bank is known for offering a long list of credit cards that cover almost every kind of diverse needs.  ICICI credit cards are designed under various categories such as shopping, sports, lifestyle, rewards, travel, etc. The aim of bringing all categories in ICICI Bank credit card is that there should be one card for everyone according to his or her needs.

To get the best ICICI credit card offers and to avoid credit card rejection, it is a must for everyone to check its eligibility and then apply for a credit card.

ICICI Credit card eligibility criteria:

• The applicant must be a resident of India

• The minimum age of the applicant must not be less than 23 years

• The salaried individual must be earning a minimum monthly salary of Rs.20,000

• Self-employed must have a minimum annual turnover of Rs.3,00,000

• The applicant must not have defaulted on payments w.r.t ongoing credits or the past ones

Required documents to apply for ICICI Credit card:

• Address proof and Identity proof

• PAN Card

• ITR or salary slips of latest 3 months

• Passport size photographs

What are the features of ICICI Credit cards which help them in maintaining strong customer loyalty?

• Auto-debit facility

• Cash advance

• Avail of discounts on golf rounds, movie tickets

• Self-set limit

Benefits associated with the ICICI Credit card are as follows:

Quick and easy access to money 

Using ICICI credit cards, one can have easy access to money at times of need. Apart from that it also reduces the qualms of money withdrawal either from the bank’s branch account or using an ATM.

Rewards

The ICICI bank has a tie-up with the leading brands be it is dinning or shopping. When anyone buys anything using ICICI credit card, they can avail of the benefits of cashback and reward points redemption.

Ease of Internet Banking

The ICICI credit card information can be obtained using the facility of Internet Banking. The user can make transactions, access information related to current and last month statements, and view payment status. It also enables the user to request 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.

 Easy Payments Option

 The ICICI Credit cardholder can also make the payment of the credit bill either through cash or using cheque or internet facilities or through the phone. It encourages the user of the credit card to increase the total number of transactions.

 The process to apply for an online Credit card via ICICI website:

• Log in to the ICICI Bank website

• Select the ‘Apply Online’ option

• From the drop-down menu, choose ‘Credit Cards’ option available under the heading of Cards

• Feed the relevant information in the fields

• Click on ‘Show Eligible Cards’ button

• Select the type of card you wish to apply for

• Click on ‘Apply’ button

• Now upload the required documents

The process to apply for an online Credit card via FinTech

• Log in to the website of FinTech or you can also download their app

• From the drop-down menu, choose Credit Cards option available under the heading of Cards

• Fill the basic details form to check your eligibility for the ICICI credit card  you are looking for

• After the verification of form filled by you and checking your eligibility,  you will get to know about the ICICI credit card offers as per your eligibility.

• Select the type of card you wish to apply for

• Click on ‘Apply’ button

• Now upload the required documents

The process to check ICICI Credit card status

To check the ICICI credit card status is very simple. You need to follow these steps:

• You are required to enter application number/ID online by logging to your ICICI account and look for the Track credit card application status.

• After clicking on the above-mentioned option, you find the same, enter your credit card ID/number along with a mobile number and click on Track Application.

• The next thing that will display on your screen is the real-time status of your credit card.

If you want to have easy access to credit, then go for ICICI Credit Card. It is one of the best credit card options for all those who are new to credit cards.