Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • ICICI Bank Ascent American Express® 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 07, 2017
    Common Loader Icon

    ICICI Bank Ascent American Express® Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    ICICI Bank Ascent American Express® Credit Card is a co-branded card issued by ICICI Bank. This card offers great benefits and attractive rewards to the cardholders. The Rewards Catalogue is highly exclusive and offers products ranging from fragrances to fashion, holidays, dining, gadgets, home entertainment, etc. This card’s availability is limited only to existing customers.

    Benefits of ICICI Ascent American Express® Credit Card:

    • 4000 reward points can be availed by the cardholder, as a welcome gift.
    • On every Rs. 200 spent on making purchases at departmental outlets, dining, buying air tickets online or through airline offices, international purchases, etc. earn 6 hand-picked rewards.
    • On every Rs. 200 spent on making purchases worth up to Rs. 2.50 lakhs, at departmental outlets, dining, buying air tickets online or through airline offices, international purchases, etc. earn 6 hand-picked rewards.
    • On every Rs. 200 spent on other products and services earn up to 3 hand-picked rewards.
    • Cardholders can also enjoy the benefit of availing 12 hand-picked rewards when they make purchases worth Rs. 200 on accelerated spends, i.e., on every Rs. 200 on spends above Rs. 5 lakhs in an anniversary year.
    • Get amazing ‘Lifestyle Benefits’ on the card, such as discounts and vouchers on shopping, golf, movies and dining, etc.
    • Avail travel benefits such as free lounge access at airports, fuel surcharge waiver and other discounts on fuel purchases.

    Features of ICICI Bank Ascent American Express® Card:

    i-Assist:

    Those who have an ICICI Bank Ascent American Express® Credit Card can enjoy a personal concierge service from ICICI Bank, called i-Assist. This is available around the clock and offers assistance in matters such as restaurant reservation, travel booking, flower/gift delivery, emergency assistance including medical services.

    Revolving Credit Facility:

    When the customer receives the credit card statement, he/she has multiple options available for paying the amount due. The customer can pay the entire amount due on his/her card, pay the minimum amount due or pay any amount that lies between the minimum amount due and the total amount due. When the total amount due is not paid in its entirety then, the remaining amount will be carried forward to the next billing cycle.

    Auto Debit Facility:

    Through the auto debit facility available on this card, you can place a standing Instruction with the bank to make monthly payment of a certain amount to their credit card bill, directly through their linked bank account.

    Global Acceptance:

    This card is accepted in merchant outlets worldwide.

    Fees and Charges:

    Joining Fee Rs. 4000 (one-time only)
    Annual Fee

    First year - Nil

    Second year onwards - Rs. 1000

    Add-on card Fee Nil
    Overdue interest on extended credit 4.80% annually
    Interest on cash advances 4.80% annually
    Cash Advance Transaction Fee 2.50% of the cash advanced or a minimum of Rs. 300, whichever is the highest
    Handling Fee for redemption of rewards Rs. 99
    Dial-a-draft transaction fee 3% of the value of the draft or Rs. 300, whichever is the highest.

    ICICI Bank Ascent American Express® Card FAQs:

    1. Can I pay more than the total amount due?

      Yes, you can pay more than the total amount due. This would be carried forward to your next month’s credit card statement and will be adjusted against any other spends made on the card.

    2. How can I update my email id or phone number associated with the credit card?

      In order to change your registered email id or phone number, you have to directly visit an ICICI Bank branch and place a request for updating the same by providing the required information.

    3. Can I set a spend limit on my ICICI Bank Ascent American Express® add-on Credit Card?

      Yes, you can set a spent limit on your ICICI Bank Ascent American Express® supplementary Credit Card on a monthly basis and if a transaction exceeds this limit, it will be automatically declined.

    4. How can I enable the auto-debit facility?

      In order to enable the auto-debit facility, all you have to do is submit a written request directly in any branch of the bank or inform the customer care at ICICI, to debit the payment to your credit card account.

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