Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • ICICI Bank HPCL Platinum Credit Card Reviews

    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI Ferrari credit card, there was no charges for it. I used to get discounts on movie ticket, fuel surcharges etc. I have accumulated 5000 reward points, I could convert those points into voucher and do the shopping its really good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from ICICI bank which is free from annual fees. I used to receive reward points and cash back offers from the bank regularly. I did not face any issues for my credit card till date. The customer service is good with ICICI.
      Was this review helpful? 0
      , meerut
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Fast Service"
      0.5 5.0/5 "Blown Away!"
      I applied for the credit card online with ICICI bank. But I did not receive the card as they rejected my application due to certain norms. But the response was good from the bank. The executives of ICICI bank are so fast in providing the services to the customers.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Need improvement on the payment method"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with ICICI bank and the major drawback is they do not have an option online where I am unable to make my payments from another bank debit card. If I got to the branch to pay by cash, I am charged 100 to 200 more. If I pay by cheque the payments reflects only after three to four days.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Need to be customer centric"
      0.5 1.0/5 "Really Bad"
      The time I have approached for the ICICI bank Rubyx credit card , the executive came and collected the documents and after 20days the card has disbursed but I have recieved ICICI Coral visa card. Then again I have reached customer service and returned the coral card. ICICI need to give proper service to the customers . They have charged me for the joining fee and the annual fee with this card but later on they have waived off all the charges.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Holding an ICICI Bank coral Visa Credit card for past 2 years, this card has the benefits like reward points, cash back offers and fuel surcharge waiver with this card. I am happy with the ICICI credit limit. I pay the credit bill through the mobile application which is very easy to do.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Wonderful "
      0.5 4.0/5 "Great!"
      I am having the ICICI bank credit card and am using it from the last five years of time. Customer service is good one with them and the offers are kind of nominal only, also there were nil offers sometimes. Bills and the payments are clear with the ICICI bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Think twice before you get"
      0.5 3.0/5 "Satisfactory"
      From the last five years of time, I do have ICICI bank credit card and the services are not bad with them. Offers are nil with them and the annual charges are free of cost. I would like to suggest that they can make the bookings to be get in vast order to satisfy the order as per the commitment as Buy one Get one in Bookmyshow.com.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "High Charges"
      0.5 4.0/5 "Great!"
      Actually I closed ICICI credit card recently. When I was using the credit card I felt that they were charging more unnecessarily. They used to collect double the charges on cheque bounce and late payment. So I am not comfortable with ICICI.
      Was this review helpful? 0
      , salem
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      The credit card of ICICI Bank has all the basic features and offers like other banks. The customer services are excellent as they do not delay in giving me any information either through email or on phone as well. Even I am also getting the statements for my card on time and it is very much satisfactory.
      Was this review helpful? 0
      , jalgaon
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Initially I was holding Platinum card and recently they upgraded as Coral card bank executives said that this card has good offer and movie tickets free and rewards points as well its char able card 499 and if i spend 1.50 lakhs annually no need to pay the annual charges of the card.
      Was this review helpful? 0
      , aurangabad
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I use three credit cards with three different banks. For me ICICI bank is the best for credit card usage because they provide good offers more often and good service as well. Importantly their online facilities are too good. Credit limit is quite good and I got life time free card.
      Was this review helpful? 0
      , mysore
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I am using ICICI bank credit card for more than two years of time. Customer service is not much good for me like even in banking process itself they are not really working in a good way. Online services are fine one for me.
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      , pondicherry
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is too good in providing credit card services. It is a life time free card and the offers provided by them was also good. I earn a lot of points and the points can be converted to cash and for shopping online as well. The statements are clear and it was sent to me on time.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I had received a life time free credit card from ICICI with a one time charge . They offered very good credit limit and also I have a lot of benefits on my credit card. ICICI bank has good customer support, they always used to provide good service to the customers.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      EMI option cant be make with the ICICI bank credit card online service, also net banking services are not really working good. I am holding ICICI bank credit card from the last 1.5 years of time, also their customer service is working in a good way.
      Was this review helpful? 0
      , siliguri
      Reviewed on May 23, 2017
    • ICICI Bank Credit Card
      "Not Responsive"
      0.5 1.0/5 "Really Bad"
      Recently, I applied for the credit card with ICICI bank. Though my credit score is pretty good, I was waiting to get response from the bank. But I did not hear anything from the bank but finally I came to know that the application has been rejected. When I inquired about the reason for the rejection, they are not ready to disclose anything but simply told me that its because of internal policy. Whatever the internal policy, they should provide the reason to the applicant properly because I preferred ICICI bank for the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • ICICI Bank Credit Card
      "Excellent "
      0.5 4.5/5 "Excellent!"
      I hold a ICICI bank credit card and I am very much comfortable using that card, because I do have a bank account with them. Customer service is good one with the ICICI bank credit card , also its an excellent one. Response is an immediate one on my ICICI bank credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 22, 2017
    • ICICI Bank Credit Card
      "Recommendable Bank"
      0.5 4.5/5 "Excellent!"
      I would recommend ICICI bank for credit card services. Because they have a very good systems to be followed. The bank is good in terms of providing financial service to the people. They do have 24/7 customer service and very good online banking facilities.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 22, 2017
    • ICICI Bank Credit Card
      "Convenient to use"
      0.5 5.0/5 "Blown Away!"
      ICICI credit card services are good. I use credit card of ICICI bank for a long time. I did not face any trouble because of the card, also there are no hidden charges. Interest rate is very normal and credit limit offered by the bank is very much satisfactory,
      Was this review helpful? 0
      , jamnagar
      Reviewed on May 22, 2017
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    ICICI Bank HPCL Platinum Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    ICICI Bank offers a credit card that promises great rewards with the option to save intelligently as well. No more fuel woes or those nasty surcharges. The ICICI Bank HPCL Platinum Credit Card combines the best of rewards and savings and presents a card that is simple, hassle free and allows customers to manage their hard earned dough. With minimal charges and fantastic benefits, the HPCL Platinum Credit Card is a boon in disguise.

    Savings and Rewards: With 2.5% cashback, reduce fuel bills:

    Customers can avail a maximum of Rs. 100 when they purchase fuel at all HPCL petrol pumps year on year and month on month when ICICI Merchant swipe machines are used to swipe the credit cards.

    Save on the fuel surcharge:

    ICICI Bank HPCL Platinum Credit Cardholders can now avail a fuel surcharge waiver of 2.5% when fuel transactions are of a maximum of Rs. 4000 at all HPCL pumps. This is available only when the cards are swiped on ICICI Merchant Services swipe machines.

    Rewards by PAYBACK:

    Every time ICICI Bank HPCL Platinum Credit Cardholders spend Rs. 100, they receive accelerated 2.5X Rewards. Customers can receive 2 PAYBACK points on spends and 5 PAYBACK points on spends related to fuel. Users can also use their PAYCHECK membership card at selective HPCL petrol pumps to immediately receive points that can be redeemed for fuel. Apart from this, customers can also receive fuel worth Rs. 500 for every 2000 PAYBACK Points that they earn.

    Annual Fee Savings:

    ICICI Bank HPCL Platinum Credit Card holders stand the chance to reverse their annual fee of Rs. 199 by spending Rs. 50000 or more on their card annually. Customers should note that, in order to be eligible for this offer, their credit card should not have been cancelled during the time of applying for the annual fee reversal.

    Additional Benefits of the ICICI Bank HPCL Platinum Credit Card:

    Off on movie tickets:

    Customers can procure a discount of Rs. 100 on any given day during the week on tickets booked through Book My Show. This discount is available two times each month and if customers do not book tickets, they can save Rs. 2400 every year. It is to be noted that the tickets issued are limited and can be procured on a first come first serve basis as long as the daily limit is available.

    Savings on Dining:

    ICICI Bank HPCL Platinum Credit Card users can enjoy lip-smacking delicacies at more than 800 restaurants across the country while saving a minimum of 15% thanks to Culinary Treats, which is the premier dining program by ICICI Bank.

    Offers on Wellness, Dining and Hotels:

    Appreciate the value of a good life within the country or even abroad thanks to amazing deals offered by VISA with wonderful offers from lifestyle stores, spas, restaurants and more.

    Fees and Charges for the ICICI HPCL Platinum Credit Card:

    Joining FeeRs. 199 plus service tax
    Annual Fee for the first yearNil
    Annual Fee for the second yearRs. 199 plus service tax
    Supplementary Card FeeNil
    Overdue Interest on Extended Credit40.80% annually which is 3.40% each month
    Interest on Cash Advances40.80% annually which is 3.40% each month
    Cash Advance - Transaction FeeA minimum of Rs. 300 or 2.5% on the advance amount
    Redemption Handling FeeRs. 99 for catalogue based redemptions and Rs. 25 for redemptions that are either store bought or online from brands that are PAYBACK Online partners.
    Dial-a-draft Transaction FeeA minimum of Rs. 300 or 3% of the draft value amount
    Over limit ChargesA minimum of Rs. 500 or 2.5% on the over-limit amount
    Return of Cheque2.5% of the total amount that is due or a minimum of Rs. 250
    Auto Debit Return Fee2.5% of the total amount that is due or a minimum of Rs. 250
    Fee on Cash Payment at branchesFor every payment transaction, Rs. 100 is charged
    Outstation Cheque Processing Fee1% of the value of the cheque or a minimum of Rs. 100
    Duplicate Statement RequestIf more than 3 months, then Rs. 100 is charged
    Fee for replacing the cardRs.100
    Cash/Cheque pick up feeFor every pick-up, Rs. 100 is charged
    Chargeslip RequestFor every chargeslip
    Foreign Currency TransactionMark up of 3.50%
    Service TaxCurrently, 12.36%

    ICICI HPCL Platinum Card FAQs:

    1. Is there a joining fee applicable for the card?

      Yes, there is a joining fee of Rs. 199 that is charged while availing the ICICI Bank HPCL Platinum Credit Card

    2. Is there a surcharge applicable on railway bookings?

      Yes, there is a surcharge of 1.805% of the transaction amount that is charged if tickets are purchased online and in other cases, there is a surcharge of 2.50% of the transaction value that is charged.

    3. What are the late payment charges?

      Charges are applicable based on the total amount due. This is given in the table below

      Total Amount DueCharges
      > Rs. 100None
      Rs. 100 - Rs. 500Rs.100
      Rs. 500 - Rs. 10000Rs.500
      Rs. 10000 - Rs.20000Rs.600
      < Rs. 20000Rs.700
    4. Can the annual fee be reversed at any given time?

      During the anniversary year, if total spends total up to Rs. 50000 or more than for the following year, there is no annual fee charged.

    5. How long does it take for a new credit card to be processed?

      New credit cards take up to 21 days to be processed.

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