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
      "Need improvement"
      0.5 1.0/5 "Really Bad"
      The ICICI executive came to my place thrice and collected my documents to process my credit card but after that they haven't gave any response in concern to my credit card application. The customer service and the response need to be improved with ICICI bank. The rate of interest is nominal with ICICI bank.
      Was this review helpful? 0
      , madurai
      Reviewed on Jul 17, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      ICICI provides reward points on my credit card. I am using ICICI card which is a chargeable one. I do not have any accounts with the bank but I got only credit card. The services are good and the bank quoted good credit limit as well. Also I am getting cash back offers.
      Was this review helpful? 0
      , ankleshwar
      Reviewed on Jul 13, 2017
    • ICICI Bank Credit Card
      "Good to Use"
      0.5 4.5/5 "Excellent!"
      I use credit card of ICICI bank for the past one year. The credit limit is pretty good and I use to make the payment before 10 days so I do not default in making the payments. The customer service is also good and I am quite satisfied with their service too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 13, 2017
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The credit card experience is good and there are a good of offers for me. Axis bank has been doing good and they are very much proactive in the services. There has not been issues while accessing my card the credit limit they have offered is one lakhs and I am holding this card for about a year now
      Was this review helpful? 0
      , hisar
      Reviewed on Jul 13, 2017
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      Its a life time free credit card.I use this card with ICICI bank for long time life 15 years Even the customer service is good with ICICI bank there are some offers but I don't check all that.and they have given the grace period of payment of 45 days.
      Was this review helpful? 1
      , valsad
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I applied for the credit card with ICICI bank and they provided the card as a life time free card. The credit limit is quite good as per my requirement. And I am happy with the credit card. It is more comfortable for my usage and there is no issues at all.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Satifactory service"
      0.5 3.0/5 "Satisfactory"
      The first and foremost reason the service is not good with this card they have so much charges if I use this card and the credit limit is also not good, they have just offered 20000 rupees as limit which is not satisfied at all and its chargeable card 299/- and at some places if they don't have ICICI machine there by they dont accept ICICI credit cards too.
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      , hyderabad
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Actually, ICICI bank provides offers more often. They offered credit cards too. The bank is good in providing credit limit because they provided sufficient limit on my card. Once they shifted my account into privileged category, I did not receive any offers from the bank. Previously, I used to get more offers frequently.
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      , visakhapatnam
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Easy to avail ICICI credit card"
      0.5 4.0/5 "Great!"
      I don't get any waiver on my ICICI credit card for the annual fee, but in CITI if I swipe my credit card for Rs.30k they give a waiver on annual charges, that is the draw back. But ICICI customer service is good, I have ICICI customer care mobile number, I could reach their executive they help on queries. ICICI credit card have petrol surcharges option, but I can't utilize the same at all petrol bunks.
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      , pune
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Convenient"
      0.5 4.0/5 "Great!"
      I have EMI credit card with ICICI bank. The limit offered by the bank is good enough. I am using this card on daily basis. Even I have credit cards with other bank. I am getting reward points on every usage and the services of ICICI is good for the credit card.
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      , visakhapatnam
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "Convenient"
      0.5 5.0/5 "Blown Away!"
      I availed credit card from ICICI bank. This is a chargeable card. I am very convenient with the bank in using the card. I have reward points and cash back offers on my card. Till date, I do not have any kind of issues with the bank at any point of time.
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      , mumbai
      Reviewed on Jul 12, 2017
    • ICICI Bank Credit Card
      "No offers for credit card user"
      0.5 3.0/5 "Satisfactory"
      I cant redeem my points easily in ICICI, there is no online options. So far I didn't get any cash backs its not upto the mark. I have been using it around two years. Their credit limit is nominal but they asked me to upgrade it but not interested to continue with them.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 11, 2017
    • ICICI Bank Credit Card
      "Be customer oriented"
      0.5 3.0/5 "Satisfactory"
      Initially I was informed that I will get more benefits on my credit card so I applied for the card and got it but after taking the card, they are telling different and there is no benefits on my credit card. They should not provide wrong commitments in order to make the customers to get the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 11, 2017
    • ICICI Bank Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      ICICI credit card works well, but it has lower credit limit, I am getting petrol surcharge and movie ticket at my bookmyshow. ICICI is also providing air lounge facilities and dinning and shopping offers. It has many add on features even there are no hidden charges as well. However it would be great if they provide a detailed description about the transactions (i.e) spends and repayments.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Jul 11, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The rate of interest is high with ICICI bank Coral VISA credit card. I am holding a coral card for past 2 years. I am happy with the credit limit, The customer service and the response is good with ICICI bank. The service provided by ICICI bank is good.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 10, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I do have ICICI bank credit card from the last 2.5 years of time. The services are good one with the ICICI bank credit card. They used to give some general offers , also they are providing fifty days of time as the cooling period to make the payment the credit limit is around 50000 rupees.
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      , hyderabad
      Reviewed on Jul 10, 2017
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      ICICI bank has offered me a credit card and the limit they have provided is satisfactory like 75000 rupees. But I do not use the card much it is only for emergency purposes.Based on home loan they have offered me this credit card I am happy with their services and the response overall
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      , navi mumbai
      Reviewed on Jul 09, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using a basic credit card with ICICI bank. I am having ICICI bank Coral Visa credit card for past 2 years. Benefits are very less in this card. I am happy with the credit limit. The rate of interest is nominal , because I do the payment on time. I am happy and satisfied using this coral card.
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      , hyderabad
      Reviewed on Jul 07, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 4.0/5 "Great!"
      I have ICICI coral visa credit card,whenever I fill petrol in HP bunks they gives surcharges and cash back offer. ICICI is also giving good reward points for all transactions. Even the credit limit is satisfactory and happy to hold my ICICI credit ca rd for all transactions.
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      , kolkata
      Reviewed on Jul 07, 2017
    • ICICI Bank Credit Card
      "Prompt Service"
      0.5 5.0/5 "Blown Away!"
      I am using a life time free credit card with ICICI bank. The bank is providing reward points and cash back offers on my credit card. It is good for the usage and the credit limit is fine. I hold savings account with the same bank. All their services are good.
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      , hyderabad
      Reviewed on Jul 07, 2017
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    ICICI Balance Transfer is Rated as "Great!" by 5578 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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