Best ICICI Credit Card – Choosing the Right ICICI Credit Card for Your Lifestyle 2024
Best ICICI Credit Card
In the dynamic landscape of credit cards, selecting the most suitable one depends on your individual preferences, spending habits, and priorities. ICICI Bank offers a diverse range of credit cards, each catering to different needs. Here, we delve into five of the best ICICI credit cards in 2024, highlighting their key features and benefits.
Table of Contents
1) ICICI Coral Credit Card
The ICICI Coral Credit Card stands out as a point-based basic credit card with a primary focus on enticing shopping offers. While its PAYBACK percentage for reward points may be comparatively low, the card boasts several noteworthy features:
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- Annual Fee: INR 500 + GST
- Reward Points: Earn 2 PAYBACK points on spending INR 100.
- Specialized Rewards: 1 PAYBACK point on spending INR 100 in utilities and insurance categories.
- Shopping Bonanza: Various shopping offers add to the card’s appeal, making it a valuable choice for avid shoppers.
2) ICICI Platinum Chip Credit Card
The ICICI Platinum Chip Credit Card is a point-based card that caters to those seeking periodic offers and shopping discounts. Key features include:
- Annual Fee: Nil
- Reward Points: Get 2 PAYBACK Points on every INR 100 spent for retail purchases.
- Versatile Earnings: 2 PAYBACK points on every INR 100 spent, except on fuel purchases.
- Utility Benefits: 1 PAYBACK point on every INR 100 spent on utilities and insurance categories.
3) Amazon Pay ICICI Credit Card
In collaboration with Amazon, this credit card is tailored for online shoppers who frequently use Amazon services. Key features include:
- Annual Fee: Nil
- Reward Points: Various cash-backs, including a 5% discount on your Amazon Pay ICICI Credit Card.
- Cash-back Rewards: 3% cash-back in the form of Amazon Pay Balance.
- Everyday Benefits: 1% Amazon Pay Balance on every purchase.
4) ICICI Bank HPCL Super Saver Credit Card
For those prioritizing fuel savings and additional benefits, the ICICI Bank HPCL Super Saver Credit Card is an excellent choice:
- Annual Fee: INR 500 + GST
- Fuel Rewards: 5% cash-back on fuel purchases from HPCL petrol pumps.
- Innovative Cash-back: 1.5% cash-back in the form of cash-points for payments through the HP Pay app.
- Grocery and Utility Rewards: 5% cash-back on grocery, departmental store purchases, and utility bill payments.
5) MakeMyTrip ICICI Bank Platinum Credit Card
Ideal for travel enthusiasts, this credit card, a result of the collaboration with MakeMyTrip, offers exclusive travel benefits:
- Annual Fee: Nil (One-time joining fee of INR 500)
- Reward Points: My Cash-Points for travel-related expenditures.
- Welcome Benefits: MakeMyTrip cash in “My Wallet” worth INR 500 and INR 3,000 worth holiday vouchers.
- Anniversary Rewards: Additional My Cash-Points on reaching specific spending milestones.
- Travel Discounts: 25% discount up to INR 100 on the purchase of a minimum of two tickets twice a month.
In conclusion, the best ICICI credit card for you depends on your lifestyle, preferences, and financial priorities. Whether you are a frequent shopper, a travel enthusiast, or someone focused on fuel savings, ICICI Bank has a credit card tailored to meet your specific needs. Evaluate the features and rewards offered by each card to make an informed decision that aligns with your financial goals.
