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ICICI Bank Credit Cards review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ICICI Bank offers a personal loan of INR 50,000 to INR 5,000,000 alongside a points credit card with lounge and fuel perks, suiting Indian salaried borrowers who want one bank for loans and spending. Costs weigh it down, since the loan fee and card charges stack on the interest.

Key facts

Best for
Indian salaried borrowers who also want a rewards credit card from the same bank.
APR
9.99% to 16.5%↗
Loan amount
₹50,000 to ₹5,000,000↗
Term
12 to 72 months↗
Arrangement fee
Up to 2% of loan amount plus taxes (Personal Loan processing charge)↗
Credit check
Hard↗
Funding time
Instant disbursement↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees↗
Origination fee (%)
2%↗
Loan types
Personal, Debt-consolidation↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
ICICI Bank Limited↗
Headquarters
India↗
Founded
1994↗
Support channels
Phone, Email, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
icicibank.com

Credit cards

Annual fee
₹3,500↗
Currency conversion fee
3.5%↗
Rewards type
Points↗
Rewards rate
4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend↗
Perks
Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month, 24/7 concierge service (i-Assist), Air accident insurance cover up to INR 3 crore, 1% fuel surcharge waiver on fuel transactions up to INR 4,000, BookMyShow movie offers, up to INR 500 off the second ticket↗
Card kind
Credit↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Personal loans from INR 50,000 to INR 5,000,000 over 12 to 72, priced on a fixed-rate basis.
  • Money moves fast: same day funding and Instant disbursement for approved loans.
  • A direct lender offering personal and debt consolidation loans, so the bank sets the terms itself.
  • The card bundles lounge visits, golf rounds, a fuel surcharge waiver and points rewards.

Cons

  • Free early repayment is listed as no, so clearing the balance before the term ends carries a cost.
  • Card running costs add up: INR 3,500 a year plus 3.5% on currency conversion.
  • The loan applies a hard credit check and asks for good credit.
ICICI Bank Credit Cards

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Salaried Indian citizens who meet the bank's minimum age and monthly income test.
  • Borrowers consolidating debt or funding home improvement on a fixed-rate personal loan.
  • Card holders who travel and care about lounge access, concierge help and a fuel surcharge waiver.

Who should look elsewhere

  • Borrowers after euro lending: Creduma ES works from from €12,000.
  • Rate shoppers comparing lenders in other markets: Sofkredit lists 10.74% to 18.06% and Cashspace PHP 12 to PHP 36, both in different currencies.
  • Anyone wanting a card with no annual charge, since this card's fee is INR 3,500.

How ICICI Bank Credit Cards compares

Where ICICI Bank Credit Cards is available

Available
India

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a personal loan from ICICI Bank cost?+

Interest runs at 9.99% to 16.5% on a fixed-rate basis, and the arrangement fee is 2% of the loan amount plus taxes. Free early repayment is listed as no, so closing the balance before the end of 12 to 72 carries a cost.

How much can I borrow, and for how long?+

Loans run from INR 50,000 to INR 5,000,000 over 12 to 72. The site median amount for this kind of lending is €526.18 and the median term is 36, so both the ceiling and the longest term sit well above the middle of the market.

Does the credit card cost anything to hold?+

The card charges an annual fee of INR 3,500, while the site median annual fee is €0. Rewards come as points, with the most points earned on international spend and the fewest on utility and insurance spend, plus lounge and concierge perks.

Am I likely to be accepted for the loan?+

A hard credit check runs on the application, and the bank asks for good credit. Eligibility is limited to Indian citizens past a minimum age with a salaried minimum monthly income, so steady salaried earners fit the profile better than applicants with irregular income.

How quickly does the money arrive?+

Instant disbursement is the headline for approved personal loans, and same day funding sits among the listed features. As a direct lender, ICICI Bank Limited hands the money over itself, so the funds move from the decision straight to the account.

What is the card worth if I spend abroad?+

Spending outside India costs 3.5% in currency conversion, above the site median of 1%. Perks soften that, with lounge visits, golf rounds, concierge help, a fuel surcharge waiver on fuel spend and welcome vouchers from several merchants on the card.

How do I get hold of the bank?+

Support runs on phone, email and chat, so phone, email, chat and a help centre are all listed ways in. The bank names IN as its home country and has been lending since 1994 under its full legal name, ICICI Bank Limited.

What can I use the money for?+

The bank covers personal and debt consolidation loans, with home improvement listed among the uses. Debt consolidation is one route, so borrowers juggling several small balances can pull them into a single fixed-rate repayment over 12 to 72 instead of several.

Sources

  • icici.bank.in checked September 26, 2026

    Backs: Features, Funding time

    “Personal Loan - Get instant disbursement with no foreclosure charges after 24 EMIs”

  • icici.bank.in/about-us checked September 26, 2026

    Backs: Founded

    “ICICI Bank was incorporated in 1994 as a part of the ICICI group”

  • icici.bank.in/contact-us checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Registered office ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara 390007, Gujarat, India”

  • icici.bank.in/personal-banking/cards/credit-card checked September 26, 2026

    Backs: Card kind

    “However, you must repay the amount you have spent on the Card within a specified period”

  • icici.bank.in/personal-banking/cards/credit-card/sapphiro... checked September 26, 2026

    Backs: Annual fee, Currency conversion fee, Perks, Rewards rate, Rewards type

    “Sapphiro Credit Card: Joining fee- INR 6,500 + GST. Annual fee- INR 3,500 + GST (Spend over INR 6 lakh and get your Annual Fee waived off for the next year)”

  • icici.bank.in/personal-banking/loans/personal-loan checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Eligibility, Lender type, Loan types, Origination fee (%), Term, Use cases

    “ICICI Bank offers Personal Loans starting at 50,000 rupees up to 50,00,000”

  • icici.bank.in/personal-banking/loans/personal-loan/person... checked September 26, 2026

    Backs: APR, Free early repayment, Pricing model, Arrangement fee, Rate type

    “Personal Loan interest rates: Between 9.99% and 16.50% per annum”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

ICICI Bank Credit Cards

ICICI Bank Credit Cards

Indian salaried borrowers who also want a rewards credit card from the same bank.

9.1/10Visit