ICICI Bank Credit Cards (India, 2025)

? Popular Credit Cards

• Amazon Pay ICICI Credit Card: Lifetime‑free. Earn 5% cashback on Amazon for Prime users (3% for non‑Prime), 2% via Amazon Pay partners, and 1% on other spends. Fuel surcharge waiver included. :contentReference[oaicite:1]{index=1}
• Coral Credit Card: Annual fee ₹500 (waivable). Earn Payback points (2/₹100), 25% off movie tickets, 1 free lounge per quarter. :contentReference[oaicite:2]{index=2}
• Rubyx Credit Card: Fee ₹3,000 + ₹2,000 annual. Welcome vouchers, accelerated points, 2 domestic lounge entries per quarter, fuel waiver, dining and golf perks. :contentReference[oaicite:3]{index=3}
• Sapphiro Credit Card: Fee ₹6,500 + ₹3,500 annual. 4 lounge entries quarterly via DreamFolks, BOGO movie offers, wellness and travel benefits. :contentReference[oaicite:4]{index=4}
• Emeralde Credit Card: Fee ₹12,000 joining & renewal. Top-tier perks: unlimited lounge access, golf, fuel waivers, high rewards. :contentReference[oaicite:5]{index=5}

? Key Policy Updates (Effective Nov 15, 2024)

• Rewards caps introduced on utility, grocery, insurance spends (₹40k‑₹80k/month depending on card tier). :contentReference[oaicite:6]{index=6}
• 1% transaction fee on education payments via third-party apps, utility spends >₹50k/month, and fuel spends >₹10k/month. :contentReference[oaicite:7]{index=7}
• Lounge access now requires a minimum spend of ₹75,000 in the previous quarter; POS-only spend qualifies (not UPI/online). :contentReference[oaicite:8]{index=8}
• Annual fee waiver for Emeralde cards requires ₹10 lakh yearly spend (down from ₹15 lakh). :contentReference[oaicite:9]{index=9}
• Supplementary card fee set at ₹199. Late payment fees updated to tiered structure up to ₹1,300. Finance charges up to 3.75%/month (~45% p.a.). :contentReference[oaicite:10]{index=10}

? Card Comparison

✅ Which Card Suits You?

• Zero fees & simple cashback: Amazon Pay, Platinum Chip
• Regular spenders & entertainment benefits:ಹವಳ
• Lifestyle, dining & travel: Rubyx, Sapphiro
• Elite & high spend users: Emeralde

? Notes to Keep in Mind

• Lounge eligibility now strictly POS-based spends—UPI/online transactions don’t count. :contentReference[oaicite:11]{index=11}
• Meeting eligibility spends doesn’t lead to refund of fees already charged (e.g. Rubyx annual fee). :contentReference[oaicite:12]{index=12}
• Thanks to aggregated reports, policy clarity around reward caps and lounge access is crucial before choosing. :contentReference[oaicite:13]{index=13}

Apply online via the ICICI Bank website or the iMobile app.