आईसीआईसीआई माइन क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: ICICI Bank Ltd.
Modular subscription-based card for millennials offering up to 5% cashback on Amazon, Swiggy, Zomato, and dynamic plan toggling.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
ICICI Mine Credit Card is India's first monthly subscription-based digital credit card tailored for millennials and Gen-Z digital natives. It introduces a modular subscription model where cardholders can toggle plans on or off in the iMobile app to enjoy up to 5% cashback on Swiggy, Zomato, and Amazon.
Amazon Pay gift voucher or partner subscription voucher credited upon first retail purchase on the iMobile app.
1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter (available on Pro tier).
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.
Dynamic plan switching between Free, Starter (₹49/mo), and Pro (₹149/mo) allowing cardholders to activate benefits only during heavy spend months.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 35 with monthly salary exceeding ₹25,000. Self-employed individuals aged 21 to 35 with annual ITR exceeding ₹3,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹25,000/month (Salaried) / ₹3,00,000/year ITR (Ages 21–35)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Higher 5% cashback requires paying a recurring monthly subscription fee of ₹149 + GST. Monthly cashback is capped at ₹750 per month. Free tier offers modest 1% cashback.
🚀आवेदन के चरण (How to Apply)
Step 1: Open the iMobile Pay app or visit icicibank.com/mine. Step 2: Enter PAN and mobile number for instant algorithmic check. Step 3: Choose your preferred subscription tier (Free, Starter, or Pro). Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Digital card activated instantly in iMobile; physical card dispatched within 3 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on ICICI Mine Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on ICICI Mine Credit Card into EMI?
Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on ICICI Mine Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹1.00 directly credited to card statement balance as cash. Please note: Cashback is credited directly to statement balance and does not expire.
What is the interest-free grace period on ICICI Mine Credit Card and how does it work?
The interest-free period on ICICI Mine Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.