ICICI Bank offers several credit cards, some of which may be “lifetime free“ (no annual fee) depending on eligibility, promotions, or spending criteria. Below is a guide to help you navigate the process and identify eligible cards:
1. Lifetime Free ICICI Credit Cards (Check Current Offers)
While ICICI frequently updates its offerings, the following cards are often marketed as lifetime free or have fee waivers:
- ICICI Amazon Pay Credit Card:
- Co-branded with Amazon, usually free for life with no joining/annual fees.
- Best for Amazon/partner rewards.
- ICICI Bank Platinum Credit Card:
- Sometimes offered as lifetime free (confirm with the bank).
- Focused on fuel and utility bill rewards.
- ICICI Coral Credit Card:
- May be free if you meet spending criteria (e.g., ₹1 lakh/year).
Note: Terms can change, so verify fee structures during application.
2. How to Apply for a Lifetime Free ICICI Credit Card
Online Application (Fastest Method):
- Visit the ICICI Bank Credit Card Section:
ICICI Bank Credit Cards - Select a card labeled “Free for Life” or check its fee details.
- Click “Apply Now” and fill in your personal, employment, and income details.
- Upload documents (PAN, Aadhaar, income proof).
- Complete video KYC.
Pre-Approved Offers:
- Existing ICICI customers may get pre-approved lifetime free card offers via:
- iMobile app
- Net Banking
- Email/SMS
Third-Party Platforms:
- Check platforms like Paisabazaar or BankBazaar for exclusive lifetime free deals.
3. Eligibility Criteria
- Age: 21–60 years
- Minimum income: ₹2.5–3 lakh/year (varies by card)
- Credit score: 750+ (CIBIL) for higher approval chances.
4. Tips to Ensure Lifetime Free Status
- Confirm with customer care if the card has no annual fees (even if advertised).
- Use pre-approved offers (often fee-waived).
- Opt for cards tied to spending milestones (e.g., annual fee reversed on spending ₹1 lakh).
5. Customer Care
For queries, contact ICICI:
- Toll-Free: 1800 1080 / 1800 1025
- Email:
customercare@icicibank.com
Always double-check terms and conditions, as banks may revise fees or eligibility. If unsure, request written confirmation of the “lifetime free” status during application.
