Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
ICICI Bank has tied-up with leading international airline British Airways to offer a co-branded card called the ICICI Bank British Airways Classic Credit Card. This ICICI credit card is a boon for frequent travelers since it offers incomparable travel rewards. The ICICI Bank British Airways Classic Credit Card offers the unique benefit of availing free air tickets by earning BA Miles on their credit card spends. Customers can also gain free entry to the British Airways Executive Club.
| Charge | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | 3500 (1st year onwards) |
| Add-on card Fee | Nil |
| Overdue interest on extended credit | 4.80% annually and 3.40% monthly |
| Interest on cash advances | 4.80% annually and 3.40% monthly |
The cash advance fee is 2.50% of advanced amount or Rs. 300, whichever is the highest.
A handling fee of Rs. 99 is charged on the redemption of rewards.
If your credit card transaction exceeds the credit limit available on the card, then the Bank will make a decision as to whether the transaction should be approved or not. An over-limit fee will be levied on the transaction if it is approved. 2.5% of the transacted amount will be charged as over-limit fee, subject to a minimum of Rs.500.
When the customer experiences the need for an increase in his/her credit limit in order to make more purchases on his/her card, then they can avail the temporary credit-limit enhancement. For this purpose, the customer will have to get in touch with the ICICI Bank Customer Care Centre and place a request. The decision to increase the credit limit on your card is the sole discretion of the Bank. In order to be eligible for this feature, the customer must have had the card for at least 9 months and based on credit history the facility will be provided to the customer.
If the credit cardholder is already on revolving credit, new purchases will attract interest from the date of purchase.
Customers can pay their credit card bills by depositing payment cheques in the 'drop box' facility available at ICICI Bank ATMs and branches. You can also make cash payments over-the-counter at ICICI Bank branches, use the auto-debit facility, schedule payments through ICICI credit card NetBanking, or contact the ICICI credit card customer care to pay the credit-card bill. Customers who do not have an ICICI Bank account can from their existing bank account through the Click to pay option available online.
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