ICICI Bank× HPCLVisa
HPCL Super Saver ICICI Bank
Net savings₹4,342/yr
Savings rate1.3%
Annual feeWaived ₹590
Lounge✈4 dom
✓ 4% cashback + 1.5% points on HPCL fuel (fuel assumed at HPCL) earns you about ₹1,980 a…
Issuer · 10 cards · updated 2026-09-19
ICICI Bank credit cards, ranked
Every ICICI Bank card scored in rupees for the standard profile – fee incl. GST, net savings, lounge rules and what changed recently.
Best ICICI Bank credit card (Sept 2026): HPCL Super Saver ICICI Bank – score 54/100, ₹4,342 net a year for the standard profile; Emeralde Private Metal is next. 10 ICICI Bank cards on CardLens: 1 lifetime free, 9 with lounge access.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Top 3 ICICI Bank cards
ICICI BankVisa
Emeralde Private Metal
Net savings₹4,273/yr
Savings rate1.3%
Annual feeYou pay ₹14,749
Lounge✈∞ dom🌏∞ intl
✓ Base rate 2.55% on other spends earns you about ₹5,086 a year on ₹1,99,440 of spend.
ICICI Bank× Amazon PayVisa
Amazon Pay ICICI Bank
Net savings₹4,742/yr
Savings rate1.5%
Annual feeFree for life
Lounge✈ none
✓ Base rate 1% on other spends earns you about ₹2,006 a year on ₹2,00,640 of spend.
All 10 ICICI Bank cards
| # | Card | Score | Net savings / yr | Type | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | HPCL Super Saver ICICI BankICICI Bank | 54/100 | ₹4,342 1.3% rate | Fuel · 3.5% forex | Waived | 4 domestic/yr |
| 2 | Emeralde Private MetalICICI Bank | 52/100 | ₹4,273 1.3% rate | Super-premium · 2% forex | You pay ₹14,749 | unlimited domestic + unlimited international/yr |
| 3 | Amazon Pay ICICI BankICICI Bank | 46/100 | ₹4,742 1.5% rate | Shopping · 3.5% forex | Free for life | No lounge access |
| 4 |  CoralICICI Bank | 46/100 | ₹1,693 0.5% rate | Entry-level · 3.5% forex | Waived | 4 domestic/yr |
| 5 |  RubyxICICI Bank | 44/100 | ₹1,813 0.6% rate | Premium · 3.5% forex | Waived | 8 domestic/yr |
| 6 |  MakeMyTrip ICICI Bank SignatureICICI Bank | 38/100 | ₹3,386 1.0% rate | Travel · 0.99% forex | Waived | 8 domestic + 8 international/yr |
| 7 |  SapphiroICICI Bank | 36/100 | −₹2,317 -0.7% rate | Premium · 3.5% forex | You pay ₹4,130 | 16 domestic + 8 international/yr |
| 8 |  EmeraldeICICI Bank | 25/100 | −₹9,440 -2.9% rate | Super-premium · 1.5% forex | You pay ₹14,160 | unlimited domestic + unlimited international/yr |
| 9 |  Adani One ICICI Bank SignatureICICI Bank | 24/100 | −₹1,290 -0.4% rate | Travel · 2% forex | You pay ₹5,900 | unlimited domestic + 4 international/yr |
| 10 |  Times Black ICICI BankICICI Bank | 24/100 | −₹20,207 -6.2% rate | Super-premium · 1.49% forex | You pay ₹23,600 | unlimited domestic + unlimited international/yr |
Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
Recent ICICI Bank changes
- DevaluationICICI Bank
MakeMyTrip and Adani One ICICI cards: lounge access now needs ₹75,000 spend a quarter
From 1 July 2026 the MakeMyTrip ICICI Bank card and both Adani One ICICI cards (Signature and Platinum) follow the same rule as other ICICI cards: complimentary airport lounge access only if you spent ₹75,000 in the previous calendar quarter. These co-brands previously had no spend condition. Times Black and the Emeralde family stay unconditional.
- DevaluationICICI Bank
ICICI Bank: lounge access only after ₹75,000 spend in the previous quarter
From 1 July 2025 most ICICI credit cards give complimentary domestic lounge access only if the cardholder spent ₹75,000 in the previous calendar quarter (for July–September, spend between 26 March and 25 June is counted). Emeralde, Emeralde Private, Emeralde Private Metal, Diamant, Emirates Emeralde and Times Black keep unconditional access.
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Frequently asked questions
Which ICICI Bank credit card is best?
For the standard ₹32k/month profile, HPCL Super Saver ICICI Bank scores highest (54/100, ₹4,342 recurring net savings), ahead of Emeralde Private Metal (52). Your own spend can change the order – use Find My Card.
Which ICICI Bank credit card is lifetime free?
Amazon Pay ICICI Bank is lifetime free on CardLens data.
Which ICICI Bank credit card gives airport lounge access?
HPCL Super Saver ICICI Bank (4 domestic); Emeralde Private Metal (Unlimited domestic); Coral (4 domestic, needs ₹35,000/quarter); Rubyx (8 domestic, needs ₹75,000/quarter); MakeMyTrip ICICI Bank Signature (8 domestic, needs ₹75,000/quarter); Sapphiro (16 domestic, needs ₹75,000/quarter) and 3 more.