Synopsis: This article lists the best beginner-friendly ICICI Bank credit cards with low or no joining and annual fees. These cards are ideal for individuals who are new to credit cards and want to start building their credit score.
In this guide, we break down everything you need to know about the credit cards for beginners which include the top cards with features, charges, eligibility and benefits. The ICICI bank designs credit cards with zero annual fees forever, making them ideal for beginners.
ICICI Platinum Chip Credit Card
- Card type: Life-time free credit card
- Best suited for: beginners or first-time users
Fees and charges
- Joining fees: Nil
- Annual fees: Nil
- Interest rate: 3.75% interest rate per month
- Late payment fee: ranging from Rs 100 to Rs 1,300
- Forex markup: 3.5%
Reward structure
- 2 reward points for every Rs 100 spent on retail purchases.
- 1 reward point for every Rs 100 spent on utility and insurance payments.
- Reward points can be redeemed on health and beauty, travel and luggage, shopping vouchers, electronics and fashion and lifestyle.
Key benefits and perks
- Fuel benefit: 1% fuel surcharge waiver is available at HPCL petrol pumps on fuel transactions worth Rs. 400 to Rs. 4,000
- Easy EMI conversions: shop now and pay later.
- Dining benefit: Cardholders can avail discount offers offered under the ICICI Bank Culinary Treats Program at the partner restaurants.
Amazon Pay ICICI Credit Card
- Card type: co-branded lifetime free credit card
- Best suited for: beginners or first-time users
Fees and charges
- Joining fees: Nil
- Annual fees: Nil
- Interest rate: 3.75% interest rate per month
- Late payment fee: ranging from Rs 100 to Rs 1,300
- Forex markup: 1.99%
Reward structure
- 5% cashback for Amazon prime members on eligible purchases. 3% cashback for non-prime members.
- 2% cashback with the card for using partner merchant sites.
- 1% unlimited rewards on spends outside amazon.
Key benefits and perks
- Fuel benefit: 1% surcharge waiver on all fuel spent.
- Dining benefit: complimentary Eazydiner prime membership for 1 month.
- Prime membership: Rs 500 off on Amazon Prime membership.
Also Read: 5 Best Beginner Friendly Credit Cards for Rewards and Cashback (2026)
ICICI Bank Instant Platinum Credit Card
- Card type: Life-time free credit card
- Best suited for: beginners or first-time users
Key benefits and perks
- Fuel benefit: 1% surcharge waiver on all fuel spent.
- Dining benefit: complimentary Eazydiner membership for 1 month.
Fees and charges
- Joining fees: Nil
- Annual fees: Nil
- Interest rate: 3.75% interest rate per month
- Late payment fee: ranging from Rs 100 to Rs 1,300
- Forex markup: 3.5%
Reward structure
- 2 reward points for every Rs 100 spent.
- Redeem accumulated reward points on products or e-vouchers.
Key benefits and perks
- Fuel benefit: 2.5% fuel surcharge waiver is available at HPCL petrol pumps on fuel transactions up to Rs. 4,000.
- Movie benefit: 25% discount up to Rs 100 on purchases of 2 tickets minimum via BookMyShow.
Here is a tabular comparison of these credit cards.
| Card Name | Joining/ Annual Fee | Interest Rate (APR) | Late Payment Fees | Forex Markup |
| ICICI Platinum Chip Credit Card | Nil | 3.75% per month (45% annually) | Up to ₹1,300 (based on updated slabs) | 3.5% |
| Amazon Pay ICICI Credit Card | Nil | 3.50% per month (42% per annum) | Up to ₹1,300 (based on updated slabs) | 1.99% |
| ICICI Instant Platinum Credit Card | Nil | 3.50% per month (42% per annum) | Up to ₹1,300 (based on updated slabs) | 3.5% |
Who should get these cards?
These ICICI Credit Cards are designed to be beginner friendly for first-time users since they are easy to get and low on fees. The main feature of the ICICI credit card helps the users in building a strong credit score, earn basic rewards and be responsible with everyday spendings.
FAQs
The ICICI Amazon Pay Credit Card is the most popular credit card due to its high cashbacks up to 5% and zero annual fees.
The credit limit for the ICICI credit cards usually start at Rs 25,000 and can go up to Rs 2 lakhs or more. This mainly depends on your income and credit history.
Written by: Atin Kevin
