Updated October 17, 2026 · SumCue Editorial Team
ICICI Bank Credit Cards vs Upgrade OneCard™
ICICI Bank Credit Cards
Higher score in this comparison
Upgrade OneCard™
What sets them apart
| Compare | ICICI Bank Credit CardsReviewVisitVisit | Upgrade OneCard™ReviewVisitVisit |
|---|---|---|
| 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) |
| APR | 9.99% to 16.5% | Not confirmed |
| Credit needed | Good | Not 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 9.0.
- Currency conversion fee is lower at Upgrade OneCard™: 3% 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 Upgrade OneCard™ offers Visa Zero Liability protection, Travel and Emergency Assistance Services, Roadside Dispatch.
- Support channels: only ICICI Bank Credit Cards offers Chat.
- Pricing model: only ICICI Bank Credit Cards offers Fixed rate.
- Pricing model: only Upgrade OneCard™ offers No annual fee.
- Features: only ICICI Bank Credit Cards offers Same day funding.
- Features: only Upgrade OneCard™ offers Rewards.
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 OneCard™
Upgrade says applying does not affect a credit score, but approval triggers a hard inquiry that may affect it.
Score breakdown
| Area | ICICI Bank Credit Cards | Upgrade OneCard™ |
|---|---|---|
| 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. | 8.8HigherAn annual fee of $0 on the credit card and a monthly fee of $0 on the checking account, against 3% for currency conversion. |
| Offer | 9.4 | 9.4 |
| Trust | 9.4 | Not confirmed |
Availability and regulation
| Country | ICICI Bank Credit Cards | Upgrade OneCard™ |
|---|---|---|
| United States | Not confirmed | NMLS 1548935 |
Additional countries for ICICI Bank Credit Cards: 1. Additional countries for Upgrade OneCard™: 1.
Where they rank in our lists
| Ranking | ICICI Bank Credit Cards | Upgrade OneCard™ |
|---|---|---|
| Credit and debit cards | 27 of 1594 | 39 of 1594 |
| Credit cards | 10 of 421 | 14 of 421 |
Spending 1,000 abroad
ICICI Bank Credit Cards
35
3.5% of 1,000
Upgrade OneCard™
30
3% of 1,000
Upgrade OneCard™ comes out 5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What we checked
ICICI Bank Credit Cards
- icici.bank.in: 14 facts, checked September 26, 2026
Upgrade OneCard™
- upgrade.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | ICICI Bank Credit Cards | Upgrade OneCard™ |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Same day funding | Rewards |
| 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 |
Debit cards
| Fact | ICICI Bank Credit Cards | Upgrade OneCard™ |
|---|---|---|
| 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 OneCard™ | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%below the median | Not confirmed | 11.635 |
| Currency conversion fee | 3.5%highest quarter | 3%highest quarter | 1% |
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.
Upgrade OneCard™
Pros
- Age, location and repayment-capacity requirements are specified
Cons
- Approval triggers a hard inquiry that may affect the applicant’s credit score
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 OneCard™
Who it suits
- US applicants checking OneCard’s age, residency, credit inquiry and repayment criteria.
Who should look elsewhere
- Customers who want high advantages concentrated in one spending area.
- People who want extra travel benefits or premium card features.
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 OneCard™ |
|---|---|---|
| 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 OneCard™
What sets this card apart from other everyday cards?+
Many everyday cards change how they treat spending by rotating categories or adding tiers that shift from month to month. This product keeps the approach level, so general purchases follow one consistent pattern. That steadiness is its main appeal, although people who want stronger advantages in particular areas may prefer other cards for their habits.
Can the card be used in place of a debit card?+
The product combines several functions, including a debit card element alongside credit and borrowing features. Holders who prefer a debit style of spending can use that function for day to day payments. Anyone who plans to rely on it that way should check how each function is set up before committing to the arrangement.
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