diff --git a/packages/eslint-plugin/src/rules/no-unnecessary-condition.ts b/packages/eslint-plugin/src/rules/no-unnecessary-condition.ts
index 51d42f82926..030ed4fe188 100644
--- a/packages/eslint-plugin/src/rules/no-unnecessary-condition.ts
+++ b/packages/eslint-plugin/src/rules/no-unnecessary-condition.ts
@@ -554,7 +554,12 @@ export default createRule<Options, MessageId>({
             type,
             property.name,
           );
-          return propType && isNullableType(propType, { allowUndefined: true });
+
+          if (propType) {
+            return isNullableType(propType, { allowUndefined: true });
+          }
+
+          return !!checker.getIndexInfoOfType(type, ts.IndexKind.String);
         });
         return (
           !isOwnNullable && isNullableType(prevType, { allowUndefined: true })
diff --git a/packages/eslint-plugin/tests/rules/no-unnecessary-condition.test.ts b/packages/eslint-plugin/tests/rules/no-unnecessary-condition.test.ts
index f8401399a20..af8b189f899 100644
--- a/packages/eslint-plugin/tests/rules/no-unnecessary-condition.test.ts
+++ b/packages/eslint-plugin/tests/rules/no-unnecessary-condition.test.ts
@@ -527,6 +527,24 @@ if (x) {
         tsconfigRootDir: path.join(rootPath, 'unstrict'),
       },
     },
+    `
+interface Foo {
+  [key: string]: [string] | undefined;
+}
+
+type OptionalFoo = Foo | undefined;
+declare const foo: OptionalFoo;
+foo?.test?.length;
+    `,
+    `
+interface Foo {
+  [key: number]: [string] | undefined;
+}
+
+type OptionalFoo = Foo | undefined;
+declare const foo: OptionalFoo;
+foo?.[1]?.length;
+    `,
   ],
   invalid: [
     // Ensure that it's checking in all the right places
@@ -1548,5 +1566,36 @@ if (x) {
         tsconfigRootDir: path.join(rootPath, 'unstrict'),
       },
     },
+    {
+      code: `
+interface Foo {
+  test: string;
+  [key: string]: [string] | undefined;
+}
+
+type OptionalFoo = Foo | undefined;
+declare const foo: OptionalFoo;
+foo?.test?.length;
+      `,
+      output: `
+interface Foo {
+  test: string;
+  [key: string]: [string] | undefined;
+}
+
+type OptionalFoo = Foo | undefined;
+declare const foo: OptionalFoo;
+foo?.test.length;
+      `,
+      errors: [
+        {
+          messageId: 'neverOptionalChain',
+          line: 9,
+          endLine: 9,
+          column: 10,
+          endColumn: 12,
+        },
+      ],
+    },
   ],
 });