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

    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The banking services with ICICI is very good when it comes to Credit card service. When it is compared to other banks I feel that the fee and charges applied on my Coral credit card is quiet normal. The offers were good on some aspects, I was not provided with any reward points and cash back offers I am happy with the offers provided on my card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      ICICI gives me more reward points for credit card spent and basically for the fuel filling, I used to receive good points. I could redeem only into a voucher like sodexo, pizza hut etc. Credit limit which ICICI bank have provided me its good and fine.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI credit card for past two years, but so far I didn't get any reward points or any cash back from them and also they offered me lower credit limit, I have requested them to increase the limit but was no response from their end. I am very disappointed with such of response.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Not recommendable"
      0.5 1.0/5 "Really Bad"
      I had a terrible experience with ICICI Bank. I had a credit card and I have cleared all my dues in 2008. After six years the bank still takes a payment of 6K from me. The bank has not been professional and I would never want to recommend them to others.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I got very good service from ICICI bank credit card department. I use the platinum chip credit card with ICICI bank for past 7 months. I have got the credit limit of Rs.20,000 and I would say they need to increase the credit limit in future. I am happy using the ICICI bank credit card .
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      The Coral Visa credit card is used by me for more than 3years. The customer service need to be improved ICICI credit card department. This card is used for shopping, purchases, online games and bill payments, The rewards point cash back offers are available with this card but I never used it. The credit limit is low with this card, they need to increase the credit limit as soon as possible.,
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Unhappy with the services"
      0.5 2.0/5 "Expected more"
      Couple of occasions, I had faced some challenges using my ICICI bank credit card. I had made the payment late once, the actual payment due date was 16th of the month . I had made the payment on 17th morning and its because of which the bank levied some charges. I had asked them to waive off the charges but the bank denied despite holding an account with the same bank for 17 years the bank did not consider my request therefore I am completely unhappy with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a ICICI bank coral visa credit card for past 6 years. I use this card for shopping, bill payments and for other fuel purchases. I am happy with the credit limit. There is no annual fee at all for this card. I am satisfied using the coral credit card from ICICI bank.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken my credit card with ICICI bank.Here the process for credit card was quick and hassle free than other banks. I have linked my salary account with credit card to make my payment process easy but this option is not there with other banks. Their customer service and responses was up to the mark.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      I have taken my credit card with ICICI bank and using it for about 2 years . I don't feel that's its convenient comparing to HDFC's credit card. Here payback points will be added to my account and I could use that points on bill payments , recharges , eBay and Vodafone.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using the ICICI bank coral Visa credit card for past 3 years. I use this card for all type purchases ,shopping and for other expenses. The reward points, cash back offers are available with this card. There is no annual fee for this card. I would say I am satisfied with the credit limit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • ICICI Bank Credit Card
      "Decent offers"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank has provided me with a credit card and the offers on the card is also good. There are a lot of deals which come through and I am very much informed about the same. The online banking is good and very much easy to make my payments. The limit is also good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      Service was very good from ICICI ,but when it comes to offers I wont get much,but the customer support and other representatives were very helpful also I can use my ICICI credit card anywhere and I uses platinum card ,so overall service was good from ICICI .
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      Service was very excellent from ICICI ,even the offers I use to get regularly I feel the rate of interest was high with my ICICI platinum card. Customer support and other representatives were very helpful also I can use my ICICI credit card anywhere ,so overall service was good from ICICI .
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      It was good banking with ICICI they give good reward points on each transaction .They have provided many offers the card which i am holding is a rewards card with much benefits and no GST is deducted during all my transactions like other .I am a existing customer of ICICI .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "Very good features"
      0.5 5.0/5 "Blown Away!"
      The offers on my credit card is good and there are no issues while using them. ICICI Bank has been the best for me as they are transparent in the process. The charges are clear and they have a very flexible billing cycle. The online banking is also good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "Average card"
      0.5 4.0/5 "Great!"
      ICICI Bank credit card is a kind of average. The reason being what ever features were mentioned online I had got the same features and I had opted for the same . Drawback is not that much also I am very much happy with the line of credit provided by ICICI Bank too.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "Satisfied with the limit"
      0.5 5.0/5 "Blown Away!"
      The credit card limit is good at ICICI Bank and the services are good as well. Though I am not getting any much offers. I still like the support I get. The bank has enhanced my credit limit when I asked them to do so. The statements are clear and on time.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Having the ICICI bank Coral VISA credit card for past 2years. I use this card for online shopping, fuel purposes and for others uses. This card has the reward points and the other online offers but I don't use them , I can say good to have a handy credit card with ICICI bank. I am happy with the credit limit. I pay the annual fee of Rs.500.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 18, 2017
    • ICICI Bank Credit Card
      "Good services"
      0.5 4.0/5 "Great!"
      The deals at ICICI Bank for my credit card is good. The bank provides the best and they also have good customer services. The offers I get online at Ecommerce portals and other deals are satisfactory. There are no charges for my card and the transactions goes through without any technical errors.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 18, 2017
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    ICICI Bank Unifare Mumbai Metro Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    ICICI Bank Unifare Mumbai Metro Credit Card

    Get the best of both worlds with the ICICI Bank Unifare Mumbai Metro Credit Card which has the features of both a credit card and the Mumbai Metro Smart Card. Mumbaikars now have the convenience of availing facilities such as auto recharges and discounts while travelling on the Metro. Apart from this, customers also receive PAYBACK points which can redeemed for a whole lot of exciting gifts. The ICICI Bank Unifare Mumbai Metro Credit Card comes with a whole lot of other benefits and advantages which makes it a boon for every Mumbai Metro traveller. The ICICI Bank Unifare Mumbai Metro Credit Card comes with a prior credit amount of Rs. 100 which enables the immediate usage of the card.

    Benefits of the ICICI Bank Unifare Mumbai Metro Card:

    PAYBACK points on every spend:

    Customers stand to earn PAYBACK points every time their ICICI Bank Unifare Mumbai Metro Credit Card is swiped for any purchase thanks to PAYBACK which is one of the country’s highly successful loyalty programmes. Except on fuel related spends, customers can earn 2 PAYBACK points for every Rs. 100 spent. In addition to this, every time users spend Rs. 100 on auto recharge, they stand to earn 4 PAYBACK points.

    These points can be redeemed against a variety of exciting gifts such as fragrances, holidays, dining experiences and more. Apart from this, PAYBACK points can also be used for travel thanks to Metro Miles which is an option solely available on the ICICI Bank Unifare Mumbai Metro Credit Card. These points can be exchanged for a cash recharge of the same amount wherein each point is equal to Rs. 0.25 when used for Metro Miles.

    Dining Discounts:

    Foodies can now rejoice, especially those who are ICICI Bank Unifare Mumbai Metro Credit Cardholders. A minimum of 15% can be saved on their dining bill from various top notch restaurants across the country. This offer is made available by ICICI Bank Culinary Treats.

    Waiver of Fuel Surcharge:

    ICICI Bank Unifare Mumbai Metro Credit Card users can avail a waiver of 2.5% fuel surcharge at HPCL pumps if the credit card is swiped on ICICI swipe machines. This option is available on fuel transactions of up to Rs. 4000.

    Priority for Security:

    Security is given utmost importance and the ICICI Bank Unifare Mumbai Metro Credit Card has a microchip embedded within it that prevents duplication and counterfeiting. Apart from this a PIN or Personal Identification Number is also given which is required for transactions at merchant outlets. However, it is not necessary for online spends. Customers are also requested to register for a 3D secure code that is verified by MasterCard/VISA secure code.

    MasterCard Moments:

    This is especially designed for all those who have MasterCards. MasterCard Moments is a program that provides a number of amazing experiences designed to excite and inspire.

    Unique Features ICICI Unifare Mumbai Metro Credit Card:

    Preloaded Balance:

    The ICICI Bank Unifare Mumbai Metro Credit Card comes with Rs. 100 which is credited to the card and hence can be used immediately after it is procured without having to wait for recharges to be done.

    Auto Recharge Facility:

    Customers now have the option of getting their Smartcard Chip Balance on their ICICI Bank Unifare Mumbai Metro Credit Card automatically recharged, saving them from the hassle of waiting in long queues.

    Discount on Travel:

    ICICI Bank Unifare Mumbai Metro Credit Cardholders can also avail a discount of 20% each time they travel on the Mumbai Metro using their card. Apart from this, customers are also saved from the trouble of planning their travel as the fare will only be calculated from their exit station.

    Fees and Charges for the ICICI Unifare Mumbai 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 Mumbai Metro Credit Card FAQs:

    1. How does the auto-recharge facility work?

      For recharging the Mumbai Metro Smart Card Chip, the auto recharge feature on the ICICI Bank Unifare Mumbai Metro Credit Card can be used. Each time the balance on the commuter’s Mumbai Metro Smart Card Chip falls below the threshold limit, Rs. 200 is automatically credited to the Mumbai Metro Smart Card Chip and debited to the ICICI Bank Unifare Mumbai Metro Credit Card.

    2. How can PAYBACK points be redeemed?

      PAYBACK Points can be redeemed for two options, either for Metro Miles or Rewards -

      • For Metro Miles, customers are requested to call the official number following which they will receive a recharge of the corresponding amount within 21 working days on the Mumbai Metro Smart Card Chip. Apart from this, in order to redeem against Metro Miles, customers will require a minimum of 400 PAYBACK Points.
      • If points are being redeemed for rewards, customers are requested to call the PAYBACK Customer Care and place a request online on the PAYBACK website, post which they will receive the reward within 10 working days.

    3. If a customer has both the ICICI Bank Unifare Mumbai Metro Credit Card and a Mumbai Metro Smart Card, can both the cards be used during the same journey?

      Customers possessing both the ICICI Bank Unifare Mumbai Metro Credit Card and a Mumbai Metro Smart Card are advised to use a single card at the entry and exit points as using different cards may attract a fine as per the rules of Mumbai Metro.

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

      The Auto Recharge facility on the card can only be deactivated on the request of the customer and is not based on the usage.

    5. What measures can a user take if his/her ICICI Bank Unifare Mumbai Metro Credit Card is lost or stolen?

      If a customer has lost or misplaced the ICICI Bank Unifare Mumbai Metro Credit Card, he/she is advised to immediately contact the ICICI Bank Customer Care who will then block and replace the Credit Card. However, it is to be noted that the balance on the Mumbai Metro Smart Card Chip cannot be transferred to the new Smart Card Chip.

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