Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this card almost a year back and it was closed recently. The services which they had provided so far has been pretty good. The credit limit with the card has been good and there was a one time fee of 500 with the card as well. I had closed this card since because of some personal reasons.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 17, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Fantastic is the word i would love to give it to ICICI BANK credit Card. All my transaction till date were smooth enough and never had any issue. The best part about this card is its terms and conditions are crystal clear compare to other banks. Credit limit is more satisfactory and there is no annual charges on it. Free Life time card, what else you need.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Mar 17, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I was looking for a card which got good offers and i found ICICI BANK suitable for it. Its a not Life-time free card and there are annual charges here.Credit limit is fine and the interest rates seems reasonable. Have started using it and loving it. Interface of mobile and net-banking are user friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 17, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my saving and salary account with ICICI bank for long time,Their service is good they use to update me time to time about my transaction or any offers which are running currently and the minimum balance in my account and the overall service rendered by them was so far so good.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 17, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been holding ICICI credit card for long time,They have charged me annual fee in this card,but waived off option is available in this card,like if i spend certain amount then my annual fee will get waived off, and i am happy with the credit limit which they have given me in this card.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Mar 17, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with this credit limit and their customer service provided is good and response at a time last one and half years I am using Icici bank credit card this is life time free card and rewards point offer is available here and I am happy with Icici bank .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Need improvement on the helpdesk"
      0.5 4.0/5 "Great!"
      ICICI Ferrari platinum is a life free credit card, I am using it for several year its nice in terms of the customer support, the helpdesk is not convenient, they direct me to the IVR response. They need to improve their customer care aspects remaining all are fine.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "My First Credit card"
      0.5 5.0/5 "Blown Away!"
      ICICI is my first credit card for more than 15 years , I am using this card with good shopping offers in on-line . ICICI always good dining offers , Clothing offers , Journey ticket booking offers . Every time I make my payment in on time . Till now there is no extra charges to me .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am happy with icici bank , I am satisfied with this credit limit and their customer service provided is good and response at a time, and this card is first year is rs-500 hundred chargeable then the card is life time free card and cash back offer in this card last one years I am using this card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Very Good Credit card"
      0.5 5.0/5 "Blown Away!"
      I got this ICICI credit card very recently after applying in on-line . Within 10 days of time , they delivered my credit card . Documents has been collected in off-line . No annual fees for this card .ICICI offered me a credit limit according to my existing cards .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I got a Coral credit card from ICICI BANK and its been 2 months. I am happy with the high credit limit. The annual charge is reasonable which is Rs.200. My experience was very good and satisfactory. I use this card for shopping, fuel, etc. Am getting 5-10% cash back offer for fuel filling and also discounts restaurants and movie ticket booking.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      Recently have taken a credit card from ICICI BANK and its been 2 months. They have provided me a low limit of 18K. I have a Titanium card and there is no annual fee. The payment mode is convenient and the charges are standard for late payments.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      For credit card payments, ICICI accepts only Visa payment not through the master card. If they could provide this option which will be better. I have a coral card for past 3 months. The credit limit is average but it has good benefits. There was no annual fee.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 16, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The process took few days to complete for ICICI bank credit card application, there was no annual fee charged for this credit card and the credit limit is fine in this card. I use this credit card for multipurpose and the customer service was very good. Offer is good .
      Was this review helpful? 2
      , indore
      Reviewed on Mar 15, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with ICICI bank credit card, the process took few weeks to complete. They offered satisfactory credit limit with this credit card . Customer service was good and they followed up on time. There is no joining fee at the time of getting this card .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 15, 2019
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      It has been a very long time since i am using this credit card and the services which they had been providing so far has been pretty good. There has been some annual charges with this card and i use the card when there is some good offers and also depending up on the purchase amount. I am satisfied with the credit limit with this card as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 15, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      There is no specific reason for choosing this credit card with ICICI BANK . Did not faced an issue while making a payment and i hope Bank will take this into consideration. Often visit on-line portals for shopping. The card is chargeable . I am aware of the interest rates on this card and just used it once.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 15, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      All the benefits of ICICI credit card is linked with my salary account which was convenient. I am using the Platinum card for 4 year without annual charges. Every year they are increasing the limit. Flexi pay option is given and the charges are reasonable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 15, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am using this credit card for the last two and a half years and the services which they where providing so far has been better. But there has not been much offers which used to get and the credit limit with the card was above 1,00,000. It does not have any annual charges as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 15, 2019
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using ICICI bank credit card for long time.I am not happy with the limit which they have given me in this card,it is too less as per my expectation, and even i am not happy with their offers which they have given me in this card, and they have charged me annual fee in this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 15, 2019
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