Easy Guide to Understand ICICI Credit Cards Eligibility Criteria

ICICI credit card eligibility criteria

ICICI Bank credit cards provide plenty of facilities that enable you to fulfil your professional and personal needs. These advantageous elements can be easily accessed as soon as the application of your credit card is sanctioned. However, before submitting an application you need to meet the ICICI credit card eligibility criteria set by the financial institution.

ICICI Bank Credit Card Eligibility Criteria

The eligibility criteria for ICICI credit cards differ among the type of credit card you choose. Some of the common eligibility criteria are as follows:

  • The applicant should be an Indian citizen
  • Age of the applicant should be a minimum of 18 years
  • Yearly income of the applicant should be Rs. 2.5 Lakhs per annum
  • Credit score of the applicant should be 750 or above

These eligibility criteria vary among salaried persons and self-employed individuals.

ICICI Credit Card Eligibility Criteria for Salaried Persons

Following are the eligibility criteria for salaried individuals:

  • Age of applicant should be between 21 years and 58 years
  • The minimum banking period of the applicant must be at least 6 months

ICICI Credit Card Eligibility Criteria for Self-Employed Individuals

Mentioned below are the eligibility criteria for self-employed persons:

  • The age limit of the applicant must be between 21 years and 65 years
  • Applicant needs to furnish their ITR for last 12 months while the amount of their Income Tax Returns must be Rs. 2.5 Lakhs
  • Applicant should have a bank account for at least 6 months.

You need to be careful about the factors affecting ICICI bank credit card eligibility criteria while opting for this card. 

Which Factors Affect ICICI Bank Credit Card Eligibility Criteria? 

Factors influencing ICICI Bank eligibility criteria are discussed below:

  • Age

The age of an applicant is among the key factors which signify your eligibility to opt for an ICICI Bank credit card. In general, the minimum age of an applicant must be 18 years in order to pass the ICICI credit eligibility criteria.

  • Income

Your income indicates the chances of approval or rejection of your credit card application. Having a sizeable income per month will help you meet the income eligibility parameters of an ICICI Bank credit card.

  • Work Experience

You need to be associated with a reputable organisation and must maintain a steady source of income in order to get the approval of your ICICI credit card on time.  

  • Credit Score

Another vital factor that affects your ICICI credit card eligibility is your credit score and credit history. Your credit history signifies your capacity to manage credit payments. Having a healthy credit score will show your punctuality in paying for credits.

  • Existing Relationship with Bank

Being an existing customer means access to additional advantages and this increases your chances of getting credit card approval quickly. Conversely, if you are a fresh customer, you may require having a higher income.

  • Existing Debt

Another factor responsible for affecting ICICI bank credit card eligibility is your pre-existing debts. While offering a credit card, the issuer will check whether you are having any existing debt or if it has gone beyond the standard limit. This is because it can reduce your probability of getting credit card approval.

After you successfully meet the eligibility criteria, take a look at the important documents, which you need to keep handy to avoid a last-minute rush.  

Documents Required for ICICI Bank Credit Card

Mentioned below are the vital documents you should submit while availing the ICICI Bank credit card: 

  • Identity Proof (comprises PAN card, Aadhaar card, passport)
  • Address Proof (includes Aadhaar card, electricity bill, and utility bills)
  • Income Proof (includes current salary slips, bank statements, Income Tax Returns, Form 16, etc.)

After meeting the eligibility criteria and collecting the necessary documents, you can proceed to apply for an ICICI credit card.

Steps to Apply for an ICICI Bank Credit Card Online

You can apply for an ICICI Bank credit card online by just following these easy steps as mentioned below:

Step 1: Navigate to the official website of ICICI Bank

Step 2: Go to the section of ‘Credit Cards’

Step 3: Compare multiple available credit card options.

Step 4: Choose your desired card from the range of ICICI Bank credit cards available there.

Step 5: Enter your details to determine your eligibility.

Step 6: Upload the necessary documents accordingly 

Step 7: Select the option ‘Apply Now’.

Upon completing all these steps, your ICICI credit card application will be submitted successfully. After this, the financial institution will verify your documents and if you are worthy of owning their credit card, it will be approved within 21 working days.   

How to Call the ICICI Customer Care for Credit Card Queries?

ICICI Bank provides reliable customer service regarding technology, complaints, grievances, etc. You can directly call the ICICI credit card customer care number at 1860 120 7777 (toll-free) for 24 hours if you want to ask anything or place a complaint.

Having a comprehensive idea about ICICI credit card eligibility criteria alongside its necessary documents, application procedure, and customer care details will help you avail this credit card with minimum effort. However, keep in mind that terms and conditions vary from one credit card to another. So, check them thoroughly before finalising your choice.

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