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
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Its a Jet privilege coral credit card i am using from last one year of ICICI bank . The customer service is real good from their end . They provided me a limit of 25K and a cash withdraw option of rupees three thousand seven hundred . I receive reward points on using the card and i receive it and convert it into cash .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Looking for better feature"
      0.5 1.0/5 "Really Bad"
      I am not satisfied with very high interest on monthly basic and late payment fee was high. It has lot of inconvenient service than HDFC, they have normal credit limit of Rs. 40 it was also not sufficient for the transaction. Overall I am not okay with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank 1 year back. They have offered coral card and I get reward points and cash back offers. I am using the points on fuel purchase. The charges are 35 here for late payment.The customer service and responses was good and It took just 10 days for the whole credit card process here.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      The ICICI bank Platinum chip credit card is used by me for past 2years. I use this card for shopping,bill payments and for usages. The credit limit is average with this card and I am satisfied with it. There is annual fee of Rs.399 I pay towards this card.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Clarify the hidden charges"
      0.5 2.0/5 "Expected more"
      ICICI hidden charges was very high hence I wont recommend to others. I don't have any benefit, at time of activation they shared lot of offers but I could utilize such benefits. I checked with the customer service they wont give proper response regarding credit card queries.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good. Can do better in offers"
      0.5 3.0/5 "Satisfactory"
      I bank with ICICI Bank for a credit card as well and the services are average. They need to provide more offers and the limit is also not up to the mark. There are charges for the card and I am not that happy with this product. The services are good overall.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Got the ICICI bank platinum chip credit card for past 4years. The credit card service is good with ICICI bank. The customer service is good with ICICI bank credit card department. I am satisfied with the credit limit. There is no annual fee with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank 1 year back. They have offered coral card and I get reward points and cash back offers. I am using the points on fuel purchase. The charges are 35 here for late payment.The customer service and responses was good and It took just 10 days for the whole credit card process here.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good to use"
      0.5 5.0/5 "Blown Away!"
      I use Coral Credit Card of ICICI Bank. I am happy with the credit limit and using the card from 1 year. The offers are very good, It is a life time free card, I use net banking for the payment. The net banking is good to use and convenient. The customer service and response is good.
      Was this review helpful? 0
      , indore
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with ICICI Bank and it has been good till date. From time to time the offers are available and I am also informed about it. The credit limit is also to my satisfaction and there are no issues while using the card. There are a lot of deals online as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Best service "
      0.5 5.0/5 "Blown Away!"
      I hold a ICICI credit card with a limit of 30 thousand.It has no annual fees it in.No such unique benefits, all were given using this card, all are the same like other credit cards.I earn reward points for the purchase I make. I have an option to redeem the points at the outlet as well and at online stores.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank has also offered me a credit card and the deals on the card is good. The experience is perfect till date and there has been no sort of issues faced while using the card. The statements are clear and the cash back and rewards are useful.
      Was this review helpful? 0
      , gwalior
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "SATISFACTORY"
      0.5 3.0/5 "Satisfactory"
      ICICI bank has committed certain credit cards to me and have not given me the cards. So far I sent back three cards back to them. The card which I have now, has no issues with the credit limit. This is yet another product which has not proved satisfactory.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "SATISFACTORY"
      0.5 3.5/5 "Pretty good"
      Though I am not an existing customer of ICICI Bank for an account. They still offered me a credit card with the credit limit of 40K. If I use the card above 30K in a year, they would waive off the annual charges. Else I would be charged Rs. 200 as fee. The offers are good and there are no issues in using it.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good service "
      0.5 3.0/5 "Satisfactory"
      I hold a ICICI credit card with a limit of 25 thousand I have been using my card for past1.5 years they have not yet upgraded my card,requested multiple times no response from the bank.no additional charges are levied on the account.Easy EMI options are available for high value transaction.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      ICICI Bank is good in the credit card services. I have no hassles in using the card and the experience is good till date. There are offers and the credit limit is also good. The charges and interest rate is also normal when compared to other banks.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The coral credit card from ICICI bank is good on cash back offers and they have good offers on movie tickets. The services are good, they send statements on time and no hassles faced in using the card. They also have good online facilities as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      ICICI banking service was good. I use Titanium Visa Credit Card, The credit limit was good, they charge very less amount annually, They offer reward points on this card. I don't know about the rate of interest, my ratings are not applicable,
      Was this review helpful? 0
      , secunderabad
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have my salary account with ICICI Bank and they offered me a ICICI Bank Coral Master Credit card. I pay an annual fees around Rs. 300 to Rs. 400. For the past 2 years I have been using this credit card. I use this credit card for shopping, online recharges etc. I have got an insta loan based on my credit card. Even though I have my salary account with them the credit limit offered by ICICI Bank is low when compared with the credit limit given by State Bank of India.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "No problem with the application"
      0.5 5.0/5 "Blown Away!"
      I have an ICICI Bank Ferrari Credit card and felt the process of opening to be slight. I took the card only 15 days back, so I won't be able to give you a deep insight, but until now I felt the experience to be very good and exciting. The process of opening the card was very simple.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 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

    ICICI Bank Unifare Bangalore Metro Credit Card

    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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