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

    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a ICICI bank platinum chip VISA credit card for past 4 months. I use this card for purchasing ,shopping's, bill payments and for other uses. I am happy with the credit limit.There is no annual fee with this card. The customer service is good with ICICI bank credit card department.
      Was this review helpful? 0
      , kannur
      Reviewed on Sep 25, 2017
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      It is a average experience with ICICI Bank for the credit card. The bank needs to work on the offers and the credit limit. There is nothing much exciting about the card and there are charges as well for it. Being an existing customer there are no deals.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 25, 2017
    • ICICI Bank Credit Card
      "Its Convenient credit card"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card around three years, but when I tried to extend the credit limit. They increased only Rs.10,000 it is not all sufficient, but still I appreciate the response time is good, on the same day of my request they have increased the limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 25, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken my credit card with ICICI bank 2 years back. I have applied through net banking and It was a easy process. They have offered platinum card and the benefits are just reward points. The credit limit was 45,000 and I have 24/7 helpline number which is satisfactory. My overall experience was good
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 25, 2017
    • ICICI Bank Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      ICICI Bank is good on the credit card services and they have given me a credit limit of 1.7 Lakh. The customer support is good and they are very much responsive when ever I contact them. There are regular offers and I am also informed about the same.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 25, 2017
    • ICICI Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is very good in the credit card unlike the services they offer me on the debit card and loan. The offers are excellent and the limit is also good and more than satisfactory. There has been no issues till date and I hold they stay the same.
      Was this review helpful? 0
      , kota
      Reviewed on Sep 24, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 3.0/5 "Satisfactory"
      I have taken my credit card with ICICI bank. They have offered coral card and the credit limit was just 20,000 so I have closed the account .The customer service and responses was not satisfactory so I would like to rate 3 out of 5 overall. My overall experience was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 24, 2017
    • ICICI Bank Credit Card
      "Bad"
      0.5 2.0/5 "Expected more"
      I have taken my credit card with ICICI bank year back. They have offered platinum card but there is no benefits at all . The credit limit what they offered was 2lakhs and I am satisfied with it. The process for credit card was tough here. The customer service and responses was not up to the mark.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 24, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The ICICI bank coral credit card gives offers like buy one get one offer, movie tickets booking and then it is easy to use and master card to use the for purchases the customer service is good with ICICI bank. The credit limit is high and I am satisfied with it. There is no annual fee for this card . The rate of interest is high.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 24, 2017
    • ICICI Bank Credit Card
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      There are good benefits and services from ICICI Bank. They have a very good customer support and the experience is prefect. I hold a credit card and the offers on the card is good and the credit limit is also perfect. The statements are sent to me on time as well.
      Was this review helpful? 0
      , anand
      Reviewed on Sep 24, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The best about my credit card with ICICI Bank is there is an EMI option. I only have to call the customer care and covert my EMI to which ever tenure is suitable to me. It could be from three to 12 months. It is also a life time free card. The services are excellent.
      Was this review helpful? 0
      , baddi
      Reviewed on Sep 24, 2017
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      There are no much of offers on the ICICI Bank credit card. It has not been a very good experience. Even if I do get the offers. It does not work for me. The limit is okay. The overall services can be improved too. I would not want to recommend them to others.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 24, 2017
    • ICICI Bank Credit Card
      "Good, Can do better"
      0.5 4.0/5 "Great!"
      ICICI Bank could be more better in the offers. I hold a credit card and the EMI offers can be more better. The customer services are good and the statements are on time. But there could be more feature and facilities on the card and the limit can also be good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 24, 2017
    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      There are regular offers and the credit limit is perfect initially was holding platinum card later they have upgraded me to corral card,Credit card process is with ICICI Bank and the bank is doing great on this process too. The customer support team is also easy to connect with and they sort out the details on time and without any inconvenience
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 24, 2017
    • ICICI Bank Credit Card
      "Could provide more offers"
      0.5 4.0/5 "Great!"
      There are not much of offers on the ICICI Bank credit card. They need to work on the point system they offer and the other deals as well. The customer support is good and they are responsive. The statements are on time and it is clear. Overall experience is okay.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 24, 2017
    • ICICI Bank Credit Card
      "Could provide more offers"
      0.5 3.0/5 "Satisfactory"
      ICICI bank is also not up to the mark on the credit card. There are no much of airport lounges facilities and the limit is also not up to the mark. The rewards are not good when compared to YES bank and the customer support also needs an improvement.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 24, 2017
    • ICICI Bank Credit Card
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      It is a best service from ICICI ,even I use to get good regular offers from ICICI . customer support was very helpful and responsible in providing service I never got any queries with their service till now. Overall it was a excellent service from ICICI.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 24, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I am having the credit card with the ICICI bank and its the coral credit card. I have not went beyond the line. Credit limit value is good one for me and their response is fine one with them . Initially, I have faced some issues with them and now its fine after two years of time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 23, 2017
    • ICICI Bank Credit Card
      "Happy to have it"
      0.5 4.0/5 "Great!"
      I am having the ICICI bank credit card from the last thirteen years of time. Response is very good and their offers are also good one with them. Customer service and other things are also working good. Hope the same is continued for the years to come as well!
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 23, 2017
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have applied for a credit card with ICICI Bank. They have acknowledged my application immediately and processed it. I Have this card for about 10 years now The services and response from them was swift and they value the customer. They are very much professional too and the limit is 40000 rupees.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 23, 2017
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    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.

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