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    ICICI Bank Ascent American Express® Credit Card Reviews

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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

    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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