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    ICCI Bank British Airways Premium Credit Card Account Reviews

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    ICCI Bank British Airways Premium Credit Card Account

    Fees & Charges

    Promised Interest Rate

    Customer Service




    ICICI Credit Card Diwali Offer
    Two cards in one, the ICICI Bank British Airways Premium Credit Card comes with unique benefits to make you a happy customer. The benefits from American Express and Mastercard double the joy as you earn miles and enjoy multiple spending options. For the frequent traveller, opportunities to earn free flight tickets and upgrades are plenty! Plus you can enjoy exclusive privileges while you travel. Welcome offer:
    • The first time you use your ICICI Bank British Airways Premium Credit Card, you will earn 8000 Avios, the air-mile currency of British Airways.
    • If you book a return ticket from India to London within the first three months of the card issuance, you will be rewarded with 25,000 Avios. That much Avios is worth a complimentary one-way journey to London, or you could avail of an upgrade to Business Class.


    Enjoy two credit cards in one:

    A unique offer for ICICI Bank customers, you can manage two credit cards in one account: ICICI Bank British Airways American Express Credit Card and the ICICI Bank British Airways MasterCard Credit Card. With American Express, you can accelerate your Avios, while the Mastercard gives you a variety of spending options.

    Earn miles:

    For every Rs. 100 spent on the ICICI Bank British Airways Premium American Express Credit Card, you can earn up to 9 Avios. Under this scheme, you can convert your purchases into miles and redeem them for free flight tickets or upgrades on British Airways.

    More travel:

    With a choice of 125 destinations, you can redeem your Avios for flight tickets to some of your favourite places and dream destinations.

    Fuel Surcharge waiver:

    Get a 2.5% fuel surcharge waiver every time you refuel at any petrol station.

    Travel privileges:

    Make your travels more comfortable with the ICICI Bank British Airways Premium Credit Card. Enjoy being a member of the British Airways Executive Club. Earn and redeem Avios on British Airways and all the oneworld alliance partners.

    Culinary Treats Program:

    Save 15% and more on your dining bills at more than 800 participating restaurants. For details, you can visit the culinary treats program website or download the app from the Google Play Store or the App Store.


    At your service, a 24/7 personal concierge to look after your every need including restaurant reservations, travel bookings, car rentals, emergency auto assistance and even delivery of gifts and flowers.


    Interest-free period:

    When you spend on your ICICI Bank British Airways Premium Credit Card, you can get a credit period of 18 to 48 days on your purchases. This means you can pay for your purchases 18-48 days later. This is applicable if the last statement has been cleared in full.

    Microchip embedded:

    The ICICI Bank British Airways Premium Credit Card is embedded with a microchip. This provides extra security and prevents counterfeiting and duplication. With an additional layer of security of the PIN (Personal Identification Number), the card has enhanced protection. To use your card at merchant outlets, you need to enter your PIN to complete the transaction. For online transactions, the PIN is not required. Please sign up for 3D Secure (MasterCode SecureCode or American Express Safekey for online transaction security.

    Attractive interest rates:

    Interest rates on your credit card can be as low as 1.25% per month. Your purchase and credit history, bank relationship and loyalty can factor into your interest rates. The highest rate of interest you can incur is 3.50% per month.

    Internet Banking:

    Manage your credit card, view statements, pay bills and more easily online with the ICICI Internet Banking services. ICICI offers more than 250 services online.

    Mobile Banking:

    Enjoy banking on-the-go with the ICICI mobile banking app. Download the app to carry your bank with you anytime and anywhere. Use services like funds transfer, account summaries, bill payments, ATM locators and more on your mobile. You can also use the SMS service through your mobile to carry out banking transactions.

    Important Fees and Charges:

    Joining FeeNil
    Annual FeeRs. 7,000
    Supplementary CardNil
    Interest 1.25%-3.50% per month (15-42% p.a.)
    Interest on overdue cash advance and extended credit 3.40% per month (40.80% annualized).

    Other Fees and Charges:

    Charge Amount
    Cash advance transaction fee A charge of 2.5% on the transaction amount, or a minimum of Rs. 300.
    Reward redemption Rs. 99 is levied for handling and courier on reward redemption requests.
    Dial a loan transaction fee 3% of the loan amount, or a minimum of Rs. 300.
    Overlimit 2.5% of the overlimit amount, or a minimum of Rs. 500.
    Cheque or cash pick up Rs. 100
    Cheque return 2% of the total amount payable, or a minimum of Rs. 250.
    Auto-Debit return fee 2% of the total amount payable, or Rs. 250, whichever is higher.
    Cash payment at bank branch Rs. 100
    Outstation cheque processing charge 1% of the cheque amount, or Rs. 100, whichever is higher.
    Card replacement Rs. 100
    Chargeslip request Rs. 100
    Surcharge on railway booking 1.80% of the transaction amount for bookings made online. 2.5% for any other booking.
    Fuel surcharge 2.5% of the transaction amount or Rs. 10, in case fuel surcharge waiver is not applicable.
    Service tax Service tax is charged at 12.36%. Applicable on interest, fees, surcharge and other fees.

    Late Payment Charges:

    Total Amount DueCharges
    Up to Rs. 99Nil
    Rs. 100 - Rs. 500Rs. 100
    Rs. 500 - Rs. 10000Rs. 500
    Rs. 10000 - Rs. 20000Rs. 600
    Above Rs. 20000Rs. 700

    ICCI British Airways Premium Credit Card FAQs:

    1. How long will it take to process my credit card application?

      Once ICICI has received all required documentation, it can take up to 21 working days to process. This period can be extended in case documentation was missed or further documentation is required.

    2. What are the options for credit card bill payment?

      With ICICI Bank, you have a number of options to make payments towards your credit card.

      • You can visit any ICICI ATM or bank branch and drop a cheque made in favour of your credit card number.
      • You can also pay cash at any ICICI bank branch. Rs. 100 will be charged for this service.
      • ICICI account holders can use the auto-debit facility which automatically debits the credit card bill amount from your bank account upon your instructions.
      • You can set standing instructions from your ICICI bank account to pay the minimum due or make full payments by the due date towards your ICICI credit card.
      • You can schedule payments through the customer care helpline.
      • Cardholders who do not have an ICICI bank account can pay online from another bank using the “Click to Pay” option.
    3. What if I miss a credit card payment for one month?

      Missing a credit card payment will attract a penalty and higher interest rates. You are advised to pay at least the minimum due. Defaulting on credit card payments can result in you being reported to CIBIL and being blacklisted depending on the severity of your default. This will affect your credit score negatively and hamper future credit card and loan options.

    4. My card is not working, how do I get a new one?

      If your card is damaged or even lost, report it to the customer care of ICICI Bank. Your current card will be blocked and a new card will be issued. The card should reach you within 7 working days.

    5. What is Avios?

      Avios is the air mile currency of British Airways. It’s a term used to describe the miles earned on your ICICI Bank British Airways Premium Credit Card.

    6. Can I use Avios to redeem flight tickets on any airline?

      No, Avios is specifically British Airways air mile currency. You can redeem the air mile currency you earned on your purchases for tickets on British Airways. You can also redeem them for upgrades to Business or First Class.

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