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

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    ICICI Bank Unifare Delhi Metro Credit Card

    Who said customers can’t avail the features of two fantastic cards in one? Users now have the option of procuring the benefits of a credit card and the Delhi Metro Smart Card in one, thanks to the ICICI Bank Unifare Delhi Metro Credit Card. No more hassles of standing in never ending lines courtesy of the auto recharge feature among other attractive benefits. Customers can also avail a discount while travelling on the Metro. Other features include PAYBACK points that can be exchanged for a host of exciting gifts, waiver on fuel surcharge and discounts on dining bills. All in all, this card is a must have for all Delhi Metro travellers.

    Benefits of the ICICI Unifare Delhi Metro Credit Card:

    PAYBACK points on every purchase:
    • Customers will receive PAYBACK points each time they use their cards for any purchase including shopping, movies or dining.
    • Earn 2 PAYBACK points for every Rs. 100 spent. This is not applicable to fuel-related purchases.
    • Earn 4 PAYBACK points for every Rs. 100 spent on auto top-up transactions.
    • These points can be exchanged for a host of fantastic gifts thanks to PAYBACK which is the largest multi-partner loyalty program in India. Customers can also use these points to travel on the metro when they redeem them for Metro Miles, which is a cash recharge credited to their ICICI Bank Unifare Delhi Metro Credit Card. One PAYBACK point equals Rs. 0.25 when converted to Metro Miles.
    Save on Annual Fee:

    ICICI Bank Unifare Delhi Metro Credit Cardholders have the option of reversing their annual fee by spending Rs. 50,000 or more on their card every year and thereby save on paying the annual fee for the following year.

    Fuel Surcharge waiver:

    ICICI Bank Unifare Delhi Metro Credit Cardholders, on fuel transactions below Rs. 4000, can enjoy a waiver of 2.5% fuel surcharge at HPCL pumps. In addition to the transaction amount, their credit card will also have to be swiped on ICICI swipe machines for this option to be availed.

    Dining Discounts:

    Foodies rejoice! ICICI Bank Unifare Delhi Metro Credit Cardholders can enjoy a discount of at least 15% on their dining bill from various celebrated restaurants across the country. This offer is made available by ICICI Bank Culinary Treats.

    Priority for Security:

    Security is considered as top priority and the ICICI Bank Unifare Delhi Metro Credit Card comes with many features that protects it and ensures that it cannot be misused. Some of these features include an embedded microchip preventing counterfeiting and duplication. In addition to this, a PIN or Personal Identification Number is provided and is required for transactions at merchant outlets but is not necessary for online purchases. Customers need to also register for a 3D secure code which is verified by MasterCard/VISA secure code.

    MasterCard Moments:

    This is designed especially for MasterCard users. The MasterCard Moments program comes with a number of delightful experiences that can be enjoyed by customers.

    Unique Features and Advantages of the ICICI Unifare Delhi Metro Card:

    Preloaded Balance:

    The ICICI Bank Unifare Delhi Metro Credit Card has a pre-loaded amount of Rs. 100 that is available to use right after the card is availed. This saves up on additional time required to recharge the card.

    Auto Recharge Facility:

    Customers do not have to worry about exhausting the recharge amount on their card thanks to the auto recharge facility which credits Rs. 200 to their ICICI Bank Unifare Delhi Metro Credit Card every time their balance falls below Rs. 100. This also saves customers from waiting in long queues to recharge their card. The recharge amount is debited to the customer’s ICICI Bank Unifare Delhi Metro Credit Card.

    Discount on Travel:

    Customers using the ICICI Bank Unifare Delhi Metro Credit Card can enjoy a discount of 10% each time they travel on the metro while using the card. In addition to this, customers do not have to worry about planning their travel as their fare for the journey will be calculated depending on the station they exit from.

    Fees and Charges for the ICICI Bank Unifare Delhi Metro Card:

    Primary card
    One Time Joining FeeRs.299
    Annual Fee applicable from the second yearRs.299
    Overdue Interest on Extended Credit3.40% per month which amounts to 40.80% per annum
    Interest on Cash Advances3.40% per month which amounts to 40.80% per annum
    Service TaxVaries, is currently 12.36% and is applicable on interest, fees and all other charges
    Supplementary card
    One Time Joining FeeRs.299
    Overdue Interest on Extended Credit3.40% per month which amounts to 40.80% per annum
    Interest on Cash Advances3.40% per month which amounts to 40.80% per annum
    Service TaxVaries, is currently 12.36% and is applicable on interest, fees and all other charges

    ICICI Bank Unifare Delhi Metro Credit Card FAQs:

    1. What is the threshold limit for the Auto-recharge facility to work?

      The auto recharge feature on the ICICI Bank Unifare Delhi Metro card ensures that the customer always has a certain amount of balance available on his/her Delhi Metro Smart Card Chip. This feature gets activated every time the balance reaches a threshold limit of Rs. 100 post which a top-up amount of Rs. 200 will be credited to the customer’s Delhi Metro Transit Chip.

    2. How can customers redeem their PAYBACK points?
      • Customers can redeem their PAYBACK Points for either Rewards or Metro Miles. The procedure for both vary slightly as mentioned below -
      • Customers redeeming their PAYBACK Points for Metro Miles need to call the official number, post which a recharge of the corresponding amount will be received within 21 working days on their Delhi metro Smart Card Chip. Also, customers are required to have at least 400 PAYBACK Points in order to redeem them against Metro Miles.
      • In case customers are exchanging their points for Rewards, then they will have to call the PAYBACK Customer Care and place an online request online on the PAYBACK website after which they will receive the reward within 10 working days.
    3. Can customers use both the ICICI Bank Unifare Delhi Metro Credit Card and a Delhi Metro Smart Card on the same journey?

      Customers are advised not to use both their ICICI Bank Unifare Delhi Metro Credit Card and Delhi Metro Smart Card during the same journey as doing so may attract a fine as per the rules of Delhi Metro.

    4. If the Auto Recharge facility is not used for a long period of time, will it be deactivated?

      No, the Auto Recharge facility on their card will be deactivated only if the customer places a request for it and is not dependent on the usage.

    5. What measures can a user take if his/her ICICI Bank Unifare Delhi Metro Credit Card is unreadable or is damaged?

      If a customer’s ICICI Bank Unifare Delhi Metro Credit Card is damaged or unreadable, then he/she can visit the customer service window that is present at the station. In case the situation is not resolved, then the ICICI Bank Customer Care can be contacted. The existing credit card will be closed and a new one will be issued. However, the balance amount on the previous card will not be transferrable.

    ICICI Bank Unifare Delhi Metro Credit Card Reviews

    • ICICI Bank Credit Card
      "Good application but need improvement"
      0.5 3.5/5 "Pretty good"
      I don't have good experience with ICICI, anyway the I mobile app is easy to do fund transfer and other service and if I place the request for cheque book immediately processed it. However some time the service get hang , they need to develop on that part.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      The redemption of reward points are very less and the product they are offering for the points which was high. I am not able to purchase the product on those points. I have no issues with the customer support. The rate of interest is average. I need to spend a lot to accumulate the 10% discounts for shopping.
      Was this review helpful? 0
      , mohali
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Can do Better"
      0.5 3.0/5 "Satisfactory"
      In ICICI bank, they were already collecting the interest rate for swiping the card, again in the bill they were adding one more charges its not upto the mark. Its a normal card with other benefits but still I think it has the annual fee around Rs. 500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Need to improve"
      0.5 4.0/5 "Great!"
      I am having Coral card and using it almost 5 years, Still am not sure about the benefits. It was fine for the basic purpose. The credit limit needs to be better. There is no annual fee. I have contacted the helpline number and it takes bit longer to connect with the representative. There is no hidden charges so far.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Execellent"
      0.5 5.0/5 "Blown Away!"
      ICICI bank has been pretty good in the customer services. I hold a credit card and the banking process is excellent as all the features are online. The limit is also good and the offers are pleasing. The card is also accepted all over. The statements are clear.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 13, 2019
    • ICICI Bank Credit Card
      "On time process"
      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. There are good offers on the card and the charges are nominal. The customer services was good overall as I was contacted on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 13, 2019
    • ICICI Bank Credit Card
      "Need to improve overall"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with ICICI Bank as well and it has not been a good experience. They need to work on the customer services and response and be more proactive. Like wise there should be an improvement in the offers as well. I will not recommend them for the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 13, 2019
    • ICICI Bank Credit Card
      "Banking is convenient"
      0.5 4.0/5 "Great!"
      ICICI bank is equally good in the benefits for the credit card. The customer support is good and and the time taken to reach them is not long. It is a quick process. The statements are clear and the transactions can be viewed online as well. Overall it is perfect.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 13, 2019
    • ICICI Bank Credit Card
      "Good in service"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card as well. They are good in the offers. I have requested for a enhancement and they are working on it. The credit limit was less initially. Else the customer services are good and they are responsive as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 13, 2019
    • ICICI Bank Credit Card
      "Easy to bank with"
      0.5 4.0/5 "Great!"
      ICICI bank is equally good in the benefits for the credit card. The customer support is good and and the time taken to reach them is not long. It is a quick process. The statements are clear and the transactions can be viewed online as well. Overall it is perfect.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 13, 2019
    • ICICI Bank Credit Card
      "Overall good experience"
      0.5 4.0/5 "Great!"
      The services at ICICI Bank is good and the experience is overall nice for the credit card. The card is accepted all over and the transactions are smooth, but it will be more nicer if I get the alerts on all the transfers done. I am also happy with the credit limit and it is a free card. The billing cycle is also comfortable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 13, 2019
    • ICICI Bank Credit Card
      "Overall experience is fine"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank has offered me a credit card as well. The customer services are good and there are good offers and the limit is also good. The statements are clear and are sent to me on time. I have not faced any inconvenience till date while using the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 13, 2019
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and the process is good. The statements are clear and I receive the same on time. There are good offers and features and the credit limit is good as well. The card is a life time free card and no issues in all.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 13, 2019
    • ICICI Bank Credit Card
      "Happy with the services"
      0.5 5.0/5 "Blown Away!"
      The services on the credit card is also good at ICICI Bank. There are much of offers and there are no hassles while using it. I am happy with the overall experience. The credit limit is also satisfactory and there are no hidden charges on this card.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 13, 2019
    • ICICI Bank Credit Card
      "Good in all"
      0.5 4.0/5 "Great!"
      I am getting a proper service for the credit card from ICICI Bank. There could be more offers on the card and the credit limit is good overall. The card can be accessed at all out lets and online as well. The customer services are good overall and online banking is user friendly.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 13, 2019
    • ICICI Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Its been 15-20 years since i am using ICICI credit card. I have got a good limit over here and i am happy with the services. I never had any issues over any transaction and i get messages, intimations instantly after every transaction. Customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 13, 2019
    • ICICI Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI Coral credit card, I never utilized the benefits and I believe It has good offers. Am using it for more than 2 years. I just normally using for the basic purpose. The charges are nominal. I can convert the payments to flexi pay and payment was done via their app.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 12, 2019
    • ICICI Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I hold a ICICI credit card and i am using it from few days. The limit which i have got on my card is good . Its a free life time card with no annual charges. Offers are not much and probably bank can provide offers to their customer. I get notifications after every transaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 12, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have not used very much, I have taken the card 3 months back. ICICI card has no annual charges. They have given a good credit limit of 35K even though transactions are very less. The customer service and response is excellent. There is no online app to make the payment, only who holds saving account they can do it through imobile app.
      Was this review helpful? 0
      , ranchi
      Reviewed on Jan 12, 2019
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      ICICI Bank is good overall in the credit card offers and deals. The customer services and response is good. The credit limit is good and there are no hassles while using the card. The statements are also sent to me on time. In all there is no inconvenience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 12, 2019
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