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  • ICICI Bank Ascent American Express® Credit Card
    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
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      ICICI credit card service is good, they are providing pay back points according to the total points. I can purchase anything through pay back site. Customer service is good, they are friendly and helpful. Its a life time free credit card it has a good lower limit other credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI credit card for last 10 years. I use CORAL credit card. I get good benefits and discounts on the card. The interest rate was average for the credit card. There is no annual fee for this card. I am not satisfied with the credit limit, I would appreciate if they can increase my limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Charges should be waived off"
      0.5 2.0/5 "Expected more"
      ICICI is not upto the mark, they charge more fee on the credit card transaction. They never waive off any penalty and more over they wont respond to the customer's query. Finally I have close the credit card by paying all the outstanding dues.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Wonderful Credit card"
      0.5 5.0/5 "Blown Away!"
      Since ICICI banking process stands for number one services I have taken ICICI bank coral master credit card All the Bill payments,On line Transactions ,Booking movie tickets with the Book My Show App were I am getting Buy 1 and Get 1 booking offers and rewards points of 150 is being credited like discount offers like You can use this as Pay Back offer for next time usage ,International Airport lounge facilities is being provided with this coral card, On line shopping is good ,Overall the ICICI banking services is wonderful .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 3.5/5 "Pretty good"
      I have got the ICICI CORAL VISA CREDIT CARD for the past 2 years. The credit limit value is average with this card and I use this card very rarely. Basically I use this card for the shopping, online purchases and for other usages. It would be good if they can upgrade the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken from ICICI Bank and using it for last 2.5 years. I have a CORAL credit card. The customer service was easily approachable and no issues. The credit limit was happy. They charge annual fee of 500 rupees. They provide good offers as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I already have a salary account with Icici credit card team. I am comfortable with the credit limit offer by Icici and the customer support is good with Icici. I am not much interested with any offers,it is a average experience with Icici savings account service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It is a best experience with Icici credit card department. The customer support is good with Icici credit card department. I am comfortable with the credit limit from Icici credit card team. It is a excellent service from Icici credit card department.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Very good"
      0.5 3.5/5 "Pretty good"
      I have my credit card with ICICI bank for about 3 years . I hold coral International card and the credit limit was 75,000 which is satisfactory . Their customer service and responses was really good. I am getting payback points as benefits. The fees and charges are very much average..
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank. The given credit limit was 2.2 lakhs which is satisfactory . I hold Rubyx International card and I am happy with the reward points I get as benefit. I am satisfied with the customer service and responses here. My overall experience is excellent.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and the banking services are good. It is a life time free card and the offers and credit limit is also fine and there are no hassles while using the card. There are good offers as well and benefits on the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Services are good"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and the banking services are good. There are offers and it has not been any issues while using the card today. The credit limit is good and they are prompt to all my queries. Till date it has been good and satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I also bank with ICICI bank for a credit card. They are providing good services and the response is also good. The billing is also on time and there are no charges taken for the card. There are offers and the credit limit is to my satisfaction. In all no issues.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Need Improvement"
      0.5 2.0/5 "Expected more"
      The ICICI bank credit card service not up to the mark. They charges too much of additional charges and the late fee is very high with the ICICI BANK PLATINUM CHIP CREDIT CARD. The credit limit value is average with this ICICI BANK PLATINUM CHIP CREDIT CARD.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Good card with ICICI"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI with a limit of 60000 and i am happy with my limit. I have done some purchases using the card. I have not checked for the reward points and cash back with the card. There is an annual charge of 500 is there with then card. With book my show app there is some offer for ICICI card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Not satisfied with the limit"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with ICICI bank and the limit i got with ICICI is 30000. I am not satisfied with the limit. There is no annual charge with the card. I have not yet contacted the customer service with the card. The application which i am comfortable with is the i mobile of ICICI bank.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The ICICI bank has offered me a Insta credit card LOAN and I have got the loan amount of Rs,80,000 in a single day. The customer support service is good with the ICICI bank . The rate of interest and the charges are average with the ICICI bnak Insta credit card LOAN.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      Its been for the past 1 year , I use the ICICI BANK PLATINUM CHIP CREDIT CARD, but still they haven't increased my credit limit value, they have offered me the credit card with the limit of Rs,40,000 and they have increased up to Rs ,48,000, they need to increase the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Holding the ICICI bank PLATINUM CHIP CARD for more than 5 years. This card is used for bill payments, restaurants bills , online shopping and for other usages. I am satisfied with the credit limit value with the ICICI bank PLATINUM CHIP CREDIT CARD.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      The credit card with ICICI Bank is charged a fee of 1K annually. Though the fee is a bit high, I get vouchers. So I am okay with it. The credit limit is of 60k. The customer services and response is good and they are reachable to sort out a query. Overall no issues.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 19, 2018
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