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

    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using coral credit card, It was very good for shopping purpose. I could convert the reward points ICICI service is really good, I download my statements online regular soft copy to check. Based on the salary account they have offered me this credit card and the limit they have offered me is 60000 approximately
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      Holding a ICICI bank Coral card for past 2 years. The benefits like movie tickets from Book my show, reward points and the cash back offers are available with this card. I am satisfied with the credit limit and happy with the ICICI bank service. The rate of interest is nominal with ICICI bank credit card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 4.5/5 "Excellent!"
      It has been a good experience till date on my credit card with ICICI Bank. This bank is good in responding to me and also provide me the best of offers and they are very much transparent when it comes to statement billing and the limit they have offered me is 60000 rupees and this is a life time free credit card.
      Was this review helpful? 0
      , vapi
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "Higher Fees on Missing Due Date"
      0.5 5.0/5 "Blown Away!"
      I have credit card from past one year. i pay my all dues timely but in one month i have misunderstanding that if i have maintain minimum due balance then they will auto debit that amount . i am wrong here bank need full time always if you subscribe full payment for autopay .i call to customer care and explain my query but then said that it is your falt.i said that it is my first mistake and i will never do please refund . i do due to misunderstanding and difference between full and minimum is only 100 rupee. they do not want to do anything for me.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "GOOD EXPERIENCE"
      0.5 4.0/5 "Great!"
      My experience with ICICI bank credit card was good the reason being, infact this was my first card followed by which I had taken HDFC. I am very much comfortable using this ICICI Bank credit card. There is no problem with the way my card was processed.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "Convenient for shopping"
      0.5 5.0/5 "Blown Away!"
      ICICI gave me coral credit card, so far I didn't get offers from them. Whenever I do any transactions or any shopping I am getting reward points, but I didn't redeem it. Some time I get cash back on shoppings, especially during festival season.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 4.0/5 "Great!"
      I have taken ICICI Airmiles credit card, Whenever I book any flight they gives good point, I could redeem next time. Even they are giving good reward points at mybook show for the movie tickets, I can utilize the benefits. ICICI bills are also very transparent.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Nice Experience "
      0.5 5.0/5 "Blown Away!"
      ICICI Bank has also offered me a credit card and I am very much pleased in using it. The bank has offered me a limit which is more than satisfactory. The customer services are also good. They are on time to send me my statements and I get intimated of all the transactions I do.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Average Service"
      0.5 4.0/5 "Great!"
      As of now, everything is going good with ICICI credit card. I am not happy with the bank as the credit limit is not good. But they told me that they would increase the limit in a year. I am using this card for more than a year, but still it is not increased. But then I do not have any issues with the bank in using the card.
      Was this review helpful? 0
      , indore
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      My ICICI credit card is basically a life time free credit card where we can purchase anything using this credit card . No issues with this card no charges or any other issues as well. I had been using this card about a couple of years. Name of the ICICI credit card is Platinum fee credit card I did not get any offers on this card till date
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI bank coral credit card from the last three to four years of time. Their service aspects are just okay, but their net banking services are really good. Customer service is fine with them , the credit limit is also a lesser one. I have contacted them so many time to enhance the limit but they have not so I have opted other card with a higher limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Improve the customer service"
      0.5 2.0/5 "Expected more"
      ICICI credit card is quite trouble some because their Customer service was not that great, they were unable to understand the customer needs and they dont have patience to listen to the customer. especially when it comes to credit card . The issues were resolved but I was not aware of the bank norms it is their duty to make the customer understand about the bank norms . Anyways, I had closed the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Pretty Good to Use"
      0.5 4.5/5 "Excellent!"
      The one I hold is a life time free card. Seven months ago, I had taken a card from ICICI bank. Though I have no savings account with the bank, they offered a free credit card. I am not sure about my credit limit but then I spend 14000 in every month. The bank provides reward points.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      In the process of getting my loan through from ICICI Bank. I was told that I would received a credit card as complimentary. The executive collected my documents as well. The process has crossed ten days now and till now I have not got any card from them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      Amongst all the other credit cards I use, ICICI bank is the best. The offers on the card is perfect and I am also informed about it on a regular basis. The credit limit is perfect and the card can also be a accessed all over. The interest rate and charges are very much normal.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2017
    • ICICI Bank Credit Card
      "Suitable only high profile people"
      0.5 2.0/5 "Expected more"
      I took ICICI credit card based on HDFC credit card transaction, I have submitted HDFC credit card bills to get ICICI credit card. The process got delay, but they are giving pay back points and free movie tickets. However I am not satisfied with ICICI credit limit of Rs.15,000 its low.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 16, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I got the ICICI bank platinum chip card 2 months ago.The reward points, cash back offers are available with this card. But I never used it so far. The rate of interest is as per the market with this card. The customer service is good with ICICI bank. I am satisfied using ICICI bank Platinum chip credit card,
      Was this review helpful? 0
      , agra
      Reviewed on Aug 16, 2017
    • ICICI Bank Credit Card
      "Good overall"
      0.5 3.5/5 "Pretty good"
      I hold a credit card of ICICI Bank and it is overall good. The process is good if I would to convert my purchases to an EMI, it is very much convenient to do so. There are good offers as well and the limit is okay. I am happy that there are no hassles in banking with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • ICICI Bank Credit Card
      "Customer friendly"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank credit card is very much customer friendly it is hassle free process, I did not face any issues with them till date. I pay the amount and it will get the credited on time and there are no issues with this card. They are giving offers on online stores for example mobile online shopping they give some cash back too.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Aug 16, 2017
    • ICICI Bank Credit Card
      "Nice Experience"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is better on the credit card offers. The bank is also responsive when ever I reach out to them and they have a very decent credit limit. The deals are good online and the bank has a convenient billing system too. There a lot of other benefits too.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Aug 16, 2017
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    ICICI Bank Unifare Bangalore Metro Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    The ICICI Bank Unifare Bangalore Metro Credit Card comes with great privileges to the frequent traveler. This credit card offers the unique benefit of having two cards in one, i.e., the ICICI Bank credit card and Namma Metro Smart Card (smart card offered by BMRCL). This co-branded card is available in the MasterCard variant and it also uses the Near Field Communication (NFC) technology. One of the major highlights of this card is that it comes with an auto recharge facility. If the balance on your card drops below Rs. 100, then an automatic recharge of Rs. 200 is done by the Bank. This card ensures that you have hassle-free travel options with instant payment solutions.

    Special Benefits of ICICI Unifare Bangalore Metro Credit Card:

    • Auto Recharge facility - Your Namma Metro Smart Card Chip balance will be automatically recharged if it falls below a predetermined amount.
    • Discount of 15% discount on Namma Metro travel fare
    • On every Auto Recharge transaction get 8 PAYBACK Points
    • You can redeem your accumulated PAYBACK Points and earn Metro Miles for metro travel. This is powered by PAYBACK.
    • Enjoy fuel surcharge waiver of 2.5% across HPCL petrol pumps, while purchasing fuel using this credit card.
    • Get a minimum discount of at least 15% on your dining expenses at premier restaurants across India with the card’s Culinary Treats program.
    • Avail great Platinum benefits, backed by MasterCard

    Benefits:

    Earn Payback Points:
    • On every ?100 spent on the card, you can earn 2 PAYBACK Points, except for fuel purchases
    • On every ?100 spent on Auto Recharge transactions, you can earn 4 PAYBACK Points

    Earn PAYBACK Points from various PAYBACK partners by using your PAYBACK card or by providing your registered mobile number. PAYBACK Points can be redeemed for Metro Miles which can be used to travel hassle-free on Namma Metro. This special option for redemption of Payback points is offered for the benefit of Namma Metro commuters and is available only on the ICICI Bank Unifare Bangalore Metro Credit Card.

    You can convert your accumulated Payback points to Metro Miles and encash it for a corresponding value as cash recharge on your Namma Metro Smart Card Chip. 1 PAYBACK Point is equal to Rs. 0.25. PAYBACK Points can also be used to redeem exciting gifts such as fragrances, fashion, holidays, dining, gadgets, home entertainment, and much more.

    Fuel Surcharge waiver:

    On transactions above Rs. 4000, avail 2.5% fuel surcharge waiver in HPCL fuel station.

    Culinary Treats Program:

    Enjoy your dining experience by saving up to 15% and more on your dining bills when you dining at any of the participating restaurants.

    Features:

    Convenience of a Smart Card:

    You get a preloaded amount of ? 100 on your Namma Metro Smart Card Chip when you are issued an ICICI Bank Unifare Bangalore Metro Credit Card. This amount is charged to your credit card account.

    Auto Recharge Facility:

    The Auto Recharge facility ensures that your Smart Card Chip balance is automatically recharged for an amount of Rs. 200 whenever it drops below Rs. 100. This amount will be charged against your ICICI Bank Unifare Bangalore Metro Credit Card balance.

    Discount on Fares:

    Avail a discount of 15% from Bangalore Metro Rail Corporation Limited every time you travel at Namma Metro using the ICICI Bank Unifare Bangalore Metro Credit Card. This offer is similar to the one available on the Namma Metro Smart Card.

    Freedom from Planning:

    You can terminate or extend your travel plans without having to provide prior notification, when you use your ICICI Bank Unifare Bangalore Metro Credit Card at the Bangalore Metro. The fare will be charged to your account, based on the station where you enter and the station where you exit.

    Security Chip and PIN:

    An embedded microchip on your ICICI Bank Unifare Bangalore Metro Credit Card ensures that your card is secured against fraud and other misuse. It is secured by a PIN that has to be entered at merchant outlets to validate a transaction. For online transactions, a 3D secure code has to be entered.

    Fees and Charges:

    ChargeAmount Payable
    Joining FeeRs.299
    Annual FeeRs.299
    Supplementary CardRs. 299 (one-time payment)
    Interest on overdue extended credit40.80% annually (3.40% per month)
    Interest on cash advances40.80% annually (3.40% per month)
    Service Tax12.36%

    ICICI Bank Unifare Bangalore Metro Card FAQs:

    1. What is the threshold limit?

      The balance available on your Namma Metro Smart Card Chip on which the Auto Recharge instruction is triggered, is called the threshold limit. Rs. 100 is the threshold limit and if the value drops below Rs.100, instructions for automatic credit of ?200 will be sent to BMRCL, and the amount will be deducted from your Credit limit.

    2. When will by balance be automatically recharged?

      Once you tap your credit card at an entry gate in any Namma Metro station in Bangalore, the Auto Recharge will get triggered if the balance is lower than the threshold limit on your Namma Metro Smart Card Chip. The updated balance can be viewed by you when you tap the card next time at the Entry gate.

    3. Can auto recharge facility be deactivated?

      Yes. In order to deactivate the auto recharge facility on your card, you can contact the Namma Metro station customer care. Once this feature has been deactivated, it cannot be reactivated on this card. If you want to get this facility again, you will have to place a request through the customer care service, for a replacement card.

    4. Can the balance on my Namma Metro Smart Card Chip be transferred to my replacement card if the original one has been stolen?

      No. In case lost/stolen cards are reissued, the balance on the Namma Metro Smart Card Chip will not be transferred to the new Smart Card Chip on the replaced card.

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