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Updated September 28, 2026 · SumCue Editorial Team

ICICI Bank Credit Cards vs Qonto

ICICI Bank Credit Cards scores 9.1 and Qonto 8.6 out of 10. Compare their differences and shared features below.
ICICI Bank Credit Cards

ICICI Bank Credit Cards

Higher score in this comparison

9.1/10
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Qonto

Qonto

8.6/10
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What sets them apart

ICICI Bank Credit Cards vs Qonto
CompareICICI Bank Credit CardsICICI Bank Credit CardsReviewVisitVisitQontoQontoReviewVisitVisit
Annual fee₹3,500€0
APR9.99% to 16.5%Lower17.5%
Currency conversion fee3.5%2%Lower
Rewards typePointsNone
PerksWelcome 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 ticketCard insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans), Apple Pay and Google Pay compatible, 24/7 support in France, 7 days a week elsewhere
Rewards rate4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spendNot confirmed
Credit neededGoodNot confirmed

Same on both: Card kind (Credit).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • ICICI Bank Credit Cards scores higher overall: 9.1 vs 8.6.
  • Founded is lower at ICICI Bank Credit Cards: 1994 vs 2017.
  • Qonto is available in 7 more countries.
  • APR is lower at ICICI Bank Credit Cards: 9.99% to 16.5% vs 17.5%.
  • Currency conversion fee is lower at Qonto: 2% vs 3.5%.
  • Perks: only ICICI Bank Credit Cards offers 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.
  • Perks: only Qonto offers Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
  • Pricing model: only ICICI Bank Credit Cards offers Fixed rate.
  • Pricing model: only Qonto offers No annual fee.
  • Features: only ICICI Bank Credit Cards offers Same day funding.

Our verdict on each

ICICI Bank Credit Cards

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.

Read the full ICICI Bank Credit Cards review

Qonto

Qonto suits businesses that want a low-cost Mastercard debit card with included card insurance and account remuneration. It is less suitable for frequent cash withdrawals or overseas spending, because free ATM withdrawals are €0 and currency conversion costs 2%.

Read the full Qonto review

Score breakdown

ICICI Bank Credit Cards vs Qonto
AreaICICI Bank Credit CardsQonto
Cost8.6HigherLoan interest of 9.99% to 16.5%, an arrangement fee of 2% plus taxes, and a card annual fee of INR 3,500.8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0.
Offer9.49.4
Trust9.4Higher8.4

Positions in our rankings

ICICI Bank Credit Cards vs Qonto
RankingICICI Bank Credit CardsQonto
Credit and debit cards27 of 159412 of 1594
Credit cards10 of 4213 of 421

Sources behind this comparison

ICICI Bank Credit Cards

  • icici.bank.in: 14 facts, checked September 26, 2026

Qonto

  • qonto.com: 11 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 2 facts, checked September 26, 2026

Every fact side by side

ICICI Bank Credit Cards vs Qonto
FactICICI Bank Credit CardsQonto
Pricing modelFixed rateNo annual fee
FeaturesSame day fundingMulti currency, Virtual card, Travel
AudienceNot confirmedBusiness
Legal entityICICI Bank LimitedQONTO
HeadquartersIndiaFrance
Founded1994Lower2017
Support channelsPhone, Email, Chat, Help centreChat, Phone, Email, Help centre

Savings

ICICI Bank Credit Cards vs Qonto
FactICICI Bank Credit CardsQonto
Headline rateNot confirmed1.5%
Rate typeFixedVariable
Term12 to 72 monthsNot confirmed
Minimum depositNot confirmed€0
Deposit protectionNot confirmedEU DGS up to EUR 100,000
Access termsNot confirmedInstant access to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month
Monthly feeNot confirmed€9
Account kindNot confirmedCash management

Where each stands against the rest

ICICI Bank Credit Cards vs Qonto
FactICICI Bank Credit CardsQontoMedian
APR9.99% to 16.5%below the median17.5%above the median11.635
Currency conversion fee3.5%highest quarter2%above the median1%

Median across 486 listed providers.

Pros and cons

ICICI Bank Credit Cards

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.

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.

Qonto

Pros

  • The Mastercard debit card has an annual fee of €0.
  • Card insurance for travel, business purchases and fraud is included through Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
  • Eligible Smart and Premium plans can receive account remuneration under the terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).

Cons

  • Qonto charges a monthly fee of €9, while bunq lists a monthly fee of €0.
  • Free ATM withdrawals are €0, which may be costly for a business that regularly uses cash machines.
  • The currency conversion fee of 2% is above the site median of 1%.

Who each suits

ICICI Bank Credit Cards

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.

Qonto

Who it suits

  • Businesses that regularly use a Mastercard debit card for travel or business purchases.
  • Smart and Premium plan customers who meet the remuneration terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
  • Users who want chat, phone, email and help-centre support through chat, phone and email.

Who should look elsewhere

  • Businesses focused on low cost that may prefer bunq, whose monthly fee is €0.
  • Frequent overseas spenders who prefer Wise and want to compare its fee with Qonto's 2%.
  • Cash-heavy businesses that want free ATM withdrawals, because Qonto offers €0.

Current offers

ICICI Bank Credit Cards

Current offer

  • Bonus

    Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer

    Sapphiro Credit Card only; includes international and domestic airport lounge access

    Source, checked September 26, 2026

Qonto

Current offer

  • Free trial

    1-month free trial on all Qonto plans: 1 month free

    Shown on Basic, Smart, Premium, Essential, Business and Enterprise plan cards on the pricing page.

    Source, checked September 26, 2026

  • First period offer

    Remunerated account: 5% AER for 2 months, then 1.5% AER: 5% AER for 2 months, then 1.5% AER

    Smart and Premium plans; requires at least 5 eligible transactions per month; remunerated balance cap EUR 50,000 (Smart) or EUR 100,000 (Premium).

    Source, checked September 26, 2026

Country by country

ICICI Bank Credit Cards vs Qonto
CountryICICI Bank Credit CardsQonto
AustriaNoYes
BelgiumNoYes
FranceNoYes
GermanyNoYes
IndiaYesNo
ItalyNoYes
NetherlandsNoYes
PortugalNoYes

8 of 9 countries where either is available.

Questions about each

ICICI Bank Credit Cards

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.

Qonto

What does Qonto charge each month?+

Qonto's account fee is €9. The Mastercard debit card itself has an annual fee of €0. The card also offers a deferred debit option on Plus and X Cards at no extra cost under Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).

What does Qonto charge for currency conversion?+

Currency conversions cost 2%. This matters for business travel or purchases made outside the account's working currency. Qonto supports multi-currency features, but the conversion charge remains 2%.

Other options to compare

ICICI Bank Credit Cards

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Qonto

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