Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Credit Card Reviews

    • ICICI Bank Credit Card
      "Average "
      0.5 3.0/5 "Satisfactory"
      ICICI Bank is also not up to the mark in the credit card. The one thing I do not like is the bank uses the third party servers for payments and that is not safe. The transaction needs to be more secured. There are charges for the card and in all not that happy to use it.
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      , mumbai
      Reviewed on Sep 23, 2017
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was an very good experience from ICICI , I never had issue with their service till now so till now I never talked with their customer service . I never got any offers from them , overall it was a good service from ICICI bank for my credit service.
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      , hyderabad
      Reviewed on Sep 23, 2017
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      ICICI bank has offered me credit card but the offers need an improvement on it. It is a average experience when I compare my card with another bank. The credit limit is also not up to the mark and it would be better if the overall experience is improved.
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      , faridabad
      Reviewed on Sep 23, 2017
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      ICICI bank has offered me credit card but the offers need an improvement on it. It is a average experience when I compare my card with another bank. The credit limit is also not up to the mark and it would be better if the overall experience is improved.
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      , faridabad
      Reviewed on Sep 23, 2017
    • ICICI Bank Credit Card
      "Comfortable credit card"
      0.5 5.0/5 "Blown Away!"
      With ICICI BANK i hold a credit card where my limit is 70000. I am satisfied with my current limit. The rate of interest for my credit card is 13 percentage minimum of 6 months. I used to get some reward points at the time of my purchase. The payment and mobile banking options are really good.
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      , faridabad
      Reviewed on Sep 22, 2017
    • ICICI Bank Credit Card
      "Very good services"
      0.5 4.0/5 "Great!"
      ICICI Bank has also offered me a credit card and the banking services are good on the card. The offers are good and the statements are clear and on time. There has been no issues when ever I used my card. Till date it is a nice experience overall. The limit is also good.
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      , chennai
      Reviewed on Sep 22, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I am using ICICI bank credit card form the last 1.5 years of time. Credit limit value is up to the enough extent one for me. I would like to say that the customer service is good one with them and their response is also fine one for me.
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      , chennai
      Reviewed on Sep 22, 2017
    • ICICI Bank Credit Card
      "Offers are good"
      0.5 4.0/5 "Great!"
      The best about ICICI Bank is the instant approval for a loan on the credit card. There are no documents involved and I only have to apply for it online and the funds gets credited in my account. There are annual charges on the card as well. Good overall.
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      , faridabad
      Reviewed on Sep 22, 2017
    • ICICI Bank Credit Card
      "Credit card"
      0.5 4.0/5 "Great!"
      The most interesting part of ICICI was, they have accepted my personal loan request and processed the loan on time. They offer good services. I do get special discount 10% to 15% make my trip it is applicable on a case to case basis and they provide seasonal offers too on my credit card.
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      , ghaziabad
      Reviewed on Sep 22, 2017
    • ICICI Bank Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      My credit card is with ICICI Bank and it is comfortable to bank with them. The transactions are smooth and there are no hassles in the charges or the statements. There are various deals and I get intimated about it. They also have the basic features.
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      , pune
      Reviewed on Sep 22, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am having the credit card with the ICICI bank and am using it from the last one year of time. Response is great one and the customer service aspects are also good one and I have not faced any issues on it.
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      , chennai
      Reviewed on Sep 22, 2017
    • ICICI Bank Credit Card
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      I am having the ICICI bank credit card from the last four months of time. Services are good one with them and their customer service too. Response and other things are also really a good one with them. Credit limit value is around 30000 Rupees.
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      , madurai
      Reviewed on Sep 22, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card is good and ICICI Bank is great in this product too. The services are good and they are responsive as well. They had not taken any hidden charges and the credit limit is perfect for me. There are rewards which can be redeemed.
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      , thane
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      Using the ICICI bank Coral master credit card for past 1year. The customer service is good with Credit card department. I use this card for bill payments, dinning, shopping's and for other usages. I am not satisfied with the credit limit , but they have offered me loan on basis of credit card.
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      , hyderabad
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      There could be more offers in the ICICI Bank credit card and the limit could also be more enhanced. The customer services are good. There could be great in the deals and other online features. There are normal charges for the card and the overall it is good.
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      , greater noida
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I have taken my credit card with ICICI bank. They have offered coral card and 1.26lacks is the limit for that. I am using it for about 10 years still they have not increased the limit. I am satisfied with their rate of interest and fees and charges. My overall experience was good.
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      , sonipat
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      My credit card process is with ICICI Bank and the bank is doing great on this process too. There are regular offers and the credit limit is perfect. The customer support team is also easy to connect with and they sort out the details on time and without any inconvenience.
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      , mumbai
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My saving account is with ICICI bank . It was my salary account before now I have converted that to my saving account. They have offered RUBY card and the benefits are more or less as standard charter bank. They have to improve their customer service and responses because they kept me on hold for a long when I was enquiring.
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      , sonipat
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Convenient for transaction"
      0.5 5.0/5 "Blown Away!"
      I have life time free credit card with ICICI, I have some reward points but still I didn't redeem it. I am not sure about the cash back offers I haven't tried it but its a good credit card. Interest rate is huge hence I didn't go head for the upgrade of my credit limit.
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      , chennai
      Reviewed on Sep 21, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      i have been using ICICI bank rubyx credit card for 15 years and it has been a great experience with then . i have online payment option with the icici bank and i get good offers on my credit card . the customer service of ICICI BANK Credit Card department is great the resolve customer query in a given time time line and also they give equal acknowledgement to every single customer .
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      , hyderabad
      Reviewed on Sep 21, 2017
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    ICICI Balance Transfer is Rated as "Great!" by 5982 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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.

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