ICICI Bank Diamant Credit Card Review

When it comes to premium facilities, there are only a few credit cards available in India that can be compared with the icici bank diamant credit card, it is a super premium credit card that is stuffed with tons of extraordinary features and benefits. Targeting the notch section of Indian credit card users, this icici credit card offers discounted access to private islands, unlimited free access to airport lounges, complimentary membership in premium hotel programs, and lots more. More about the icici bank credit card benefits are discussed below. 

How does the diamant icici bank credit card eligibility work?

  • Resident Type: Indian. 
  • ICICI credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs. 5 lakh monthly. 
  • ICICI credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Income tax return should be greater than Rs. 60 lakh. 
  • A very good CIBIL Score (750+) is required to apply for a credit card in icici bank.  

You can apply for this card from the icici credit card application online portal. Once your icici credit card application is submitted successfully, you can track icici credit card status with the application number or with your mobile number.

What documents are required to apply for an icici diamant credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of the last 3 months 
      • ITR (Income 
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report.

 Nowadays, all new icici cards are delivered in an inactive state. So, if you want to know how to generate icici credit card pin and activate them, then feel free to take a look at our faq page.

What are the icici diamant credit card Fees?

  • ICICI bank credit card joining fee: Rs. 1.25 lakh + GST
  • ICICI bank credit card annual fee: Rs. 10,000 + GST. (Can be waived off if Rs. 25 lakh is spent within a year)

How does the icici diamant credit card benefit you?

  • Get started with an attractive joining gift:

With the activation of the diamant card, you will get a MacBook Air as a welcome gift. 

  • Get rewarded for every transaction you make:

Category of transaction

Rate of earning icici credit card reward points

International expenses

6 icici credit card payback points per Rs.100 transaction

Domestic expenses

3 icici bank payback points for every Rs.100 transaction

Now you might be thinking how to redeem icici credit card reward points? You can redeem them into gift vouchers, cash, and even use them to get a product from the icici reward points redemption catalog.

  • Indulge in luxury with exclusive lifestyle benefits:

With this icici gemstone credit card, you will get exclusive deals at some of the exotic islands across India including the Indian Ocean, Caribbean Isles, Aegean Sea, Mediterranean Sea, and around the coasts of Australia and New Zealand

This icici super premium credit card gives you discounted sailing on a chartered luxury yacht from the Mumbai coast into the Arabian Sea with family and friends. The charter services are available to diamant customers free of cost and include F&B services.

  • Travel comfortably with attractive icici credit card flight offers:

You will get access to private jet charters from Club One Air, India’s largest air charter operator, with a world-class fleet at partial rates.

  • Enjoy free access to airport lounges:

Under the Dreamfolks and icici mastercard lounge program, this icici gemstone credit card offers unlimited free access to around 600 airport lounges worldwide. You will also get complimentary snacks, internet, conference rooms, etc.

  • Experience exclusive deals on hotel booking:

You will get a complimentary taj epicure plus membership and inner circle gold membership that offers hotel booking benefits like never before.



EPICURE PLUS membership

  • 25% discount on dining
  • Happy hours at leading bars, from 6 pm to 8 pm with a complimentary round of drinks
  • complimentary room upgrades

Taj inner circle gold membership

  • 1 inner circle points for every Rs.70 spent at Taj hotels
  • Privileges like early-check in and late checkout
  • 2 suite upgrade vouchers 
  • 15% discount on room redemption
  • Make evenings entertaining with complimentary movie tickets:

If you use this gemstone credit card to book a movie ticket from BookMyShow, you will get another one completely free. You can get this icici credit card movie offer 4 times a icici card statement cycle.

  • Experience exclusive deals on dining expenses:

Under the icici bank culinary treats program, this card offers you up to a 25% discount on your dining expenses at participating ITC Hotels. 

  • Make your weekends entertaining with complimentary golf rounds:

Using this icici gemstone credit card you can get unlimited free access to most of the leading domestic and international golf courses. 

  • Complimentary insurance coverage to stand for you in emergencies:

With the ICICI diamond credit card complimentary insurance coverage, this card can support you in unfortunate events.


Total coverage amount

Personal accidental coverage

Rs.3 Cr.

Loss of travel documents

USD 500

Loss of checked-in baggage

USD 1200

Lost card liability coverage 


In case of lost or stolen cards, you can also block your card from your icici bank credit card app.

  • A multilingual concierge service to assist you:

This icici bank credit card offer a world-class concierge service that can assist you whenever you need it. Call the icici credit card customer care number to book your free concierge.

What are the icici bank credit card charges?


Payable amount 

ICICI credit card cash withdrawal charges

2.50% against the withdrawn amount, min Rs. 300. Check your icici bank credit card status before making a withdrawal

Finance Charge

The icici credit card interest rate can go up to 3.40% monthly. (Applicable if the icici credit card outstanding balance is not cleared within the due date.

ICICI credit card international transaction charges

3.50% against the transaction amount.

ICICI add on credit card fee


How to contact the icici credit card customer care department?

  • Call the icici bank credit card customer care no: 1860-120-7777 / 022-3366-7777 or +91-40-7140-3333
  • Write to the icici credit card complaint email id: headservicequality@icicibank.com  

 You can initiate the icici bank credit card cancellation process just by calling the icici credit card helpline number. You may need to provide some of your icici credit card details. Make sure there is no icici credit card fresh transaction before you initiate the process. 

100xGain Ratings:


Pros and cons of the icici gemstone credit card:



  • This icici credit card features unlimited golf and airport lounge access
  • You can also earn some free movie tickets every month
  • There are some very exclusive deals on travel booking
  • The ICICI diamond credit card joining fee is very high
  • The rate of earning icici bank reward points is not that great

Final Opinion:

Needless to say, this is a premium credit card from ICICI Bank and it offers a lot of premium benefits to its users. But there are some major drawbacks to this gemstone credit card. The high fees of the card cannot be justified by the kind of benefits offered by this icici gemstone card. The joining fee of the card is way too high, and the high foreign currency conversion charge is not acceptable after paying so much. 

So if your budget is not allowing you to get this icici premium credit card then there are some alternative cards given below. Take a look at them. 

Alternative of ICICI Bank Diamant Credit Card: 

  1. RBL world prime credit card (Best for reward point and lounge access)
  2. IDBI Bank Imperium Platinum Credit Card. (Best for reward points)
  3. RBL bank movies & more credit card (Best for earning reward points)
  4. Yatra sbi credit card (Best for reward points and travel benefits)

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