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  • ICICI Bank Ascent American Express® Credit Card

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    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
      "Not recommendable"
      0.5 2.0/5 "Expected more"
      The problem with the ICICI, once i cleared the outstanding the amount only they will increase the credit limit. I have paid the outstanding amount completely. Even though they have not increase my credit limit. More than 1.5 years i have bee using this card. They have given me a credit limit of Rs. 20000 which is very less. I'm regular user ICICI bank account, even though they did not increase the limit.
      Was this review helpful? 0
      , durgapur
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Netbanking has to improve"
      0.5 5.0/5 "Blown Away!"
      I don't remember about the annual fee of ICICI. All the time i need purchase a bulk, i will convert into EMI. I used to call the customer care service to convert into EMI. Even there is no much offers on online. If i need to get a credit card net banking, then i have visit the branch and i need to give a written request. It has to be improved.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      It has been almost 4-5 months i have been holding this card and the services which they had been providing had been good so far. They also had been provided me with a very good credit limit as well and i had been using the card for shopping and all other purchases. The card has been having good features and benefits with the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I was looking for a card from this bank and the card has been the best option. The process in getting the card has been very good and the card has reached on time as well. The credit limit with the card has not been as expected. I have started using the card for my purchases and i am suggesting that the card should be free without any annual fee.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      They had been providing with a very good service so far. There has been good benefits and features with the card as well. The credit limit with the card also had been very good as well. I had been using the card for shopping and all other purchases as well. There has not been any issues faced withe the banking services so far.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Really Good"
      0.5 5.0/5 "Blown Away!"
      They had been providing me a very good service so far. The credit limit with the card has been very good and i have been using the card for shopping and all other purposes as well. Everything had been good with them and there has not been any issues so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "ICICI credit card"
      0.5 3.0/5 "Satisfactory"
      For my ICICI bank credit card i have not yet received much offers. There is an annual charge with the card. The reward points will be added if the purchase is done. Anyway the limit with the card is fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Average Service"
      0.5 2.0/5 "Expected more"
      I've been using the IICICI Platinum Credit card for a while. Its been alsmot 3 months, I haven't used the card to its full extend till now.. The limit is very low. Planning to cancel the card if they're not willing to increase the limit. This is just like any other cards you can find in the market.
      Was this review helpful? 0
      , noida
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have been holding the card for the last 3-4 years and it had been my first card and they had been the best in everything. The customer support had been proper and they had been available every time. They had improved their services a lot now. There has not been any kind of issues faced with the banking services of them so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      It has been almost more than a year i have been holding this card. The card has been provided me with a very good credit limit and there also had been good offers with the card as well. There has not been any kind of issues so far faced with the banking services of them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have been holding the card for the last one year and the services which have been provided by them had been very good. They also had been given with a very good credit limit and there also had been very good features and benfits with the card as well. I have been using the card for shopping and all other purchases as well. There has been a lot of offers available with the card like Uber vouchers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I have been holding the card for the last 15 years and the card has provided me with a very good credit limit and there also had been very good offers with the card as well. The services which had been provided by them had been been very good and there has not been any issues so far with their banking services.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I have been holding the card for the last three and a half years, and they had been provided with a good credit limit and there also had been good benefits and features with the card as well. I have been using the card for shopping and all other purchases and for booking tickets as well. There has not been any issues so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the ICICI Platinum credit card for 4 Months, The experience is good. I got a better limit of 1 lac. I Haven't used the card much. Overall it has been a good experience with the card. I need to wait and see how it works out for me in future.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      ICICI bank provides best services on credit card when compared to all other credit cards. I am using this credit card from last 5-6 months and i am happy with the credit limit in this credit card. I get offers like buy 1 get 1 movie tickets in this credit card and there was no annual fee charged for this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have a Icici Platinum credit card, the limit they have offered me on the credit card is good, I am happy with the services of the card as well, and there few offers and benefits on the card as well. It has annual charges but first year it was free.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with ICICI bank from last 3-4 months, offers like cash back and reward points are good in this credit card. There was no annual fee charged for this credit card. I have not issues on any transactions with this credit card and the credit limit is sufficient in this credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am using CITI bank credit card from last 1 year, there was no annual fee charged at the time of getting this credit card. Offers like reward points and cash back are good in this credit card. I am happy with the credit limit in CITI bank credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Satisfied"
      0.5 4.0/5 "Great!"
      Customer service is good one with the ICICI bank and the response is fine one. Charges are also okay one for me with the ICICI bank. They can reduce the time limit to provide the credit card, so that the services could be more better.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 21, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding the card for the last one and a half years now and they had given me with a very good credit limit as well. I have been using the card for shopping and all other purchases as well. There has not been any kind of issues faced with the services of them so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 20, 2018
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