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!"
      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
    • ICICI Bank Credit Card
      "Should understand the customer's needs"
      0.5 2.0/5 "Expected more"
      I am holding salary account with ICICI, hence I am using the credit card. Overall service of ICICI, it is not upto the mark, they taking lot of charges for the credit card transaction. Customer service is bad, especially the IVR system automatically calls gets disconnect while ringing. I never spoke with customer service as of now for any queries.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My friends are using ICICI credit card. And I am getting good feedback about the bank from them. The bank is providing more reward points it seems also they are upgrading the credit limit every year. I do not have any idea about their customer service, but the card is really helpful.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding a Platinum Chip credit card of ICICI bank for the past 3 years. I was offered a limit of 55k which is very much sufficient for me. I don't get any kind of cash back offers on my ICICI Bank credit card. This is just a basic card, I did not get any sort of reward points and other offers. But on the other hand, I also get fuel surcharge waiver based on this card. The rate of interest is very much competitive.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Not customer centric"
      0.5 1.0/5 "Really Bad"
      When I approached ICICI bank for the credit card, they said that everything is fine. So I submitted all the documents then they confirmed me that I would be received the card in 15 days but there was no response after that. So again I had applied for the credit card but the bank is least bothered to respond back.
      Was this review helpful? 0
      , salem
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I am enjoying reward points, cash back offers, fuel surcharge waiver and offers on the selective restaurants with the ICICI Platinum Chip card. I am very much happy about the credit limit which was offered on my ICICI bank credit card. I am holding this Platinum Chip card for the past 5 months. The rate of interest is very much nominal on this card I am very much happy to use this Chip card.
      Was this review helpful? 0
      , ranchi
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      I use ICICI credit card for the past two years. Till date I never faced any issues with the bank like hidden charges or something. The one I hold is a life time free card. I do received reward points and cash back offers on my card. The overall service is good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I do have credit card with the ICICI bank and am with them from the last one year of time. Customer service is an excellent one and the credit limit value is good one and I have not faced any difficulties with the ICICI bank credit card till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I do have ICICI bank credit card and am using it from the last three years of time. Customer service is also very good with the ICICI bank credit card and the responsiveness too. I got the offer as 50% off while buying the clothes and the credit limit value is around 35000 Rupees, which is really okay for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Need improvement on feature part"
      0.5 2.5/5 "Just OK"
      Still now I have not received any offers from ICICI. I have been holding this credit card around two years. They offered me the credit limit of Rs.30,000 only one they have called me for the enhancement of credit card limit. There is no much reward points or offers on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 20, 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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