ICICI Bank Carbon Credit Card: Features & Benefits

Summary

The ICICI Bank Carbon Credit Card is a secure, next-generation credit card for customers who desire digital security and convenience. It differs from others in that the card number, expiry date, and CVV are not printed on the card but are stored safely in the chip of the card and are only visible on the ICICI Bank mobile application. This makes the Credit card highly secure and reduces online fraud and misuse.

One of the biggest attractions of this card is the ₹1,000 preloaded amount that is offered as a welcome benefit. Apart from that, consumers earn reward points on each transaction, fuel surcharge refund, and lifestyle and dining privileges on chosen brands. The card also provides the tap-and-pay facility, which enables quick and contactless transaction, and hence it is ideal for individuals who need speed and security in transactions.

The other most conspicuous feature is full control from the mobile application – the client has access to view card number, block/unblock card, look at statements, and use reward points conveniently. The elegant, premium look with a carbon-fiber-esque finish and chip-enabled security also carries a note of futurism.

Introduction

With the dawn of computers and the internet era, credit cards have contributed extensively to our lifestyle. Whether purchasing online or tickets for a cinema, bills or monthly bills, a credit card provides convenience along with money flexibility. ICICI Bank Carbon Credit Card is different from other credit cards issued in India because it has new age features, stylish looks, and convenient-to-exercise benefits. This card is particularly designed for the contemporary user who prefers a secure and electronic lifestyle.

ICICI Bank Carbon Credit Card is one of India’s oldest cards with an integrated microprocessor chip, offering better security and contactless payment. It is a next-generation card with no printed card number, CVV, and expiry date on front or back, hence more secure against online misuse and abuse. All these details are stored electronically within the chip and could be accessed through the ICICI Bank mobile application. 

There is another positive feature of the ICICI Bank Carbon Credit Card and that is it has a pre-loaded amount of ₹1,000, which you can use once you receive the card. You can use this amount on your initial few transactions, hence making it a wonderful welcome offer. Besides this, the card offers other lifestyle benefits such as discounts on dining, fuel, shopping, and entertainment. It is ideal for those individuals who wish to indulge in special offers while their transactions remain secure.

The card further has tap and pay technology, which allows you to pay effectively without swiping or inserting the card. Tap the card against the payment machine, and that is it. The feature is not only efficient in terms of time but also minimizes physical contact, and that is an excellent feature during these health-focused times we live in.

What is the ICICI Bank Carbon Credit Card?

The ICICI Carbon Card is a technologically sophisticated, secure credit card meant for the users of this age. It does not have a visible card number, expiry date, and CVV printed on the card. These are stored safely in the built-in chip, which will remain accessible only through the ICICI Bank mobile banking app.

This makes the card safe and secure from fraud in the virtual world. It also supports tap-and-pay functionality, so you can pay with ease quickly without doing anything except tapping the card on a device. The card comes with rewards, discounts, and a pre-loaded balance of ₹1,000 once upon is first purchase. It suits those who want a fashionable, contactless, and secure method of spending.

How is the design of the ICICI Bank Carbon Credit Card?

The ICICI Carbon Credit Card has a sleek, contemporary, and very trendy design. It has a minimalist, clean look with no card number, expiry date, or CVV number printed on the front or back. This gives it a glossy, black carbon-fiber look, which makes it look premium and unique.

All the important information is safely stored in the chip within the card and can be accessed only through the ICICI Bank mobile app. Not only does this enhance the security but also gives the card a more classy and smart appearance. It’s just ideal for those who adore smart and classy appearing things.

What are the benefits of the ICICI Bank Carbon Credit Card?

ICICI Carbon Credit Card has the following many hassle-free benefits that make it an optimum card for its customers at the moment. Some of them are as follows:

1. ₹1,000 Preloaded Balance:

You receive ₹1,000 preloaded upon getting the card. You can use it to make your initial transactions.

2. High Security:

The card contains no printed number, expiry date, and CVV and therefore your details are safe. These are kept in the chip and are accessible by ICICI Bank mobile app only.

3. Contactless Payments (Tap & Pay):

You can tap the card on the payment terminal to make fast and convenient payments without swiping or inserting the card.

4. Reward Points:

You get reward points every time you use the card to make a purchase. Redeem these points for bill payments, vouchers, or gifts.

5. Fuel Surcharge Waiver:

Do not have to pay the extra fuel surcharge at select petrol pumps, and you save money.

6. Dining Discounts:

Enjoy good discounts at partner restaurants when you settle the food bill with this card.

7. Access to Lounge Services:

You can get access to airport lounges in certain airports, thus improving your travel comfort and relaxation.

8. Mobile App Access:

You can control your card via the ICICI Bank mobile app – see your card number, block/unblock the card, see your statement, and more.

What are the fees for the ICICI Bank Carbon Credit Card?

Here is a simple breakdown of the ICICI Carbon Credit Card fees.

Joining Fee	Rs. 1,000 + GST
Annual Fee	Nil
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.40% per month (40.8% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an ICICI Bank Carbon Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get an ICICI Bank Carbon Credit Card?

The documents that you will have to submit to get an ICICI Carbon Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the ICICI Bank Carbon Credit Card be used?

Here is the list of places where you can use it:

• With the ICICI Carbon Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your ICICI Carbon Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  ICICI Carbon Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the ICICI Bank Carbon Credit Card?

The credit amount you can spend is what you are provided with an ICICI Carbon Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an ICICI Bank Carbon Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the ICICI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by ICICI Bank; for instance, you can choose the Carbon Credit Card.

• Just hover your cursor on the ICICI Bank Carbon Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest ICICI Bank branch to apply for the ICICI Bank Carbon Credit Card.

• Request for the credit card application form of the ICICI Bank Carbon Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the ICICI Bank Carbon Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the ICICI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an ICICI Bank Carbon Credit Card in 2025 be right?

Yes, getting an ICICI Carbon Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

ICICI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

ICICI Bank Carbon Credit Card is a clever and latest credit card designed exclusively for the personal use of those who long for security, convenience while shopping online, and style. In today’s era, where online shopping, mobile payments, and contactless payments are gaining ground, this card has everything one can need. Right from its sleek and stylish looks to the inbuilt security measures, it is a step higher than common credit cards.

One of the best aspects of this card is that it never displays the card number, CVV, or expiry date on the card. This becomes very hard for anyone to misuse your card if it is lost or stolen. All the important information is securely stored in the chip of the card and can be accessed easily using the ICICI Bank mobile app. This is a great option for people who worry about card fraud or online scams.

Yet another great benefit is the ₹1,000 loaded balance on the card. It is a starter and a nice welcome bonus from the bank. The card has reward points, fuel surcharge waivers, discounts on dining, and lounge passes at airports too. All these are very useful for those who use their card frequently for shopping, traveling, eating out, and other routine activities.

Frequently Asked Questions (FAQ’s)