Updated September 28, 2026 · SumCue Editorial Team
ICICI Bank Credit Cards vs Upgrade
ICICI Bank Credit Cards
Upgrade
Higher score in this comparison
Where ICICI Bank Credit Cards and Upgrade differ
| Compare | ICICI Bank Credit CardsReviewVisitVisit | UpgradeReviewVisitVisit |
|---|---|---|
| APR | 9.99% to 16.5% | 7.74% to 35.99%Lower |
| Loan amount | ₹50,000 to ₹5,000,000 | $1,000 to $50,000 |
| Term | 12 to 72 months | 24 to 84 monthsHigher |
| Arrangement fee | Up to 2% of loan amount plus taxes (Personal Loan processing charge) | 1.85%-9.99% one-time origination fee, deducted from loan proceeds |
| Credit check | Hard | Soft prequal |
| Funding time | Instant disbursement | Within 1 business day of clearing verifications |
| Free early repayment | No | YesHas it |
| Eligibility | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees | Be a U.S. citizen, a permanent resident, or living in the U.S. on a valid visa; be at least 18 years old (or older where the majority age is higher); provide verifiable bank account information and a valid email address |
| Origination fee (%) | 2% | 1.85% to 9.99%Lower |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, Secured, CarCovers more |
| Representative example | Not confirmed | $10,000 unsecured personal loan, 36-month term, 17.59% APR including 13.94% yearly interest rate and 5% one-time origination fee; $9,500 received, $341.48 monthly payment, $12,293.46 total |
| Credit needed | Good | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- Upgrade scores higher overall: 9.2 vs 9.1.
- APR is lower at Upgrade: 7.74% to 35.99% vs 9.99% to 16.5%.
- Free early repayment: only Upgrade.
- Origination fee (%) is lower at Upgrade: 1.85% to 9.99% vs 2%.
- Term is higher at Upgrade: 24 to 84 months vs 12 to 72 months.
- Support channels: only ICICI Bank Credit Cards offers Chat.
- Features: only Upgrade offers Credit line.
- Loan types: only Upgrade offers Secured, Car.
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.
Upgrade
Upgrade suits US borrowers who want a direct lender with fixed rate personal loans, a credit line and quick access to money, and the fee is taken from the proceeds before you see it. It scores 6.4 on offer, and the arrangement fee runs 1.85% to 9.99% on top of the rate.
Score breakdown
| Area | ICICI Bank Credit Cards | Upgrade |
|---|---|---|
| Cost | 8.6Loan interest of 9.99% to 16.5%, an arrangement fee of 2% plus taxes, and a card annual fee of INR 3,500. | 9.0Higher |
| Offer | 9.4 | 9.4Direct lender with loans of $1,000 to $50,000 over 24 to 84 at 7.74% to 35.99%, plus same day funding and a credit line. |
| Trust | 9.4 | 9.4 |
A third option
Prestamiau ES has apr at 0% to 36%, against 9.99% to 16.5% for ICICI Bank Credit Cards and 7.74% to 35.99% for Upgrade.
Prestamiau ES reviewWhere these facts come from
ICICI Bank Credit Cards
- icici.bank.in: 20 facts, checked September 26, 2026
Upgrade
- upgrade.com: 19 facts, checked September 26, 2026
How they place
| Ranking | ICICI Bank Credit Cards | Upgrade |
|---|---|---|
| Loans | 98 of 2043 | 94 of 2043 |
| Personal loans | 83 of 1317 | 80 of 1317 |
| Credit and debit cards | 27 of 1594 | 26 of 1594 |
| Credit cards | 10 of 421 | 9 of 421 |
Every fact side by side
| Fact | ICICI Bank Credit Cards | Upgrade |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | ICICI Bank Limited | Upgrade, Inc. |
| Headquarters | India | United States |
| Founded | 1994 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Credit cards
| Fact | ICICI Bank Credit Cards | Upgrade |
|---|---|---|
| Annual fee | ₹3,500 | $0 |
| Currency conversion fee | 3.5% | 3%Lower |
| Rewards type | Points | Cashback |
| 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 | 3% cash back on gas, groceries, streaming and monthly subscriptions, and utilities; 1% on everything else, uncapped |
| 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 | Visa Zero Liability protection, Travel and Emergency Assistance Services, Roadside Dispatch, Upgrade Shopping offers, Rewards do not expire, 24/7 fraud monitoring and real time alerts, Flexible payment options Pay Now, Pay in 4, Pay Over Time (coming soon) |
| Card kind | Credit | Credit |
Debit cards
| Fact | ICICI Bank Credit Cards | Upgrade |
|---|---|---|
| Monthly fee | Not confirmed | $0 |
| Free ATM withdrawals | Not confirmed | $0 |
| Card type | Not confirmed | Debit |
| Cashback rate | Not confirmed | 2% |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | ICICI Bank Credit Cards | Upgrade | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%at the median | 7.74% to 35.99%below the median | 9.99 |
| Term | 12 to 72 monthsabove the median | 24 to 84 monthsabove the median | 60 |
| Origination fee (%) | 2%above the median | 1.85% to 9.99%above the median | 0% |
Median across 1096 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.
Upgrade
Pros
- Fixed rate personal loans with an APR of 7.74% to 35.99%
- Free early repayment lets you settle the balance early without a charge
- Soft prequalification, so a soft prequal credit check comes before a hard search
Cons
- The arrangement fee of 1.85% to 9.99% is deducted from loan proceeds, so the amount received is lower than the amount borrowed
- The top of the APR range is far above the site median of 15.5%
- The smallest loan is $1,000 to $50,000, which rules out small emergency amounts
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.
Upgrade
Who it suits
- US residents who want one lender for a loan and a credit line
- Borrowers consolidating debt or funding home improvement who value a fixed rate
- Adults who prefer a soft prequal credit check before committing
Who should look elsewhere
- Borrowers who would rather pay fees up front, since the arrangement fee of 1.85% to 9.99% comes out of the amount borrowed
- Anyone outside the US, as eligibility is tied to US residency and citizenship status
- Borrowers who need a very large sum, since the maximum is $1,000 to $50,000
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
Country by country
| Country | ICICI Bank Credit Cards | Upgrade |
|---|---|---|
| India | Yes | No |
| United States | No | Yes |
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.
Upgrade
What rate will I pay on an Upgrade personal loan?+
Upgrade offers fixed rate loans with an APR of 7.74% to 35.99% and terms of 24 to 84. Loans cover personal, debt consolidation, secured and car borrowing, and the model is fixed rate rather than variable, so repayments stay the same each month.
How much does an Upgrade loan cost in fees?+
An arrangement fee of 1.85% to 9.99% applies, and it is deducted from your loan proceeds rather than billed separately. That means the amount you receive is lower than the amount you borrow, so the fee and the interest rate stack up.
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