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
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI offered life time free credit card for me. The credit limit is good. I regularly receive reward points but I do not know about cash back offers. I never converted reward points in to cash but I used the points for shopping purpose. ICICI bank is good in terms of credit card services.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      ICICI service is very transparent on credit card part. I am using Coral platinum credit card, I used to get monthly two movie tickets and they giving other offers like air lounge at airport. I used to get good rewards based on the transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Credit limit has to be improved"
      0.5 2.0/5 "Expected more"
      When I swipe my credit card for one time, I could convert amount into an EMI, but total out standing couldn't convert. However ICICI service is good, I used to get cash back but I am unable to use because I don't have pay back card. Credit limit is also low, I requested them to upgrade it but still not yet done.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Need to improve"
      0.5 2.0/5 "Expected more"
      Credit limit offered by ICICI bank credit card is very less and the customer service is an average one . Response is also an average one and they need to improve in every aspects especially they have to work on the increase of credit limit....
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I do have ICICI bank credit card and am using from the last one year of time. Credit limit value is not much one and the offers, response are good one with them. They will extend the credit limit up to the usage of the customer.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 3.0/5 "Satisfactory"
      Having ICICI credit card for more than 6 years. I use net banking to do the credit card payment. I am happy with the credit limit, still they can increase the limit. I get benefits like reward points, cash back offers and other offers with this card. Overall I am happy using this card.
      Was this review helpful? 0
      , kakinada
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 3.0/5 "Satisfactory"
      I have the credit card with the ICICI bank and the services are nice with the ICICI bank. I got the things what I want from them and I been with them from the last one year of time. Customer service is quite nice with the ICICI bank, credit limit they have offered is 30k and its a l life time free credit card.
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      , mumbai
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Looking for the better features"
      0.5 3.0/5 "Satisfactory"
      ICICI was not willing to offer the limit I expect therefore, I would like to switch over to another bank credit card. Even I didn't get any offers expect some vouchers, even that is also not good. I knew ICICI has reward points programme but unable to redeem it. Even their customer service is some what avearge not that great.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      Holding ICICI bank Platinum chip visa credit card for past 6 months. I use this card for shopping, restaurants, for on-line shopping purposes. I also get benefits like reward points and the cash back offers with this card. Overall, I am happy using this ICICI platinum visa card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Looking for the better offer"
      0.5 4.0/5 "Great!"
      ICICI interest rate is high compared to other credit card, for EMI conversion ICICI is taking 13.75% of interest its very high. ICICI not giving any cash back in Amazon or any other online shopping website. ICICI credit limit is good, if its great if they increase the offers.
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      , chennai
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 4.0/5 "Great!"
      ICICI credit card billing option is very good they are giving 45 days of time to make the payment. Grace period duration is good. But ICICI credit limit is not good and it is not sufficient and we don't have option to make payment from one card to one card, that has to be improved.
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      , hosur
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI bank is also very good for the credit card services. They offered good features on the card and I have a lot of benefits if I use ICICI credit card. Reward points and cash back offers are default feature on the card. Moreover, their overall service is too good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good to Hold this card"
      0.5 4.0/5 "Great!"
      Specialty about my Ferrari Platinum credit card has good reward points compared to any other cards, I used to get points for every transactions. I think 1 points - 25 paise its good, this card help me on my needs. I am using this credit card for past two years I got many offers in movie tickets like buy one get one free along with that I used to get payback points, I could redeem for mobile recharge.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      For the past 4 months I hold ICICI Coral credit card. Also the reward points scheme is very much available on this card. I am very much happy with the credit limit which is allocated on my card. I use this card primarily for making payments like Rent, net , bill payment etc. Overall I am completely satisfied using ICICI Coral credit card service.
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      , chennai
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Nice features and services"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for a credit card and the services and response has been really good because the offers they provide on the card is useful and the credit limit is also good enough for me. Till date it has been a smooth sail from the offers to the statements.
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      , pune
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Needs to be improved"
      0.5 2.0/5 "Expected more"
      The annual fee for the credit card is 499 for ICICI card. But the fee is depends on the usage, If I spend more amount within the period then the fee will be waived off for the year. I do not have cash back offers. Also the reward points are good for nothing, I am not able to redeem those reward points. I approached their customer service for the redeemption of reward points, I did not receive response from them. Also they used to provide some offer while availing the card, but the offer has certain limit of period. If we are not utilizing the offer in the period then it will be expired. This information is not been provided to me when I was taking a card. No one from the bank providing complete information to the customers. It would be good if the bank helps me to redeem all the reward points.
      Was this review helpful? 1
      , mumbai
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      ICICI fee and charges is best compared to SBI credit card, I am using ICICI Coral International credit card it has annual charges of Rs.500. But they giving special discounts on flight ticket, movie tickets, shopping malls etc and they provided insurance along with the credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Its convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI Platinum chip master card, I am using it for one year there is no charges for it, its a life time free credit card. They offered the credit limit of 80,000 its good. They used to give cash back for few shopping and I have tie up with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good credit card"
      0.5 5.0/5 "Blown Away!"
      ICICI giving best service on credit card, I am using this credit card for past one year, its a life time free credit card without any annual charges. My credit limit is low they offered only Rs.25,000, ICICI credit card bill is clear without any hidden charges.
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      , kanchipuram
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI Ferrari credit card, there was no charges for it. I used to get discounts on movie ticket, fuel surcharges etc. I have accumulated 5000 reward points, I could convert those points into voucher and do the shopping its really good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    Common Loader Icon

    ICICI Balance Transfer is Rated as "Great!" by 5366 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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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