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  • ICICI Balance Transfer is Rated as "Great!" by 6531 Users

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    ICICI Balance Transfer

    Overview

    You can transfer the credit balance outstanding on another Bank credit card to your ICICI Bank credit card at an attractively low rate of interest. With this facility, you can save a lot of money on the interest paid out on the credit card and can consolidate the outstanding balance available on your credit cards.

    Features of ICICI Bank Credit Card Balance Transfer

    • With the ICICI Bank Credit Card Balance Transfer you can repay the outstanding amount due at a lower rate of interest and thereby save money on interest payment to another Bank credit card.
    • You can choose to pay in EMIs for 3 months and/or 6 months
    • Processing of the Balance Transfer request is done quickly and efficiently.
    • The customer is responsible for any additional charges, overdue amount or fees levied by the other bank and has to continue payments to be made by the due date to the other bank credit card account, until the payment from ICICI is transferred to the account.

    How to apply for Credit Card Balance Transfer with ICICI

    In order to avail the ICICI Bank Balance Transfer facility, all you have to do is contact the ICICI Bank customer care or send an SMS to 5676766 with the message “BT”. The customer care will then contact you on the mobile number registered with the Bank.

    Process of Balance Transfer

    In order to proceed with the Balance Transfer, you have to follow any of the two methods given below:

    • The Bank will send a Demand Draft to the cardholder’s mailing address, in favour of the other Bank that has issued the credit card from which you wish to transfer the outstanding amount. This will be credited to the other Bank credit card account of the cardholder. This same amount is then reflected on the ICICI Bank credit card held by the customer.
    • The Bank will initiate a NEFT transfer in in favour of the other Bank that has issued the credit card from which you wish to transfer the outstanding amount. . This will be credited to the other Bank credit card account of the cardholder. This same amount is then reflected on the ICICI Bank credit card held by the customer.

    Repayment

    There are two types of repayment option for the credit amount that has been transferred. This has to be chosen at the time of availing the Balance Transfer facility

    EMI Balance Transfer

    Under the EMI Balance Transfer facility, the cardholder has to repay the principal + interest in Equated Monthly Instalments. The EMI that has to be paid in a particular month will be reflected in the credit card statement issued by ICICI Bank. The cardholder can authorize the bank to debit the card account automatically, on a monthly basis. Once the payment is made, the credit limit available on the card will be reinstated accordingly. The EMI amount will be added to the prevailing Minimum Amount Due on the ICICI Bank credit Card.

    Flexi Balance Transfer

    Under this method of repayment, the amount that has been transferred from other Bank credit cards will be added to the EMI amount due or the Total Amount Due on the ICICI Bank credit card. The repayment has to be made as the total amount due. The outstanding amount that has been transferred will be charged at the special interest rate quoted by the Bank for Balance Transfer. Other charges and fees on transactions will have the same interest that is applicable by the Bank on the date of transaction. If the ICICI credit card holder has not repaid the transferred amount within the period specified, then standard rate of interest is applicable on the outstanding amount.

    Credit Card Reviews

    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI platinum credit card from last 8 years, they did not charge any annual fee at the time of getting this credit card. ICICI bank provides good services on credit card when compared to all other credit cards. I feel the credit limit of Rs 60000 is less in this credit card. I get offers like cash back and reward points. I use this credit card for my personal use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold a coral credit card with ICICI bank. I get 100 rupees discount with book my show app. I am using this card for more than one and half years. I get reward points with this card. Easy EMI option available. The application of this bank is very good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      I hold a platinum credit card with ICICI bank. They provide movie tickets with book my show app. And an additional cashback of 10% with online web stores. From fuel stations also there is some reverts to my card. The annual charge is 199 rupees.
      Was this review helpful? 0
      , samastipur
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "Great card"
      0.5 4.5/5 "Excellent!"
      I am a privilege customer. ICICI is providing a good service. They could have been more transparent on the reward points. I started my credit card service in 2008 with a platinum card before two years they upgraded to Coral platinum card. If I do 1L as a minimum transaction, the annual fee will be waived off. The customer service and response was pretty good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The ICICI Bank credit card i am using the bank gave me a balance transfer option on the card . Bill payment is easy i can pay through mobile application . It get Reward points on using the card .it is a Platinum credit card i am using from past 1 year and the limit i got on the credit card is 50K and cash withdraw option is also provided for 5K . The Rate of interest is high they are charging .
      Was this review helpful? 0
      , tenkasi
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      I applied for a credit card with ICICI bank and they approved it and I took it from them. I have been using their ICICI titanium credit card for the past 1 year now and till now it is a good card for me. Their customer care is very good. I use it for online, shopping and dining. The annual fees of Rs. 1100 is applied to this credit card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with ICICI bank, its good. I am holding HPCL coral card for 2 years. The reward points and cash backs offers are moderate. It may be domestic credit card. They provided a 24/7 number to reach the customer support. I can redeem the reward points. Bookmyshow movie vouchers option this is the best one
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      As I'm a valuable customer with ICICI bank for around 1.5 years they offered me a credit card which I accepted it and took it from them. ICICI bank gave me a Coral Master credit card. I have been using this card now for around 1.5 years. There are no annual fees applied to this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of ICICI bank, I am holding this card from last 1 year, the services provided by ICICI credit card is good when compared to all other credit cards. They did not charge any annual fee at the time of getting this credit card. I get good offer like buy 1 get 1 on movie tickets but the error pops up as not eligible at the time of availing the offer. I use this card for dining, shopping and petrol. The credit limit of Rs 40000 which is actually less in this card.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "Good one "
      0.5 4.0/5 "Great!"
      My credit card was taken with ICICI bank which was taken 3 months back. They have offered platinum International card and the credit limit was 40,0000 which was not satisfactory . The customer service and responses was good . The validity the card is till 2022. Here the rate of interest and charges are average . My overall experience was good and I would like to recommend to others.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 2.0/5 "Expected more"
      I am using ICICI credit card for a long time. They charge 500 rupees annually, If I don't transact much otherwise it will be waived off. I hold coral credit card. I am getting good reward points and cash back offers. I can redeem the points and the amount will be credited back into my credit limit. The credit limit was not good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.5/5 "Excellent!"
      From the past 2011, i am using the credit card of ICICI Bank . The customer service is really good from the bank side . Bank gave a credit Limit of 35K and cash withdraw option is also there . Balance transfer option was also provided to me . I get Reward points on using the card .there are no Annual charges on the card , it is a platinum card which I am presently using with this bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      As I'm a long time customer with ICICI bank for around 6 years they offered me a credit card and I accepted it and took it. I have been using their coral credit card for 6 years now and till now it is a good card for me. There are no annual fees which is applicable for this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      ICICI bank provides best services on credit card when compared to all other credit cards. I am using this credit card from last 8-9 months. They did not charge any annual fee at the time of getting this credit card. I did not find any offers in this card, i use this card mainly for shopping and i am also fine with the credit limit.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 18, 2017
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I am very much happy with the service of ICICI for my credit card service they provide me good offers with reward points also the customer service was helpful the credit limit they offered me was very good it was totally a wonderful experience with ICICI for my credit card service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 17, 2017
    • ICICI Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      The services at ICICI Bank is good and the experience is overall nice for the credit card. The card is accepted all over and the transactions are smooth. I am also happy with the credit limit and there are no extra charges taken for the card. The billing cycle is also comfortable.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 17, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      As I'm a ICICI bank's savings account holder for more than 15 years they offered me a credit card which I accepted and took it from them. Now I'm using this ICICI bank Platinum Master credit card around 10 years. This is a good card to use. There is no annual fees for this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 17, 2017
    • ICICI Bank Credit Card
      "Good pocket money card and easy to use"
      0.5 4.0/5 "Great!"
      I have Platinum chip credit card from ICICI, its a life time free and there is no joining or annual sub divison charges. They provides 15% discounts on dinning they got tie up with them and if I use my card in shopper stop I get addition 5 to 10% of cash back. Its really good even for the movie ticket like buy one+ get one at bookmyshow.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 17, 2017
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI bank credit card from last 2 years, the services provided by ICICI credit card is comparatively good. They did not charge any annual fee at the time of getting this credit card. I did not find any offers on this credit card. I use this credit card for general purpose and the credit limit is less in this credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 17, 2017
    • ICICI Bank Credit Card
      "Dissatisfied Service on credit card"
      0.5 1.0/5 "Really Bad"
      ICICI provided very least credit limit, initially they told life time free credit card. Now I paid the activation fee around Rs. 600, I spoke with the customer care, they told bank gave me Ferrari card instead of normal card. Customer service is also not professional.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
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