The factors governing ICICI Credit card eligibility:

• The applicant must be over 23 years of age.
• The applicant's income should be ₹30k and above.
• A job stability of 12 months or more is required.
• ICICI Bank account holders with a salary of ₹25k are eligible to apply.
• The CIBIL score should be 720 points and above.
• Applicants with no credit history should be employed in a Listed company.

Axis Bank offers its esteemed customers the choice and freedom to conduct their Personal Loans at their convenience by repaying a part of the complete loan amount after 6 EMI, whenever surplus funds are available. No other loan provider offers this scheme.

An ICICI Bank credit card can be swiped at merchant outlets for shopping, dining, hotel and Air ticket purchases, and utility bill payments. It can also be used in emergencies and to pay hospital bills. A credit card also has a cash withdrawal facility.

A credit card's billing cycle is 30 days or a month: for example, the statement generated will display all expenses made on your credit card from, say, January 1st to the 30th of the month.

The credit-free period of a credit card is the number of days a customer can use the credit facility for the limit the card issuer allows. ICICI Bank permits a credit-free period of up to 48 days. The customer is given a grace period of 18 days to pay as per the monthly statement.

The credit card statement reflects the due date on which the payment must be credited to the issuer's account. For example, the due date for a billing cycle of 1st to 30th January will be the 18th of February. It is advisable to make the payment within a few days, although with the digital payment facility, a customer can pay online to ensure immediate credit.

If an applicant cannot pay the total amount, paying 5% of the dues is mandatory. The balance can be carried forward until next month. Interest is charged on the unpaid amount as per ICICI Bank's policy.

A minimum charge for the card issue is applicable if the card issued is not used for three months.

With the digitalisation of banking and KYC processes, an ICICI Bank credit card application is now processed online.

The ICICI Bank credit card is issued free of cost, provided the user fulfils the mandatory usage terms.

The credit card limit is fixed according to the applicant's income and CIBIL Score.

ICICI Bank offers a wide range of speciality credit cards to fulfil specific requirements. It has partnered with leading merchant outlets and offers cardholders special discounts, including cashback and discounts on fuel and travel bookings.

For the dues carried over to the next month, an interest of 3% is charged monthly.

The ICICI Bank Platinum card is a premier credit card offered to customers with an elite profile who earn a high income and have a good credit score and history.

ICICI Bank customers holding a Fixed deposit of 50,000/—and above are eligible for an ICICI Bank platinum credit card.

The ICICI Bank credit cards have a cash withdrawal facility of 40% of the card limit. Therefore, if your card has a limit of ₹ 1lakhs, you can draw ₹40000/- cash from an ATM.

ICICI Bank allows the primary cardholder to apply for an add-on card in the name of a blood relative. The primary cardholder is responsible for paying for all usage done on the additional card.

An applicant can hold as many credit cards as can be successfully managed, although non-usage of a credit card will attract charges and closure of the facility.