Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • ICCI Bank British Airways Premium Credit Card Account Reviews

    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      ICICI bank has been very good in their services. They are very responsive too. They have normal offers on the credit card I use. They have a good reward point system. The fee is waived as I use the limit as per the criteria the limit they have offered me is 29000 thousand which Iam not satisfied initially i was holding corral credit card that time they have just offered 25000 limit is the only concern i have with icici rest all is outstanding.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Criteria need to be improved "
      0.5 2.0/5 "Expected more"
      When I have applied for ICICI bank platinum Chip Visa credit card, they gave good response but they have rejected my application saying that I am not having the ICICI bank savings account. The ICICI bank Credit card criteria need to be customer centric. I never got any benefit from ICICI bank credit card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Nice Experience"
      0.5 4.0/5 "Great!"
      I got a credit card of ICICI Bank and there are no issues in using my card. There are the regular features on the cash back and discounts deals. I also get reward points and the accumulated points can be converted to the shopping deals and this can be done through online.
      Was this review helpful? 0
      , shimla
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Deal is good"
      0.5 4.0/5 "Great!"
      ICICI bank has also offered me a credit card and the process to receive the same was smooth. It was a on time process and the credit limit is also decent. The customer support services are appreciated. The deals on shopping is much and the transactions are smooth.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Good. Can do better"
      0.5 3.5/5 "Pretty good"
      I hold a credit card of ICICI bank and it is a average experience. They could provide more offers online, especially when a customer wants to use it for shopping , it would be better if they have more deals. There is a nominal charge and the fee is levied annually.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Wonderful"
      0.5 4.0/5 "Great!"
      I am having the credit card with the ICICI bank and their response is good and I have not faced any issues with them till now. Customer service aspects are fair one, also they are immediate one. I am happy with the ICICI bank credit card and the payment modes are really fine.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 4.0/5 "Great!"
      The ICICI credit card has the low credit limit, it would be great if they can increase the credit limit in future. They do it automatically because they do track the usage of spending. I hold the Coral visa card for past 2 years. I use this card for all kind of purchases and for all online transactions as well. I am getting the benefit of rewards points, cash back offers with this coral Visa card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I hold a platinum chip card from ICIC bank I got it very recently. The customer service is good with ICICI bank. The service which is given by ICICI bank is very good. The credit card service is very good from ICICI bank. I would say the ICICI bank gives good response to the customers.
      Was this review helpful? 0
      , lucknow
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      ICICI bank credit card is the one ,which am having from the last four years of time.I would like to say that the response is good one with the ICICI bank credit card.Customer service is good one and its instant too. Online payment services are feasible too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "They should give easy access"
      0.5 3.5/5 "Pretty good"
      ICICI was not upto the mark, If I want to track the credit card details in ICICI, its difficult to get user id and password. But other banks are offering the log in id to check credit card details through online. But ICICI was not good, they should work on it.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having ICICI bank Coral visa credit card for more than 5 years. The customer service is very good with ICICI bank. I use this card for shopping, for petrol usage, and for other purchases. I am not satisfied with the credit limit, still they can increase the limit as per the customers requirement. I pay the Annual fee of Rs.499 every year.
      Was this review helpful? 0
      , hubli
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Very Disappointed"
      0.5 1.0/5 "Really Bad"
      I had ICICI credit card earlier, their interest rate was high on monthly dues and customer service was not helpful, they mostly weren't available. In term of offers also they were not upto the mark. Quality of ICICI card is cheap the plastic type is very bad.
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      , gurgaon
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "More Advantage"
      0.5 4.0/5 "Great!"
      ICICI bank provides the maximum reward points for my credit card. I could not match ICICI bank with other banks on this reward points, because they are liberate. Gaining reward points is a good thing, more than that, the bank has excellent options for redemption. I can convert it as cash or I can make use this on shopping or for recharge.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      Having the ICICI bank platinum Chip Visa credit card for 1 year. I use this card for Online shopping , petrol usage, utility bill payments with this ICICI bank chip card. I pay the annual fee of Rs.1000 every year, The reward points, cash back offers are available with this card. I am satisfied with the credit limit.
      Was this review helpful? 0
      , rohtak
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Its Convenient"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card for more than third years. Offers are really good. They are giving petrol surcharges, other than that they giving rewards points for every spend. I could also redeem the reward points into mobile wallet by Mobiquick application.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I am using a credit card from ICICI bank from last four months of time for this credit card I had applied many time then they have approved it, the worst part of this card is without informing they debit the amount later they inform, when I receieved the card the limit was 20000 ruppes later i can see they have added an insurance in my card for 10000 and now my limit is 10000, what kind of service is this, again later when I cancelled this insurance they have charged 6000 rupees and reverted back 4000 rupees. Very worst bank ever.
      Was this review helpful? 0
      , amritsar
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Great Job"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI bank credit card and I would like to say it is the best one. ICICI bank is providing the instant and prompt response too. Responsiveness is really good one with the ICICI bank credit card and their payment modes are really good, also they used to intimate on the instant basis before the due date itself.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      When I took ICICI credit card they gave me complimentary voucher worth Rs.3000 before eight months and also they gave me sufficient credit limit. I have selected ICICI coral credit card because I have option to get cash back for fuel filling and for Rs.100 spent they gives me two reward points.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      ICICI Bank has been good in the process for a credit card. I have not yet explored on it since I recently got the card. There was a joining fee for the card and the limit the bank has offered me is not that great but I am happy about the fast process in receiving it.
      Was this review helpful? 0
      , shyamnagar
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Coral credit card, every month they provide me four movie tickets free, other than that they also offers me pre approved loan with nominal interest . Initially my credit limit was Rs.26,000 now it is Rs. 1 lakh its sufficient, they upgraded it based on my performance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 19, 2017
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    ICCI Bank British Airways Premium Credit Card Account

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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.

    Benefits:

    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.

    i-Assist:

    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.

    Features:

    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:

    ChargeAmount
    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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