What is credit card eligibility for ICICI bank?

Credit Cards ICICI
,
1

I am thinking to apply for ICICI bank credit card, so wanted to know am I eligible for the same?
I am 22 years old with an annual income of ₹24 lakhs. I would like to know which ICICI Bank credit cards I am eligible for?

3 Likes
2

There are mainly two cards of ICICI bank for people earning 24LPA-

  • Sapphiro Credit Card-
    Joining fee- Rs. 6,500
    Annual fee- Rs. 3,500
    Interest Rate or ICICI Sapphiro Credit Card International Transaction Charges- 40.80%.
    Late payment charges-
  • Nil for amounts less than Rs. 100.
  • Between 100 and 500 rupees: Rs. 100.
  • Rs. 500 for amounts ranging from Rs. 501 to Rs. 5,000.
  • Rs. 750 for amounts ranging from Rs. 5,001 to Rs. 10,000.
  • Rs. 900 for amounts ranging from Rs. 10,000 to Rs. 25,000.
  • Rs. 1,000 for amounts ranging from Rs. 25,001 to Rs. 50,000.
  • Rs. 1,200 for amounts greater than Rs. 50,000.

Rewards and benefits-

  • 4,000 reward points on reaching Rs. 4 lakh annual spends
  • 2,000 reward points for every additional Rs. 1 lakh spent after reaching Rs. 4 lakh annual spends
  • 2 complimentary visits per year
  • 4 complimentary visits per quarter on reaching Rs. 75,000 quarterly spends
  • Card annual fee is waived on spending at least Rs. 6 lakh in a year.
    Minimum Income required- monthly income of ₹80,000 for salaried individuals and ₹83,333 for self-employed individuals.

Expressions Credit Card-

  1. Joining Fee: Rs.499 plus GST
  2. Renewal Fee: Rs.499 plus GST
  3. Interest Rate- 40.80%
  4. Late Payment Charges- A maximum of Rs.750
  • Rewards-
  • You get 3 reward points for every ₹100 you spend (except on fuel).
  • If you buy at least two movie tickets, you get 25% off up to ₹100. You can use this offer only two times in a year.
  • Minimum Income required- A net annual income of Rs 2.5 lakh or more
3 Likes
3

Damn, you are doing great for yourself at 22 with ₹24 lakhs annual income.

With that kind of profile, you’re easily eligible for most ICICI Bank credit cards. Cards like Coral, Sapphiro, and even the premium-level Emeralde should be well within reach, assuming your credit score is decent. These cards come with different benefits like lounge access, reward points, lifestyle perks, and more, depending on the one you pick. Just make sure to review the features and see which one fits your spending style best.