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
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The banking services with ICICI is very good when it comes to Credit card service. When it is compared to other banks I feel that the fee and charges applied on my Coral credit card is quiet normal. The offers were good on some aspects, I was not provided with any reward points and cash back offers I am happy with the offers provided on my card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      ICICI gives me more reward points for credit card spent and basically for the fuel filling, I used to receive good points. I could redeem only into a voucher like sodexo, pizza hut etc. Credit limit which ICICI bank have provided me its good and fine.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI credit card for past two years, but so far I didn't get any reward points or any cash back from them and also they offered me lower credit limit, I have requested them to increase the limit but was no response from their end. I am very disappointed with such of response.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Not recommendable"
      0.5 1.0/5 "Really Bad"
      I had a terrible experience with ICICI Bank. I had a credit card and I have cleared all my dues in 2008. After six years the bank still takes a payment of 6K from me. The bank has not been professional and I would never want to recommend them to others.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I got very good service from ICICI bank credit card department. I use the platinum chip credit card with ICICI bank for past 7 months. I have got the credit limit of Rs.20,000 and I would say they need to increase the credit limit in future. I am happy using the ICICI bank credit card .
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      The Coral Visa credit card is used by me for more than 3years. The customer service need to be improved ICICI credit card department. This card is used for shopping, purchases, online games and bill payments, The rewards point cash back offers are available with this card but I never used it. The credit limit is low with this card, they need to increase the credit limit as soon as possible.,
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Unhappy with the services"
      0.5 2.0/5 "Expected more"
      Couple of occasions, I had faced some challenges using my ICICI bank credit card. I had made the payment late once, the actual payment due date was 16th of the month . I had made the payment on 17th morning and its because of which the bank levied some charges. I had asked them to waive off the charges but the bank denied despite holding an account with the same bank for 17 years the bank did not consider my request therefore I am completely unhappy with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a ICICI bank coral visa credit card for past 6 years. I use this card for shopping, bill payments and for other fuel purchases. I am happy with the credit limit. There is no annual fee at all for this card. I am satisfied using the coral credit card from ICICI bank.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken my credit card with ICICI bank.Here the process for credit card was quick and hassle free than other banks. I have linked my salary account with credit card to make my payment process easy but this option is not there with other banks. Their customer service and responses was up to the mark.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      I have taken my credit card with ICICI bank and using it for about 2 years . I don't feel that's its convenient comparing to HDFC's credit card. Here payback points will be added to my account and I could use that points on bill payments , recharges , eBay and Vodafone.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using the ICICI bank coral Visa credit card for past 3 years. I use this card for all type purchases ,shopping and for other expenses. The reward points, cash back offers are available with this card. There is no annual fee for this card. I would say I am satisfied with the credit limit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Decent offers"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank has provided me with a credit card and the offers on the card is also good. There are a lot of deals which come through and I am very much informed about the same. The online banking is good and very much easy to make my payments. The limit is also good.
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      , hyderabad
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      Service was very good from ICICI ,but when it comes to offers I wont get much,but the customer support and other representatives were very helpful also I can use my ICICI credit card anywhere and I uses platinum card ,so overall service was good from ICICI .
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      Service was very excellent from ICICI ,even the offers I use to get regularly I feel the rate of interest was high with my ICICI platinum card. Customer support and other representatives were very helpful also I can use my ICICI credit card anywhere ,so overall service was good from ICICI .
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      , new delhi
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      It was good banking with ICICI they give good reward points on each transaction .They have provided many offers the card which i am holding is a rewards card with much benefits and no GST is deducted during all my transactions like other .I am a existing customer of ICICI .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "Very good features"
      0.5 5.0/5 "Blown Away!"
      The offers on my credit card is good and there are no issues while using them. ICICI Bank has been the best for me as they are transparent in the process. The charges are clear and they have a very flexible billing cycle. The online banking is also good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "Average card"
      0.5 4.0/5 "Great!"
      ICICI Bank credit card is a kind of average. The reason being what ever features were mentioned online I had got the same features and I had opted for the same . Drawback is not that much also I am very much happy with the line of credit provided by ICICI Bank too.
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      , pune
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "Satisfied with the limit"
      0.5 5.0/5 "Blown Away!"
      The credit card limit is good at ICICI Bank and the services are good as well. Though I am not getting any much offers. I still like the support I get. The bank has enhanced my credit limit when I asked them to do so. The statements are clear and on time.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Having the ICICI bank Coral VISA credit card for past 2years. I use this card for online shopping, fuel purposes and for others uses. This card has the reward points and the other online offers but I don't use them , I can say good to have a handy credit card with ICICI bank. I am happy with the credit limit. I pay the annual fee of Rs.500.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "Good services"
      0.5 4.0/5 "Great!"
      The deals at ICICI Bank for my credit card is good. The bank provides the best and they also have good customer services. The offers I get online at Ecommerce portals and other deals are satisfactory. There are no charges for my card and the transactions goes through without any technical errors.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 18, 2017
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    ICICI Bank Ascent American Express® Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    ICICI Bank Ascent American Express® Credit Card

    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 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.
    • Make travel bookings, restaurant reservation and have more of your errands completed through the i-Assist program.

    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.

    Pay with any mode:

    Cardholders can pay the ICICI Bank Ascent American Express Card bills through any modes they have easy access to.They can choose through Cash, Auto-debit, NEFT/Click to Pay, or Cheque/draft - whichever mode they are comfortable with.

    Fees and Charges of ICICI Bank Ascent American Express® Card

    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 3.40% monthly; 40.80% annually
    Interest on cash advances 3.40% monthly; 40.80% 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?
    2. 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.

    3. How can I update my email id or phone number associated with the credit card?
    4. 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.

    5. Can I set a spend limit on my ICICI Bank Ascent American Express® add-on Credit Card?
    6. 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.

    7. How can I enable the auto-debit facility?
    8. 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.

    Top Credit Cards by American Express:

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