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  • ICCI Bank British Airways Premium Credit Card Account

    Fees & Charges

    Promised Interest Rate

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    Credit Card BYTES FROM OUR KITCHEN

    ICCI Bank British Airways Premium Credit Card Account

    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.

    ICCI Bank British Airways Premium Credit Card Account Reviews

    • ICICI Bank Credit Card
      "Average Service"
      0.5 4.0/5 "Great!"
      I have been holding this card for a while and the services which they had been providing so far had been very good. They had been given with a very good credit limit and i have been using the card for shopping and other purchases but recently i have stopped using the card much and there has been a minimal usage now with the card. Their mobile application has been very helpful and it has been very much user friendly as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Hassle free services"
      0.5 4.0/5 "Great!"
      Just once i called the customer care to check about the airport launch access. Their is no services for this charges. The interest rates same like other credit card. I don't remember I'm paying any annual fee. I'm getting some movie tickets offer but i never utilized it. I'm holding this card for more than 4 years. I don't much use this card. I never increased the limit so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "BETTER"
      0.5 5.0/5 "Blown Away!"
      I have been using since 2 years. Documentation i have done through the bank. I have got my credit card after 1 month when i have applied for my card. Limit i am satisfied with my card what they have provided for me. Offers i am getting in my card but i am not using it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding this card for almost a month. The credit limit with the card has been satisfactory and it has been a very minimal usage i have made with this card. The process in getting the card has been very smooth and easy as well. There has not been any issues faced with their banking services so far.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have been holding this account for a while and there has not been much issues faced, the credit limit has been satisfactory and there has been a minimal usage i have been making, and the services o far had been good and there has not been any issues faced.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Average Service"
      0.5 1.0/5 "Really Bad"
      It has been almost three months i have been holding this account and the services which they had been providing so far had been okay. The credit limit with the card has been less than i expected and there has been issues faced with using the card. I have not been able to use the card for my purchases as the credit limit has been less. Their customer support has been good and they had been responsive.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Reliable Card"
      0.5 5.0/5 "Blown Away!"
      It get the Internet shopping in different website. I can able to withdraw the money from this card. Most of the countries, i can access this card. In many of the showroom, their is a cahback offer for my apple i phone. I will get monthly two tickets free. I will get 1 free international and 2 domestic airport launch access is there. The gave the credit limit is very less.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "One of the best"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI bank credit card from the last 2.5 years of time. I would like to say that the customer service is good one and its very quite easy to access their customer service. I am really happy with the ICICI bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the ICICI bank and the response is good too. I would like to say that the credit limit value is good with the ICICI bank credit card and the online services are good too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have been using the card for the lat 5-6 years and they had been providing a good service so and there has not been any issues faced so far with their services. The credit limit with the card has been satisfactory and i have been using the card for shopping and all other purchases as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have been holding this card for the last one year. The credit limit with the card has been less than i expected, but there has been good offers with the card like reward points and cash back offers as well. I have been using the card for shopping and all other purchases as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have a salary account with Icici bank, I am happy with the services of the bank, I never faced any issues as such it has been a smooth banking with them. The customer service they provide is also good, they give quick and fast responses. I am satisfied banking with them.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have a credit card taken from Icici bank, the limit they have offered me is Rs. 2,00,000, the services of the bank is good I am quite satisfied with it. I never faced any issues with their transactions, I get good customer service s well, I am quite happy with the services.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have a credit card from Icici Bank, the limit is Rs. 2,00,000, the services I experienced with this bank is good so far. The card they have offered is lifetime free, hence I am not worried about the fees and charges. I am satisfied with the credit card I have.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with ICICI bank from last 6 months, the credit limit is less when compared to other credit cards. There was no annual fee charged at the time of getting this credit card. The only benefit i got in this credit card is free insurance. All my transactions are hassle free in this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Having the ICICI bank platinum chip credit card for the past 6 years. The customer support service and the response is good with the ICICI bank. The credit limit value is god with this ICICI bank platinum chip credit card and i am satisfied with it, at present I am not using this ICICI bank platinum chip credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • ICICI Bank Credit Card
      "I'm yet to use this card"
      0.5 2.5/5 "Just OK"
      It is a co-branded card. It is a life time free card but in broacher they are mentioned that Rs.199 for that i have to check with the customer care. I never called to their customer care. I'm not very keen on using the credit card. I got this card recently a week before.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I hold a credit card with ICICI bank from last 3 months, i am not aware of any offers on this credit card. I have no issues with any transactions with this credit card. I am happy with the credit limit and there was no annual fee charged at the time of getting this credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 13, 2018
    • ICICI Bank Credit Card
      "Great Card to Use"
      0.5 5.0/5 "Blown Away!"
      When I'm traveling, I'm using this ICICI Coral Contactless credit card. Airport launch, IRCTC launches are available in this card. I'm using this card for couple of months. I don't find much offers available in this credit card. Overall, I'm glad to have this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 13, 2018
    • ICICI Bank Credit Card
      "Happy with the ICICI Card"
      0.5 5.0/5 "Blown Away!"
      The purpose of getting card is for fuel and purchase. I wont use this credit card for online purchase. I will use the card in merchants by swiping the card in POS machines. I have been a ex employee of ICICI Bank from that i have received a free life time free credit card.I don't check the offers on regular basis. Generally, i used to get the rewards points.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 13, 2018
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