Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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

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    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.

    ICICI Bank Unifare Bangalore Metro Credit Card Reviews

    • ICICI Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI Bank 10 years back . They have offered coral International card and the give credit limit was 55,000 which was satisfactory . The customer service and responsiveness was good . I have 24/7 helpline number and OTP device to login .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2017
    • ICICI Bank Credit Card
      "ICICI coral offers movie discounts"
      0.5 3.0/5 "Satisfactory"
      I hold a platinum coral credit card with ICICI bank. The limit with my card is 1.5 lakhs. i get cash backs and reward points with the card. I get buy one get one movie tickets with this card. The interest is relatively high when comparing with HDFC.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with ICICI bank.They have offered a limit of one lakh. I am happy with the limit Phone banking service is good they immediately respond.Net banking is useful to operate for the payment options.I have limited options for redemptions.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Excellent Banking"
      0.5 4.5/5 "Excellent!"
      I am a salaried person with ICICI bank for last 6 months. The services are good and very happy. There is no need to maintain a minimum balance. The net banking is good and very convenient. The application is easy to handle for the customers. ATM facilities are good and sufficient.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      The customer support is good with the ICICI bank credit card department. The credit card service is good from ICICI. I have the ICICI bank Ferrari platinum credit card for more than 4yeras, I am satisfied with the credit limit because of their better service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I am using Coral credit card with ICICI Bank. They are giving cash back offer on fuel filling with Indian oil petroleum from ICICI machine but I don't get any discount if I don't swipe my card on the ICICI machine with other petrol bunks. The credit limit was low which was not satisfactory.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 4.5/5 "Excellent!"
      I am having the ICICI bank credit card from the last one year of time. I would like to say that the services are good one for me and the response is better one. I would like to say that the credit limit value is good one for me with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Ease of transacting speed"
      0.5 5.0/5 "Blown Away!"
      I have taken a ICICI bank credit card.The features are good compared to other cards i hold.The card is working fine and accepted in all outlets.The net banking and phone banking service are good and convenient use.I do get offers for shopping.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card for past one month. They offered me platinum credit card. There is no annual fee for this card. I got a helpline number to contact the customer service. But it takes one or two minute to connect with the representative. The credit limit was good and satisfactory. I make the payment through net banking.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI credit card for last one year. I got a HP CORAL credit card with the credit limit of 50K. The limit was good and enough. The customer service and response was excellent. The charges are minimal when compared to others. They promised as I will be getting 50liters fuel for a year but it was not given.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      It was a good experience with ICICI Bank for the credit card. It was processed on time and I am happy with the credit limit. The Cash back and reward points are not available to me. It is a life time free card and the customer services was good overall as I was contacted on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Good credit card for the daily usage"
      0.5 4.0/5 "Great!"
      I directly approached ICICI and got the credit card with out any difficulties, now a days all credits card are providing cash backs on the e commerce. ICICI interest rate is same as other card, but I have two credit cards, one is life time free and another has some charges its gets waived off after certain transaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using the ICICI bank Platinum chip Visa credit card for past 14years. The customer support is good with the ICICI bank credit card department . I would say I am satisfied with the credit limit with this ICICI bank platinum chip visa credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 4.0/5 "Great!"
      The banking service is good with the ICICI bank credit card department. I have got the ICICI bank platinum chip credit card around 5 months ago. The customer support is excellent with the ICICI bank. I am not satisfied with the credit limit, it would be great if they can increase the credit limit in future.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Best to use"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI platinum credit card for one year. The credit limit was low, they offered 25K later I received a msg for the credit limit enhancement then it was changed to 40K. I used to make my payment through net banking. It is a life time free credit card. Its been used for shopping purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Excellent banking"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card ICICI bank.I am comfortable to use this card .Net banking is user friendly to use.Phone banking service is prompt and call get connected immediately.I make card payment through online.I get the best offers for shopping .
      Was this review helpful? 2
      , new delhi
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      With ICICI bank I got the ICICI bank platinum chip credit card based on my salaried account. The customer support is good with the ICICI bank credit card department. The interest rate is on average side. I am not using this card much. I am having good credit limit with this card and I am satisfied with it. There is annual fee of Rs,499 I have paid to this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I do have ICICI bank credit card from the last five to six years of time. I would like to say that the online banking services are good one with them. I have not faced any hiccups with the ICICI bank till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      The Air port lounges facility is available with the ICICI bank Rubyx visa credit card, and I use the ICICI bank credit cards from past 10 years and this card got upgraded around 2 year ago. I use this card for fuel , shopping , restaurants and for online purchases . I am not satisfied with the credit limit and I have requested them to increase the credit limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have my credit card with ICICI bank . The credit limit was 92,000 which was satisfied and I hold coral International card. The charges are very high than other banks in the market. The validity of the card is up to 2025 and I have 24/7 helpline number .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 11, 2017
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