ICICI Bank Diamant Credit Card Review

Diamonds are precious and rare, so as is the ICICI Bank Diamond credit card. It offers some of the incredible benefits for its selected invite-only customers. As a welcome gift, this credit card offers MacBook Air not only that it also offers incredible offers like exclusive entry at a private island, luxury yacht, offer special offers on private jet too. Also, it offers some of the premier membership benefits in Taj and ITC, so the list is very long. Let’s check the details.

What is the eligibility for icici credit card?

There are some basic eligibility criteria given below. These basic requirements are needed to apply for credit card in icici bank.

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs. 5 lakh monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Income tax return should be greater than Rs. 60 lakh. 
  • Very Good CIBIL Score. (more than 750)
  • Good relation with the bank. 

If you want to know the icici bank online credit card application procedure then feel free to visit our FAQ page. Once your icici credit card application is submitted successfully you can track icici credit card status with application number or your mobile number. Click here to track icici credit card status.


If you want to apply for icici credit card you need to provide these documents:

  • 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. 

New ICICI Bank credit card comes in an inactive state, click here to know how to generate icici credit card pin? and activate them. 

ICICI diamant credit card Fees:

  • Joining Fee: Rs. 1.25 lakh + GST
  • Annual Fee: Rs. 10,000 + GST. (Can be waived off if Rs. 25 lakh is spent within a year)


  • Welcome benefit:

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

  • Reward benefit:

You will get 6 PAYBACK points for each Rs. 100 international spendings, and 3 PAYBACK points for each Rs. 100 spends in India.

1 reward point = Rs. 0.25

Now you might be thinking how to redeem icici credit card reward points? You redeem them via gift vouchers or a reward catalog you can also convert them into cash. The choice is up to you. 

  • Private Island:

Across the Indian Ocean, Caribbean Isles, Aegean Sea, Mediterranean Sea, and around the coasts of Australia and New Zealand it offers entry to some of the exotic islands at preferential rates.

  • ICICI credit card flight offers:

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

  • Luxury yachts:

Enjoy 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.

  • Lounge Access:

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.

  • Hotel booking:

You will get a complementary EPICURE PLUS and INNER CIRCLE GOLD membership with this card. You will get exclusive benefits from Taj and other Hotels.  

  • Movie benefit:

This card offers up to 4 free movie tickets per month. 

  • Dining benefit:

With this card, you can enjoy dining at partners’ restaurants with up to a 15% discount on your dining bill. 

  • Golf access:

This card offers unlimited free golf access at some of the premium golf courses in India. 

  • Insurance Coverage:

This card offers personal accidental coverage of Rs. 3 crores, USD 500 coverage for loss of travel documents, and USD 1200 for loss of checked-in baggage. 

  • Lost card liability coverage:

For lost or stolen cards, you will get coverage of Rs. 50,000. To avail the most of the benefits, you have to report the loss as soon as possible. 

   If you want to file a dispute against a credit card transaction then click here to download the icici credit card application form

  • Concierge service:

This icici bank credit card offer a world-class concierge service, emergency auto assistance, medical privileges like scheduled doctor appointments, emergency hospitalization, and lots more. 


  • Cash Withdrawal Charge: 2.50% against the withdrawn amount, min Rs. 300 
  • Finance Charge: 3.40% monthly. (Applicable if the icici credit card outstanding balance is not cleared within the due date. 
  • Foreign currency transaction: 3.50% against the transaction amount. 
  • Add-on card fee: None. 

Credit card icici bank customer care:

ICICI bank credit card customer care no: 1860-120-7777

Mail: You can mail the service authority just by visiting their complaint page

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:


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 card. The high fees of the card cannot be justified by the kind of benefits offered by this 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 card then there are some alternative cards given below. Take a look at them. 

Alternative Cards: 

  1. Bajaj Finserv RBL Bank World Prime SuperCard. (Best for reward point and lounge access)
  2. IDBI Bank Imperium Platinum Credit Card. (Best for reward points)
  3. RBL Movies and More Card. (Best for earning reward points)
  4. Yatra SBI Card. (Best for reward points and travel benefits)

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