1. MakeMyTrip ICICI Bank Credit Card
Annual fee ₹999 · Rewards up to 6% · You keep ₹3,600* a year
The MakeMyTrip ICICI Bank Credit Card pays up to 6% back as myCash on MakeMyTrip hotels and 3% on flights, and from 10 November 2026 it charges no markup on foreign currency spends. Both a Mastercard and a RuPay card are issued, so you can also pay by UPI.
- 3% on MakeMyTrip
- 1% on other spends
2. Amazon Pay ICICI Bank Credit Card
Annual fee Free · Rewards up to 5% · You keep ₹2,880* a year
The Amazon Pay ICICI Bank Credit Card is lifetime free and gives 5% back on Amazon.in for Prime members (3% without Prime) and 1% on other spends, credited as Amazon Pay balance. It suits people who shop on Amazon often.
- 3% on Amazon
- 2% on Amazon
- 1% on other spends
3. ICICI Bank HPCL Super Saver Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹2,280* a year
The ICICI Bank HPCL Super Saver Credit Card is the higher of ICICI Bank's two HPCL cards: 4% cashback on HPCL fuel (up to ₹200 a month) plus 5% back as points on groceries, utility bills and department stores. It also adds roadside assistance and a quarterly lounge visit, which the cheaper HPCL Coral card does not have.
- 4% on HPCL pumps
- 5% on groceries
- 5% on bills and utilities
- 0.5% on other spends
4. ICICI Bank HPCL Coral Credit Card
Annual fee ₹199 · Rewards up to 2.5% · You keep ₹1,350* a year
The ICICI Bank HPCL Coral Credit Card is the low-fee HPCL card from ICICI Bank: ₹199 a year, waived on ₹50,000 of spends, with 2.5% cashback on HPCL fuel up to ₹100 a month. It suits a two-wheeler rider or small car owner who fills up for about ₹4,000 a month and wants a cheap card, not the bigger grocery and bill rewards of the HPCL Super Saver.
- 2.5% on HPCL pumps
- 0.25% on groceries
- 0.25% on bills and utilities
- 0.5% on other spends
5. ICICI Bank Emeralde Private Metal Credit Card
Annual fee ₹12,499 · Rewards up to 3%
The ICICI Bank Emeralde Private Metal Credit Card is an invite-only metal card for the bank's private banking customers, where each point is worth up to ₹1 on flight and hotel vouchers. It gives 3 points per ₹100, 12,500 bonus points every year, a 2% forex markup and unlimited lounge visits for you and add-on members.
- 3% on bills and utilities
- 3% on groceries
- 3% on other spends
6. Times Black ICICI Bank Credit Card
Annual fee ₹20,000 · Rewards up to 0.8%
The Times Black ICICI Bank Credit Card is ICICI's super-premium card made with Times Internet, with a low 1.49% forex markup on foreign spends. Most of its value comes from luxury stays, gift cards and milestone experiences claimed in the Times Black app, for a ₹20,000 fee.
- 0.8% on bills and utilities
- 0.8% on other spends
Compare these cards
| Card | Joining fee | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|---|
| MakeMyTrip ICICI Bank Credit Card | ₹999 | ₹999 | 6% | ₹3,600* |
| Amazon Pay ICICI Bank Credit Card | Free | Free | 5% | ₹2,880* |
| ICICI Bank HPCL Super Saver Credit Card | ₹500 | ₹500 | 5% | ₹2,280* |
| ICICI Bank HPCL Coral Credit Card | ₹199 | ₹199 | 2.5% | ₹1,350* |
| ICICI Bank Emeralde Private Metal Credit Card | ₹12,499 | ₹12,499 | 3% | -₹5,029* |
| Times Black ICICI Bank Credit Card | ₹20,000 | ₹20,000 | 0.8% | -₹21,008* |
How to choose a ICICI credit card
- Start with where you spend the most, then look for the card that pays on it.
- Check the limit on the top rate, and which spends earn nothing.
- See if you can reach the fee waiver with your normal spending.
- Read the age and income rules on the card page before you apply.
How we ranked these cards
We work out what each card pays on ₹30,000 a month of mixed spending, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Which ICICI credit card is the best?
It depends on how you spend. On our example spending, MakeMyTrip ICICI Bank Credit Card comes first, but your result will differ. Try the credit card finder with your own numbers.
Which ICICI credit card has the lowest annual fee?
Amazon Pay ICICI Bank Credit Card has no annual fee.
How many ICICI credit cards have you checked?
We have checked 6 so far, against ICICI Bank's own terms: Amazon Pay ICICI Bank Credit Card, ICICI Bank Emeralde Private Metal Credit Card, ICICI Bank HPCL Coral Credit Card, ICICI Bank HPCL Super Saver Credit Card, MakeMyTrip ICICI Bank Credit Card and Times Black ICICI Bank Credit Card.
Who decides if I get a ICICI credit card?
ICICI Bank alone decides approval and your credit limit, based on its own rules. Age and income rules are on each card page.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money