Summary
ICICI Bank Diamant Credit Card is a high-end product designed for an individual who craves comfort, convenience, and special treatments with their banking facilities. This bank Credit card offers diverse privileges that are an excellent choice for high-end customers seeking a luxurious means to enhance the comfort level within their reach through the high-end bank credit card.
Other prime features of the ICICI Bank Diamant Credit Card are unlimited visits to over 600 airport lounges worldwide, access to a concierge service from 24/7, discounts on dining and shopping, as well as rounds of golf absolutely free at participating golf courses, and access to luxury brand offerings through the points scheme of the card. Additionally, the card offers rich travel rewards like comprehensive insurance coverage, travel concierge assistance, and single-entry airport lounge access.
The card provides good reward points on both domestic and international transactions, which can be redeemed to earn a variety of rewards ranging from air miles to designer products. Business travelers can also derive additional advantages from the ICICI Bank Diamant Credit Card, such as travel insurance and access to VIP airport lounges, making it an essential choice for those who are constantly on the move.
Introduction
The ICICI Bank Diamant Credit Card is an elite card that offers top-class benefits and rewards to those who want to live life in style. The Diamant Credit Card allows customers to reap the benefits of a slew of luxurious rewards, making it perfect for high spenders and frequent flyers. If you are searching for more cashback, reward points, or even access to airport lounges, then the Diamant Credit Card is the right choice.
Apart from these benefits, there are also some lifestyle advantages such as dining, shopping, and other experiences offered. It offers cardholders higher credit limits so that they can enjoy a convenient payment experience. One of the best features is that it can earn higher reward points at a faster rate, which can be redeemed for various products, services, and experiences.
For the travel enthusiast, the ICICI Bank Diamant Credit Card gives you complimentary airport lounge access, offering you a hassle-free traveling experience. Besides, it offers other security features, such as fraud protection, to give customers confidence while using the card.
In this article, we will be describing the features of the ICICI Bank Diamant Credit Card in detail and guiding you through the application process so that you can make an informed choice as to whether or not this credit card is for you.
What is the ICICI Bank Diamant Credit Card?
ICICI Bank Diamant Credit Card is a high-end credit card that is designed for those who appreciate high-end benefits and rewards. The card offers exclusive features such as high reward points for each transaction, airport lounge privilege, and specialty discounts on dining, shopping, and so on.
This card is ideal for high spenders and frequent fliers who prefer to make the most of their spending. With increased security measures and high credit limit, Diamant Credit Card provides you with a stress-free as well as a rewarding experience. It’s an excellent option for those who prefer a credit card providing convenience and luxury in one.
How is the design of the ICICI Bank Diamant Credit Card?
The ICICI Bank Diamant Credit Card is stunning not only because of the luxurious benefits presented but also due to the unique look of the card. Drawn from the beauty of diamonds, the card has a black-silver hue with a diamond sparkle pattern, which gives it a very classy and luxurious look. The appearance reflects the card as one of ICICI Bank’s premium Gemstone Collection, which includes other premium cards like the Emerald and Rubyx.
In 2012, the Diamant Credit Card design was distinguished globally as among the international ICMA (International Card Manufacturers Association)-voted top three best card designs in the world. Such appreciation is testimony to the aesthetically pleasing design of the card and its accordance with the high-end consumers’ preferences for functional use as well as beauty for their money tools.
What are the benefits of the ICICI Bank Diamant Credit Card?
Below is a list of its key advantages:
Travel & Lifestyle Perks
- Airport Lounge Privileges Unlimited: Cardholders have unlimited airport lounge access to over 600 domestic and international airport lounges under the Priority Pass program for convenient traveling.
- Golf Privileges: Enjoy unlimited free games on India’s best golf courses as well as over 90 golf courses overseas and complimentary golf lessons at some venues.
- Concierge Services: Have access to a 24/7 personal concierge who will assist in making travel bookings, dining reservations, gift purchases, and emergency support to enhance lifestyle experiences.
Rewards & Redemptions
- Reward Points: Receive 6 ICICI Rewards points for each ₹100 of overseas spends and 3 points for each ₹100 of local spends.
- Redemption Choices: The points can be exchange for a wide range of rewards, such as products from premium brands like Guess, Calvin Klein, and Bvlgari, Taj Hotels gift vouchers, or even exchange for air miles to fly.
Entertainment & Dining Privileges
- Movie Tickets: Receive a maximum of 4 complimentary movie tickets a month on BookMyShow, including special films, and no limit on the cost of the ticket per booking.
- Dining Discounts: Enjoy a minimum of 15% discount at Culinary Treats allied restaurants, and further discounts at ITC and allied hotels with Club ITC Culinaire membership.
Insurance & Security
- Insurance Coverage: Enjoy complete travel insurance benefits, including a personal air accident cover of ₹3 crore and a credit shield cover of ₹50,000.
- Increased Security: The card contains additional security features such as a chip built in and MasterCard SecureCode to provide safe transactions for owners.
What are the fees for the ICICI Bank Diamant Credit Card?
Here is a simple breakdown of the ICICI Bank Diamant Credit Card fees.
| Joining Fee | Rs. 1,25,000 + GST |
| Annual Fee | Rs. 10,000 + GST |
| Add-on Card Fee | No charges for additional cards for family members. |
| Finance Charges | 3.40% per month (40.80% 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 Diamant 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 need; 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 prefer for sanction.
5. Residency:
- You should be an Indian resident and have a valid address proof.
What documents are require to get an ICICI Bank Diamant Credit Card?
The documents that you will have to submit to get an ICICI Diamant 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 Diamant Credit Card be use?
Here is the list of places where you can use it:
- With the ICICI Bank Diamant 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 Bank Diamant Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The ICICI Bank Diamant Credit Card is also accept in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accept.
What is the credit limit of the ICICI Bank Diamant Credit Card?
The credit amount you can spend is what you are provided with an ICICI Diamant 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 Diamant 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 ICICI Bank Diamant Credit Card.
- Just hover your cursor on the ICICI Bank Diamant Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be ask 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 require to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mention 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 Diamant Credit Card.
- Request for the credit card application form of the ICICI Bank Diamant 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 process, and your information will be cross-check 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 Diamant 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 Diamant Credit Card in 2025 be right?
Yes, getting an ICICI Diamant 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
The ICICI Bank Diamant Credit Card is an ideal choice for individuals who seek high-end benefits, luxury, and convenience in their daily financial transactions. With its distinguishing features like unlimited access to airport lounges, high reward points, and free golf privileges, the card is designed to meet the lifestyle of high-end customers. In addition, the card comes with incentives like dining discounts, entertainment rewards, and a personal concierge service, making the card suitable for people who like a high-end lifestyle.
The card also offers higher security with fraud protection and insurance coverage, giving one peace of mind while making a purchase. For regular flyers, the travel privileges of the ICICI Diamant Credit Card, such as worldwide lounge access and travel insurance, make this card an even more attractive offer. Also, the fact that reward points can be redeem for premium products, air miles, and other awards adds immense value to this card, making it not just a payment instrument but also a key to exclusive experiences.
In short, the ICICI Bank Diamant Credit Card is a feature-packed and cutting-edge credit card that is immensely valuable because of its wide range of features and benefits. If you wish to upgrade your lifestyle, experience luxurious benefits, or get reward on your daily spends, this card has been design to meet all your lifestyle and financial needs. If you want to pay for the finest services and want to have a credit card that is a reflection of your fantasies, then the ICICI Diamant Credit Card is worth considering.
Frequently Asked Questions (FAQ’s)
Ans: Yes, there are annual fees and miscellaneous charges that apply to the ICICI Diamant Credit Card. Depending on the cardholder’s relationship with the bank and the terms at the time of application, fees can differ.
Ans: Yes, the ICICI Diamant Credit Card is accept worldwide. It has MasterCard features, so it can be use smoothly for international purchases.
Ans: The credit limit of the ICICI Diamant Credit Card depends on the income of the applicant, credit history, and banking relationship. It will normally be an enormous credit limit as compared to other conventional credit cards.
Ans: The card provides travel insurance covers such as personal air accident cover of ₹3 crore and credit shield cover of ₹50,000 to card members. These covers provide extra protection to customers while traveling.
Ans: Reward points can be redeem either on the ICICI Bank website or mobile app for numerous rewards such as merchandise, air miles, and gift vouchers for high-end brands and partner merchants.
