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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:

    ICICI Bank Ascent American Express® Credit Card Reviews

    • ICICI Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the ICICI bank platinum chip visa credit card for fuel purposes, I pay the bills and the purchases with this card. I am satisfied with the credit limit with ICICI bank Platinum chip credit card. The customer support is good with the ICICI bank credit card department,
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 23, 2017
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with ICICI Bank. I am holding Platinum credit card for 6 months. The card is mostly used for online shopping and purchasing. They charge annual fee on this card. I make the payment through online banking. No idea about the interest rate.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 23, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I am having the ICICI bank credit card and the customer service is good one for me. I would like to say that everything is good one with the ICICI bank credit card and I have not faced any issues with them. Service aspects are really better one.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 23, 2017
    • ICICI Bank Credit Card
      "Easy option"
      0.5 5.0/5 "Blown Away!"
      Recently I applied for ICICI credit card, they just approved my credit card within a day. There will be some joining fee around Rs. 200 it can waive for some offer. But I didn't get the credit card yet, they told I will receive the credit card within one week of time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 23, 2017
    • ICICI Bank Credit Card
      "Need to improve customer service"
      0.5 3.0/5 "Satisfactory"
      I have taken a credit card with ICICI bank.The limit on the card is 50,000 I should pay an annual fees card, it gets waived off if i show a spend of 30,000 within a year.The card type is Ferrari card,i got Ferrari coupons as complimentary service.The customer service did not respond on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      The services on the credit card is also good at ICICI Bank. There are much of offers and there are no hassles while using it. I am happy with the overall experience. The credit limit is also satisfactory and there are no hidden charges on this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been banking with ICICI bank for last two years.The limit on the card is 83,000 am happy with the limit given to me but expected more. I have not used any offers so far.I get my card statement through online as soft copy as its very secured to open.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Its Fine"
      0.5 5.0/5 "Blown Away!"
      ICICI service is not good, when I reach their customer care to get user id and password to log netbanking. I could not reach them, IVR helpline should be improved. Credit card has also nominal offers but still I am holding ICICI credit card its fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Need better offers"
      0.5 2.5/5 "Just OK"
      ICICI credit limit is good but I didn't get any value offers from them. I am using ICICI credit card for past three years. Interest wise is common as other bank, I would like to suggest their offers part should be improved, and they should get tie up with online merchandise they give good cash back offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I got the ICICI bank platinum chip credit card around 2 months ago. The customer support is good with the ICICI bank credit card department. I don't use this card much but my brother use this card . I am not satisfied with the credit limit , still they need to increase the credit limit in future.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Not got the promised offer"
      0.5 2.0/5 "Expected more"
      The main reason I took the credit card from ICICI Bank because I prefer the movie ticket offer. There was a offer one plus one. After taking the card, I have never been able to utilize the offer as it is not available. I am not happy as I did not get the promised deals.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank 1 year back .The credit limit was 60,000 and I hold platinum visa International card. I am getting rewards points here . The interest rate and charges are average. The customer service and responses was satisfactory . My overall experience was very good and Its recommendable.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Very good services & benefits"
      0.5 5.0/5 "Blown Away!"
      I am getting a proper service for the credit card from ICICI Bank. There is a cash back offer of 5% on movie tickets and the credit limit is good overall. The card can be accessed at all out lets and online as well. The customer services are good overall.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "IVR should be improved"
      0.5 3.0/5 "Satisfactory"
      I am not using ICICI credit card frequently because I cant use the card for the online shopping. Because my contact number was not updated. They don't have option to update the contact information through netbanking. I should visit the bank only. Even their phone banking is not upto the mark, IVR number is not reachable.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Good limit with them"
      0.5 5.0/5 "Blown Away!"
      I recently got a Credit Card from ICICI and the experience with them has been good. The process for applying the card was very simple and it didn't involve huge documentation. Apart from this the Credit Limit offered to me also is pretty good of Rs.1 Lakh.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Very good services & benefits"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is overall good and there are no hassles in banking with them. I hold a credit card and the card is a life time free card. The credit limit is good and it is worth holding this card because I get back a lot of rewards for the amount I spend on.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      ICICI credit card service was not good as I expected from ICICI the customer service was fine the credit limit they offered me was fine and the customer service was good the interest and charges was also good with icici it was a average service from icici for my savings account service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank credit card can be accessed any where and there are no hidden charges. It has been a good experience and there is no inconvenience faced till date. The credit limit is good and the bank updates me with the necessary details as and when in need.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 21, 2017
    • ICICI Bank Credit Card
      "Platinum credit card"
      0.5 4.0/5 "Great!"
      I am holding a platinum credit card with ICICI bank. I used to get reward points.I have redeemed my points to buy products from the ICICI website. The customer service and response with the bank is good. the annual charge is 500 rupees.The application is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 21, 2017
    • ICICI Bank Credit Card
      "Very good services & offers"
      0.5 5.0/5 "Blown Away!"
      I am getting pretty good offers on the credit card of ICICI Bank. I get the movie tickets and rewards. There is a annual fee for the card and the bank is excellent in the customer services as well. I can connect with them easily and the credit limit is also good.
      Was this review helpful? 0
      , panchkula
      Reviewed on Nov 21, 2017
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