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
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI offered life time free credit card for me. The credit limit is good. I regularly receive reward points but I do not know about cash back offers. I never converted reward points in to cash but I used the points for shopping purpose. ICICI bank is good in terms of credit card services.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      ICICI service is very transparent on credit card part. I am using Coral platinum credit card, I used to get monthly two movie tickets and they giving other offers like air lounge at airport. I used to get good rewards based on the transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Credit limit has to be improved"
      0.5 2.0/5 "Expected more"
      When I swipe my credit card for one time, I could convert amount into an EMI, but total out standing couldn't convert. However ICICI service is good, I used to get cash back but I am unable to use because I don't have pay back card. Credit limit is also low, I requested them to upgrade it but still not yet done.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Need to improve"
      0.5 2.0/5 "Expected more"
      Credit limit offered by ICICI bank credit card is very less and the customer service is an average one . Response is also an average one and they need to improve in every aspects especially they have to work on the increase of credit limit....
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I do have ICICI bank credit card and am using from the last one year of time. Credit limit value is not much one and the offers, response are good one with them. They will extend the credit limit up to the usage of the customer.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 3.0/5 "Satisfactory"
      Having ICICI credit card for more than 6 years. I use net banking to do the credit card payment. I am happy with the credit limit, still they can increase the limit. I get benefits like reward points, cash back offers and other offers with this card. Overall I am happy using this card.
      Was this review helpful? 0
      , kakinada
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 3.0/5 "Satisfactory"
      I have the credit card with the ICICI bank and the services are nice with the ICICI bank. I got the things what I want from them and I been with them from the last one year of time. Customer service is quite nice with the ICICI bank, credit limit they have offered is 30k and its a l life time free credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Looking for the better features"
      0.5 3.0/5 "Satisfactory"
      ICICI was not willing to offer the limit I expect therefore, I would like to switch over to another bank credit card. Even I didn't get any offers expect some vouchers, even that is also not good. I knew ICICI has reward points programme but unable to redeem it. Even their customer service is some what avearge not that great.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      Holding ICICI bank Platinum chip visa credit card for past 6 months. I use this card for shopping, restaurants, for on-line shopping purposes. I also get benefits like reward points and the cash back offers with this card. Overall, I am happy using this ICICI platinum visa card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Looking for the better offer"
      0.5 4.0/5 "Great!"
      ICICI interest rate is high compared to other credit card, for EMI conversion ICICI is taking 13.75% of interest its very high. ICICI not giving any cash back in Amazon or any other online shopping website. ICICI credit limit is good, if its great if they increase the offers.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 4.0/5 "Great!"
      ICICI credit card billing option is very good they are giving 45 days of time to make the payment. Grace period duration is good. But ICICI credit limit is not good and it is not sufficient and we don't have option to make payment from one card to one card, that has to be improved.
      Was this review helpful? 0
      , hosur
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI bank is also very good for the credit card services. They offered good features on the card and I have a lot of benefits if I use ICICI credit card. Reward points and cash back offers are default feature on the card. Moreover, their overall service is too good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good to Hold this card"
      0.5 4.0/5 "Great!"
      Specialty about my Ferrari Platinum credit card has good reward points compared to any other cards, I used to get points for every transactions. I think 1 points - 25 paise its good, this card help me on my needs. I am using this credit card for past two years I got many offers in movie tickets like buy one get one free along with that I used to get payback points, I could redeem for mobile recharge.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      For the past 4 months I hold ICICI Coral credit card. Also the reward points scheme is very much available on this card. I am very much happy with the credit limit which is allocated on my card. I use this card primarily for making payments like Rent, net , bill payment etc. Overall I am completely satisfied using ICICI Coral credit card service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Nice features and services"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for a credit card and the services and response has been really good because the offers they provide on the card is useful and the credit limit is also good enough for me. Till date it has been a smooth sail from the offers to the statements.
      Was this review helpful? 0
      , pune
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Needs to be improved"
      0.5 2.0/5 "Expected more"
      The annual fee for the credit card is 499 for ICICI card. But the fee is depends on the usage, If I spend more amount within the period then the fee will be waived off for the year. I do not have cash back offers. Also the reward points are good for nothing, I am not able to redeem those reward points. I approached their customer service for the redeemption of reward points, I did not receive response from them. Also they used to provide some offer while availing the card, but the offer has certain limit of period. If we are not utilizing the offer in the period then it will be expired. This information is not been provided to me when I was taking a card. No one from the bank providing complete information to the customers. It would be good if the bank helps me to redeem all the reward points.
      Was this review helpful? 1
      , mumbai
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      ICICI fee and charges is best compared to SBI credit card, I am using ICICI Coral International credit card it has annual charges of Rs.500. But they giving special discounts on flight ticket, movie tickets, shopping malls etc and they provided insurance along with the credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Its convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI Platinum chip master card, I am using it for one year there is no charges for it, its a life time free credit card. They offered the credit limit of 80,000 its good. They used to give cash back for few shopping and I have tie up with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Good credit card"
      0.5 5.0/5 "Blown Away!"
      ICICI giving best service on credit card, I am using this credit card for past one year, its a life time free credit card without any annual charges. My credit limit is low they offered only Rs.25,000, ICICI credit card bill is clear without any hidden charges.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on May 25, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI Ferrari credit card, there was no charges for it. I used to get discounts on movie ticket, fuel surcharges etc. I have accumulated 5000 reward points, I could convert those points into voucher and do the shopping its really good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
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    ICICI Bank Ascent American Express® Credit Card

    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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