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ICICI Credit Cards Review

Compare ICICI credit cards – read our review and compare the features and benefits available from ICICI. We can help you to make an informed decision and find a card that suits you.

ICICI offers a comprehensive choice of credit cards, covering a wide variety of features and benefits across its range, helping you to find a credit card that best suits your financial needs.

Whether you're looking for a great card with long balance transfer introductory periods to move your current balances across onto one card, you want a card that focuses on 0% on purchases, or you simply want a card that has a low standard rate that stays low, ICICI Credit Cards have the perfect solution for you.

ICICI credit cards offer free fraud prevention services to cardholders, securing your sensitive data when using your card to make online purchases for both Visa and Mastercard credit cards, using Verified by Visa & MasterCard SecureCode.

Top 5 Credit Cards products

Card
Issuer
Balance Transfers
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Introductory Balance Transfer Fee of 3% is subject to a minimum charge of £3.
Rate 0% 12 months
Fee 3% (min £3)
0%
26 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Introductory Balance Transfer Fee of 3% is subject to a minimum charge of £3.
Rate 0% 12 months
Fee 3% (min £3)
0%
26 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Rate 0% 40 months
Fee 1% fee
0%
6 mths
15.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 21.7% (variable).
Rate N/A
Fee N/A
N/A
11.1%
Representative Example: Representative 11.1% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 6.9% p.a.(variable) Annual fee: £24. Your actual credit limit will depend on our credit assessment of you.
Rate N/A
Fee N/A
N/A
11.1%
Representative Example: Representative 11.1% APR (variable) based on an assumed CreditLimit of £1,200. Standard interest rate for purchases: 6.9% p.a.(variable) Annual fee: £24. Your actual credit limit will depend on our credit assessment of you.

Advice

Introductory Balance Transfer Fee of 3% is subject to a minimum charge of £3. Online account management is only available for existing Clydesdale Bank customers.

Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3% (min £3)
Purchase Rate: 0% for 26 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 11.9% p.a. (variable)
Balance Transfer Fee: 3% (min £3)
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • You are 18 years or over
  • You are a UK resident

Advice

Online account management is only available for existing Clydesdale Bank customers.

Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3% (min £3)
Purchase Rate: 0% for 26 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 11.9% p.a. (variable)
Balance Transfer Fee: 3% (min £3)
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • You are 18 years or over
  • You are a UK resident

Advice

0% foreign transactions fees when using the card abroad.

Introductory Offer
Balance Transfer Rate: 0% for 40 mths
Balance Transfer Fee: 1% fee
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 15.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 21.7% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 29.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 0.50%
Approval Criteria
  • You are at least 18 years of age;
  • You have had a permanent UK address for at least the last 3 years;
  • You do not have a history of bad credit (in other words, county court judgements or bankruptcy);
  • You have an income in excess of £7,500.
Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 11.1% p.a. (variable)
Representative Example: Representative 11.1% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 6.9% p.a.(variable) Annual fee: £24. Your actual credit limit will depend on our credit assessment of you.
Annual Rates
Balance Transfers: 6.90% p.a. (variable)
Cash Advance: 24.9% p.a. (variable)
Annual Fee: £24
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year
Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 11.1% p.a. (variable)
Representative Example: Representative 11.1% APR (variable) based on an assumed CreditLimit of £1,200. Standard interest rate for purchases: 6.9% p.a.(variable) Annual fee: £24. Your actual credit limit will depend on our credit assessment of you.
Annual Rates
Balance Transfers: 6.90% p.a. (variable)
Cash Advance: 12.9% p.a. (variable)
Annual Fee: £24
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year

Advice

Collect 0.5% unlimited cashback on all purchases in pounds sterling. Also, get commission free card purchases abroad!! No balance transfer fee applies for the first 3 months of account opening, after which time it will revert to 2.4% (Minimum £5)

Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 15.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).
Annual Rates
Balance Transfers: 15.9% p.a. (variable)
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 0.50%
Approval Criteria
  • YOU MUST HAVE A NATIONWIDE CURRENT ACCOUNT IN ORDER TO APPLY FOR THIS CARD
  • You are at least 18 Years of Age
  • You have an Excellent Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £5,000 per year
Introductory Offer
Balance Transfer Rate: 0% for 40 mths
Balance Transfer Fee: 1.94% fee
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3%
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Advice

10 Choice points for every £1 of eligible spend on the Choice Rewards American Express® Card. 10 Choice points for every £5 of eligible spend on the Choice Rewards MasterCard®.

Introductory Offer
Balance Transfer Rate: 0% for 24 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 23.7% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 23.7% p.a. (variable)
Cash Advance: 27.9% p.a. (variable)
Annual Fee: £24 p.a.
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Advice

No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency. No cash withdrawal fees at home and abroad (interest is charged immediately on cash withdrawals and some independent ATM providers may charge a withdrawal fee).

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 29.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 years of age;
  • You have had a permanent UK address for at least the last 3 years;
  • You do not have a history of bad credit (in other words, county court judgements or bankruptcy);
  • You have an income in excess of £7,500.
Introductory Offer
Balance Transfer Rate: 0% for 15 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% for 15 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 22.8% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 years of age;
  • You have had a permanent UK address for at least the last 3 years;
  • You do not have a history of bad credit (in other words, county court judgements or bankruptcy);
  • You have an income in excess of £7,500.

Advice

A fee of 3.5% will be applied, then reduced to 3.18% by a refund.

Introductory Offer
Balance Transfer Rate: 0% for 41 mths
Balance Transfer Fee: 3.18% fee
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3%
Cash Advance: 18.95% p.a. (variable)
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You earn at least £20,000 per year
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on