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
      "Not customer centric"
      0.5 1.0/5 "Really Bad"
      In order to get credit card I approached ICICI bank and also I had submitted my application. But I had not received the card from the bank. They did not process as I am a business man. It would be good if the bank is customer oriented because I have savings account with same bank for three to four years but then the bank is not ready to provide the credit card.
      Was this review helpful? 0
      , bhopal
      Reviewed on Jun 24, 2017
    • ICICI Bank Credit Card
      "Hassle free"
      0.5 4.0/5 "Great!"
      I hold a credit card of ICICI Bank also the services rendered by them was really good. The statements were on time and there were no extra charges. I also get good offers and special deals on this card. The credit limit provided by them is more than enough. Till date I did not face any issues especially when I use this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 24, 2017
    • ICICI Bank Credit Card
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I have taken a credit card with ICICI Bank against my fixed deposit. The process is not up to the mark and the customer services surely needs an improvement. There are no offers and the limit is also not to my expectations. It has not been a good experience.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 24, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have never used this ICICI CORAL credit card properly . I hold this ICICI coral card for past 3 years. When I was using this card I got the reward points, cash back offer and the payback card which is attached with this card. For every transaction I will be some loyalty points which is added to the payback card. I am happy about the credit limit. I am satisfied using this card .
      Was this review helpful? 1
      , lucknow
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Frankly speaking , I am not happy with the level of service offered on my ICICI Bank credit card. I do not get proper services when I contact the bank. No proper offers nothing. The credit limit they have provided is 40000 rupees and 200 rupees is annual charge and this card is 3 years old.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Most promising feature of ICICI Bank credit card is, I am using ICICI coral credit card it is really good for entertainment, every month I am getting two movie tickets from them. Earlier I had Rubyx credit card there annual charges was more. Hence I migrated to coral visa card its good. I am fine with that too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I do have ICICI bank credit card from the last nine years of time. The services are good one with the ICICI bank credit card. They give some general offers and the credit limit they have offered is about a lakh and the card is also charged for it, If you show some transaction in year it will be waived off.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Convenient to shop with ICICI"
      0.5 4.0/5 "Great!"
      I do have ICICI Coral Master credit card, I got that card before five months. At the time they gave me complimentary offers like two movie tickets and gave the credit of Rs.50,000 its good. ICICI payment gate is good, I am very much happy to hold this ICICI credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Not Satisfactory"
      0.5 2.0/5 "Expected more"
      I am unhappy with the ICICI bank credit card, as I have other card which has a limit of more than a lakh and this bank has offered me a limit of 40K. When my salary is much more than that limit. The customer services are not up to the mark and so are the features on the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My best credit card is the ICICI bank one because I can merge everything with this credit card . I had been with them for some long time. Customer service is good, while it comes to matter of on time settlement. I have never faced the penalty charges till now , also the offers are up to the mark .
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "You should beleive it"
      0.5 4.0/5 "Great!"
      I want to mention ICICI bank credit card is my first choice because their interest rate is very lesser one for the minimum amount payment. Customer service and all is absolutely good. Online services are also an awesome one like its very clean and clear.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI Bank and the offers on the card is perfect. It is nice to get these deals and I am also informed about it as well. There are emails and messages sent on a regular basis. I also get intimated when ever I use my card. Nice experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Great "
      0.5 4.0/5 "Great!"
      I would say, ICICI credit card is the best one as per my experience till now. Credit limit value is good one and they are increasing the credit limit on yearly basis. Service aspects are really good, also it can be taken care by online itself.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      I availed credit card from ICICI bank. This the only card I use and it is a chargeable card. The annual fee is around 150 rupees. I am not happy with the credit limit offered by the bank. But then I am getting reward points and cash back offers on my card. The customer service is really good.
      Was this review helpful? 0
      , indore
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of ICICI bank , I am very much happy with the offers and the services. The bank has always been clear in what they communicate and in what they offer. I get regular emails about the on going offers and the credit limit is good as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      Recently I applied for the ICICI platinum credit card. Actually I applied for the card through online source. I got good response from the bank, all the verification process been over. I had received a call from ICICI bank where they informed me that the card will be delivered within 8-10 working days. Their customer service is very nice. They contacted me properly and asked for my convenient time in collecting the documents and for the verification part. The services provided by ICICI Bank is fanstatic.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      I am using ICICI Coral Visa credit card, they have upgrade my credit limit, also it is very much satisfactory for me. There are multiple points are available for many transactions and with some cash back offer. ICICI bills are very transparent, I could make convenient payment through their payment gateway.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Good services"
      0.5 4.0/5 "Great!"
      ICICI bank has offered me a credit card and there are offers on the card. But there is no proper credit limit. Until the limit is good, I can use those offers. The customer services are good overall. The statements are sent to me on time and it is very much clear.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Convenient to Use"
      0.5 3.0/5 "Satisfactory"
      The credit limit offered by ICICI bank is not satisfactory but it will be upgraded in the future I believe. I use credit card for long time. There is no special benefits on my credit card but reward points and cash back offers are there. I am comfortable in using the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Good one"
      0.5 4.0/5 "Great!"
      I want to say, ICICI bank credit card is the best one for me because the payment used to get reflected in their server in a day of time. I am using ICICI bank credit card from the last four to five months of time. Credit limit value enhancement is not yet experienced but now its a kind of okay.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 21, 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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