Best ICICI Bank Premium Credit Cards: Which Card is Right for You?

Premium credit cards are designed for users who want more than basic rewards. They offer higher value through travel privileges, lounge access, concierge support, and better reward rates. ICICI Bank premium credit cards stand out in this segment because they combine lifestyle benefits with strong customer experience and a wide merchant acceptance network.

If you're trying to choose the right ICICI card for business travel, dining, shopping, or luxury experiences, this guide explains what premium cards offer, which ICICI cards qualify in this category, their fees, benefits, and how to choose the right one for your profile.

Table of Contents

1. What Are ICICI Bank Premium Credit Cards?
2. Features and Benefits of ICICI Bank Premium Credit Cards
3. Best ICICI Premium Credit Cards (Full List)
4. ICICI Premium & Super-Premium Credit Cards ( Comparison )
5. Eligibility Criteria for ICICI Premium Credit Cards
6. How to Apply for ICICI Premium Credit Cards

What Are ICICI Bank Premium Credit Cards?

ICICI Bank premium cards are mid-to-high-tier credit cards offering superior benefits compared to entry-level variants. They provide a mix of travel, lifestyle, reward points, and convenience features that are designed for users with higher spending patterns.

Typically, premium cards start around the ₹2,500–₹6,000 annual fee range and offer significantly better perks than basic cards. The ICICI most premium credit card and the ICICI bank super premium credit card category sit even higher, offering access to luxury lounges, low forex markups, concierge services, unlimited golf, and international travel benefits.
Most premium/super-premium cards come with income requirements starting from ₹8–12 lakh annually, making them ideal for working professionals, frequent travellers, and users looking to maximise rewards.

Features and Benefits of ICICI Bank Premium Credit Cards

Premium cards come with bundled advantages that justify their annual fees. Here are the most important benefits you can expect.

1. Better Reward Rates and Accelerated Points
ICICI premium cards offer accelerated earnings on dining, travel, and online spending. For example, reward rates may go up to 2–4 points per ₹100, depending on the category. Points can be redeemed for flights, vouchers, fuel, or products.

2. Airport Lounge Access (Domestic and International)
Depending on the card, you may receive:

• 2–4 domestic lounge visits per quarter
• ICICI Sapphiro and above: International lounge access via DreamFolks Priority Pass

This is a major value-add for frequent travellers.

3. Fuel Benefits and Surcharge Waivers
Most premium cards offer:

• 1% fuel surcharge waiver at select stations
• Additional 5%–6% cashback on specific fuel spends (e.g., HPCL Super Saver)

4. Exclusive Lifestyle Privileges
Some ICICI premium cards provide:

• Complimentary golf rounds
• Movie discounts via BookMyShow
• Luxury hotel tie-ups
• Personal concierge services for reservations and travel planning

5. High Credit Limit and Low Forex Markup
Premium cards often come with higher credit limits and forex markups around 3.5%, while super-premium cards offer even lower (as low as 1.5% in some cases).

Takeaway:
 Premium cards offer solid value, especially if your annual spending exceeds ₹3–₹5 lakh across travel, fuel, and lifestyle categories.

Best ICICI Premium Credit Cards (Full List)

ICICI Bank offers several premium credit cards, but each one is built for a different type of user. Some focus on travel, others on fuel or lifestyle rewards. To help you choose the right fit, here’s a list of the best ICICI premium credit cards and what each one offers.

1. ICICI Rubyx Credit Card

The ICICI Rubyx Credit Card is a strong entry-level premium card designed for users who want balanced travel, lifestyle, and rewards features. It offers predictable value across categories like dining, lounge access, and everyday spending. With its mid-range fee and practical benefits, Rubyx fits professionals who want premium perks without overspending.

Key features

• Domestic airport lounges: 2 complimentary lounge visits per quarter through Visa/Mastercard.
• Rewards: Earn 2 PAYBACK points per ₹100 on domestic spends and 4 points per ₹100 on international transactions.
• Dining benefits: Minimum 15% savings at 2,500+ partner restaurants under Culinary Treats.
• Fuel surcharge waiver: 1% waiver at HPCL pumps on transactions above ₹400.
• Movie benefits: Buy-1-Get-1 offer on BookMyShow, limited to 2 free tickets per month.
• Golf perks: 1 complimentary golf lesson every month at select courses.

Charges

• Joining fee: ₹3,000
• Annual fee: ₹2,000
• Annual fee waiver: Spend ₹3 lakh in the previous year

Who is it best for:
 Ideal for users who want a mid-range ICICI premium card offering lounge access, dining discounts, and enhanced rewards on domestic and international spends.

2. ICICI Sapphiro Credit Card

The ICICI Sapphiro Credit Card is one of ICICI Bank’s most popular premium cards, offering elevated travel benefits and lifestyle features. With DreamFolks membership and both domestic and international lounge access, it is suitable for frequent fliers who want premium airport experiences.

Key features

• DreamFolks membership: Access to airport lounges + spa benefits at select airports.
• Lounge access: 4 domestic visits per quarter + 2 international lounge visits annually.
• Low forex markup: 3.5% on international transactions.
• Rewards: Earn 2 PAYBACK points per ₹100 on domestic spending and 4 points per ₹100 internationally.
• Lifestyle benefits: Buy-1-Get-1 movie offer on BookMyShow (2 free tickets monthly).
• Dining privileges: Save minimum 15% across premium partner restaurants.

Charges

• Joining fee: ₹6,500
• Annual fee: ₹3,500
• Fee waiver: Spend ₹6 lakh annually

Who is it best for:
 Best suited for travellers who want regular lounge access and lifestyle benefits at a competitive fee.

3. ICICI Ferrari Signature Credit Card

This premium lifestyle card is designed for motorsport and automotive enthusiasts. It combines reward acceleration, brand-exclusive privileges, and travel perks, making it a stylish option in the premium segment.

Key features

• Ferrari merchandise & experiences: Exclusive access to branded products and privileges.
• Rewards: Earn 2 PAYBACK points per ₹100 on domestic spends and 4 points per ₹100 internationally.
• Travel benefits: 1 complimentary domestic airport lounge visit per quarter.
• Fuel benefits: 1% fuel surcharge waiver at all pumps for transactions above ₹400.
• Dining: Save a minimum of 15% at partner restaurants.

Charges

• Joining fee: ₹3,999
• Annual fee: ₹999
• Fee waiver: Spend ₹2.5 lakh annually

Who is it best for
 Ideal for users who want a premium card with lifestyle branding, moderate travel benefits, and a reasonable annual fee.

4. ICICI Manchester United Signature Credit Card

This card is tailored for sports fans, particularly Manchester United supporters. It combines reward points, lifestyle privileges, and exclusive MUFC experiences that offer strong value for fans.

Key features

• Exclusive MUFC merchandise: Access to limited-edition products and priority purchases.
• Match experience: Chance to win a fully paid trip to Old Trafford stadium.
• Rewards: Earn up to 2 points per ₹100 on domestic spends and higher on MUFC-related purchases.
• Domestic lounges: 1 complimentary visit per quarter.
• Fuel benefits: 1% surcharge waiver on ₹400–₹4,000 transactions.

Charges

• Joining fee: ₹2,499
• Annual fee: ₹499
• Fee waiver: Spend ₹1.5 lakh annually

Who is it best for
 A perfect fit for football fans who want premium-level lifestyle perks, exclusive merchandise, and moderate travel benefits.

5. ICICI HPCL Super Saver Credit Card

The ICICI HPCL Super Saver Credit Card is a premium fuel card designed for users who spend heavily on petrol or diesel. It offers higher savings on fuel, reward points on daily spending, and additional benefits through ICICI’s lifestyle programmes.

Key features

• Fuel savings: Get up to 5% benefit on fuel spends at HPCL outlets (through cashback + reward points).
• Toll, grocery & utility rewards: Earn 2–5 points per ₹100 depending on category.
• Fuel surcharge waiver: 1% waiver across HPCL pumps.
• Dining offers: Minimum 15% discount across partner restaurants.
• Lounge access: 1 complimentary domestic visit per quarter.

Charges

• Joining fee: ₹500
• Annual fee: ₹500
• Fee waiver: Spend ₹50,000 annually

Who is it best for:
Best for users with high monthly fuel expenditure who want consistent savings and basic premium lifestyle perks.

Also, check out the Top ICICI credit cards with features, eligibility, and charges on Finology Select.

ICICI Premium & Super-Premium Credit Cards

To simplify your decision, here’s a side-by-side comparison:

Feature	ICICI Sapphiro (Premium)	ICICI Emeralde (Super-Premium)	ICICI Rubyx (Premium)
Annual Fee	₹6,500 + GST	₹12,000 + taxes	₹3,000 + GST
Reward Points	4 pts / ₹100 (international) 2 pts / ₹100 (domestic) 1 pt / ₹100 (utilities & insurance)	4 Reward Points / ₹100 (retail spends) 1 Reward Point / ₹100 (utilities & insurance)	4 pts / ₹100 (international) 2 pts / ₹100 (domestic) 1 pt / ₹100 (utilities & insurance)
Lounge Access	4 domestic visits per quarter + 2 international visits per year via DreamFolks	Unlimited domestic + unlimited international lounge access	2 domestic lounge visits per quarter
Concierge Service	Yes — premium lifestyle & travel support included	Yes — full luxury concierge with enhanced travel and lifestyle services	Yes — basic lifestyle and travel concierge services
Travel / Accident Insurance	Air Accident Cover up to ₹3 crore	Air Accident Cover up to ₹3 crore	Personal Air Accident Cover up to ₹1 crore

Key takeaway:

• Sapphiro is good for balanced travel + lifestyle rewards, with 4 domestic + 2 international lounges.
• Emeralde is for those who want unlimited lounge access and a premium concierge.
• Rubyx is a solid premium card with strong reward points and long-term value, especially for users who travel domestically.

Eligibility Criteria for ICICI Premium Credit Cards

ICICI Bank has clear eligibility rules for premium and super-premium cards:

1. Income Requirement

• Premium cards: ₹75,000–₹1,00,000 monthly income
   
• Super-premium cards (Emeralde): ₹3–5 lakh monthly income
   
• Self-employed applicants must show ITR with ₹10–15 lakh annual income minimum.

2. Age Criteria

• Primary applicant: 21–65 years
   
• Add-on cards available from 15 years onwards

3. Credit Score
A credit score of 750+ greatly improves your chances of approval.

4. FD-Backed Option
Some premium cards can be issued against a fixed deposit of ₹20,000–₹50,000, allowing users without income proof to qualify more easily.

How to Apply for ICICI Premium Credit Cards

You can apply for an ICICI Premium Credit Card using either online banking or by visiting an ICICI branch.

1. Online Application

• Log in to ICICI NetBanking or iMobile app
   
• Navigate to “Credit Cards” → “Premium Cards”
   
• Select the desired card and fill in personal, income, and KYC details
   
• Upload required documents and submit
   
• Instant pre-approval may be offered; physical card delivered in 7–10 days

2. Offline Application

• Visit an ICICI branch
   
• Request a premium card application form
   
• Submit income proof, PAN, Aadhaar, and address proof
   
• Verification and approval usually take 7–10 business days

Tip: Online applications often provide instant pre-approval based on income and credit profile.

Conclusion

ICICI Bank premium credit cards offer a great balance of travel, lifestyle, rewards, and fuel benefits for users with moderate to high annual spending. Whether you want lounge access, reward acceleration, or branded lifestyle perks, there is a premium ICICI card that fits your needs. Choosing the right one depends on your spending pattern — travel, lifestyle, fuel, or sports. Analyse your yearly spending and pick the card that delivers the best long-term value.

Want to build credit even without income proof or a strong score? Learn how an ICICI Credit Card Against FD works and why a secured card can be one of the simplest ways to start improving your credit profile.

FAQs

1. Which is the best ICICI Bank premium credit card?
The ICICI Sapphiro Credit Card is considered the best ICICI Bank premium credit card due to its strong lounge access benefits, DreamFolks membership, and high reward value.

2. Which ICICI Bank card is the most premium?
The ICICI Bank Diamant Credit Card is the most premium ICICI credit card. It is an invite-only super-premium card offering unlimited global lounge access and exclusive privileges.

3. What is the difference between premium and super-premium ICICI credit cards?
Premium cards offer benefits like 2–4 lounge visits per quarter and moderate fees. Super-premium cards offer unlimited lounges, concierge services, and higher insurance cover, but come with higher annual fees.

4. What income is required for ICICI premium credit cards?
Most ICICI premium cards require a monthly income of ₹50,000–₹1 lakh, depending on the card. Super-premium cards require significantly higher income levels.

5. Can I upgrade from a premium to a super-premium ICICI card?
Yes. ICICI allows upgrades based on your spending history, credit score, and relationship with the bank. Many users upgrade from Rubyx/Sapphiro to Emeralde after crossing higher annual spends.