ICICI Bank Mine Credit Card: Benefits & Apply

Summary

ICICI Bank Mine Credit Card is a one-of-a-kind credit card created for youth, students, and entry-level users. The card offers a new, dynamic, and rewarding experience for the young generation. A key highlight is that one can choose one of three plans – Starter (free), Pro, and Premium – that allows different cashback levels, discounts, and lifestyle rewards.

The user can get as much as 5% cashback on popular websites and applications such as Swiggy, Zomato, Amazon, BookMyShow, and lots more, depending on the paid plan. Monthly charges of the Pro and Premium plans may be waived off in case the client exceeds the amount spent during the month, thus making the card affordable and simple.

Besides cashback, the card also offers other advantages like complimentary airport or railway lounge access, waiver of fuel surcharge, dining discounts, and travel deals via partner websites such as Goibibo. The card also has a digital wellness subscription and lifestyle discounting, particularly in the Premium plan.

Introduction

The ICICI Bank Mine Credit Card is exactly what you need if you are a first-time credit card user or a young adult. Designed exclusively for the younger generation, this credit card boasts a modern appearance, tailored features, and rewarding incentives best suited for your next-generation way of life. ICICI Bank introduced this card to add happiness, simplicity, and benefits to credit card usage among millennials and Gen Z customers.

The ICICI Bank Mine Credit Card’s greatest advantage is that it provides you with three plans to choose from – Starter, Pro, and Premium. You have the option of selecting a plan according to your requirements and affordability. Depending on the plan, you can avail various amounts of benefits such as cashback, discounts on OTT streaming platforms, food ordering services, and even gym membership. This freedom lets you personalize your credit card usage, which is not possible for most other regular cards on offer.

The ICICI Bank Mine Credit Card lets you indulge in fantastic cashback rewards, partner discounts, and EMI-free shopping on large purchases. The card also has Visa behind it, and you can shop at any retailer in India and globally. The cherry on top is the intuitive ICICI iMobile application via which you can monitor spending, pay your bills, and stay on top of card configurations effortlessly. For the tech-savvy generation of today, the card is an amalgamation of convenience, security, and control.

ICICI Bank has not forgotten security aspects in this card either. You receive real-time transaction alerts, the ability to unblock/block your card on the fly, and strong encryption to safeguard your data. That goes a long way in instilling confidence and trust among first-timers, namely students and salaried class employees who are embarking on their money journey.

What is the ICICI Bank Mine Credit Card?

ICICI Bank Mine Credit Card is a special credit card manufactured in large numbers for young people, e.g., college students, working professionals, or new card users. The credit card is designed as per today’s youth lifestyle, which enjoys e-shopping, eating out, watching movies in OTT platforms, and spending time on apps. The card comes with thrilling rewards, cashback, and discounts on new-age services, and hence the spend becomes more exciting and rewarding.

One of the best things about this card is that you get to select among three plans – Starter, Pro, and Premium – based on how much you’re spending and what benefits you desire. All three plans have different types of offers and cashback. It also comes with smart security features, including the option to block your card instantly or get alerts for every transaction. Overall, the ICICI Bank Mine Credit Card is a chic and useful card for young people who want to start their credit life in a trendy and secure manner.

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

ICICI Bank Mine Credit Card boasts a fashionable and trendy look that is suited for the young generations, particularly millennials and Gen Z cardholders. Its slim form is a testament to the youthfulness of today’s lifestyle where sophistication goes hand in hand with functionality. Not only does the card look beautiful, it also comes with varying features tailored to cater to the digital generation.

With customized plans, the customers have the freedom to select between three diverse plans—Starter, Pro, and Premium—each of which is accompanied by diverse benefits and rewards.The card is also hand-in-glove with the iMobile app, allowing customers to control their money with maximum convenience. The ICICI Bank Mine Credit Card is overall a mix of contemporary appearance and convenient features, making it an ideal choice for young ones beginning to deal with money.

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

Here’s a list of the key benefits:

Cashback Rewards

1% Cashback on Retail Spends: All plans have a 1% cashback on retail spends.​

5% Cashback on Partner Brands:

• Pro Plan: Earn 5% cashback on partners like Zomato, Swiggy, Gaana, BookMyShow, Amazon Prime, PVR, Inox, Ola, Big Basket, and Grofers.

• Premium Plan: All Pro Plan partners with Amazon, Goibibo, MakeMyTrip, Fitternity, Myntra, and Furlenco.

Monthly Cashback Limits:

• Starter: ₹100

• Pro: ₹200

• Premium: ₹750​

Travel Benefits

Free Lounge Access:

• Pro Plan: 1 complimentary railway lounge access every month.

• Premium Plan: 1 complimentary domestic airport and railway lounge visit a month.

Travel Discounts:

• Goibibo: 7% discount on hotel reservations (up to ₹5,000) and 4% discount on flight reservations (up to ₹600) for Pro and Premium plans.

Fuel Surcharge Waiver:

• Enjoy a 1% fuel surcharge waiver on up to ₹4,000 HPCL pump transactions while swiping at ICICI Merchant Services POS terminals.

Dining and Lifestyle Offers:

• Daily Delight Offers: Enjoy special offers on travel, grocery, fashion, food, and e-marketplaces.​

• Dining Discounts: Get a 15% or more discount at ICICI Bank-partner restaurants under the ICICI Bank Culinary Treats Programme.​

Flexible Plans with Fee Waivers:

• Pro: ₹49/month (waived on ₹10,000/month spending)

• Premium: ₹149/month (waived on ₹20,000/month spending)​

• Plan Flexibility: Upgrade or downgrade plans according to changing needs and expenditures.​

Other Benefits

• Tata CLiQ Discount: Premium Plan users get a 5% discount (max. ₹300) on orders of over ₹1,000.

• Mindhouse Subscription: Premium Plan gives a 6-month complimentary subscription to the Mindhouse app with access to wellness content and classes.

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

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

Joining Fee	Nil (Starter). Rs. 49 Monthly (Pro). Rs. 149 Monthly (Premium)
Annual Fee	Nil (Starter). Rs. 49 Monthly (Pro). Rs. 149 Monthly (Premium)
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 Mine 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 Mine Credit Card?

The documents that you will have to submit to get an ICICI Bank Mine 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 Mine Credit Card be used?

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

• With the ICICI Bank Mine 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 your credit card to pay electricity and water bills, mobile bills, and internet services.

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

• The  ICICI Bank Mine 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 Mine Credit Card?

The credit amount you can spend is what you are provided with an ICICI Bank Mine 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 Mine 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 Mine Credit Card.

• Just hover your cursor on the  ICICI Bank Mine 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 Mine Credit Card.

• Request for the credit card application form of the  ICICI Bank Mine 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 Mine 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 Mine Credit Card in 2025 be right?

Yes, getting an ICICI Bank Mine 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 Mine Credit Card is a smart and flexible credit card designed specifically for youth, students, and first-time credit card users. With so much of our shopping, entertainment, ordering food, and booking holidays done online today, it is necessary to have a credit card that responds to this modern lifestyle. That is exactly what the ICICI Bank Mine Credit Card offers – the perfect blend of style, saving, and ease.

This is one of the biggest advantages that this card has. This credit card is unique in that you can choose from three plans – Starter, Pro, and Premium – depending on what you spend a month and for which rewards. So whether you’re a college student who spends less or a working individual who spends more on food, fashion, and entertainment, there is a plan that works for you. And the cherry on top? The monthly charges on Pro and Premium plans are waived off if you meet the minimum spending limit – that is, you can enjoy more benefits with zero extra charge.

From cashback on top apps such as Zomato, Swiggy, Amazon, and BookMyShow to discounts on hotel and flight reservations, this card covers most aspects of your life. It also has free lounge access, fuel surcharge waiver, and partner offers, which make it extremely useful for regular usage. Security features and the ICICI iMobile app also add to the overall comfort and reliability, especially for first-time users of a credit card.

Frequently Asked Questions (FAQ’s)