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  • ICICI Bank VISA Signature Credit Card

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  • The ICICI Bank VISA Signature Credit Card is designed to make your life run smoother. For the frequent traveller, the card assists you any time with i-Assist, your personal concierge service. Plus, get complimentary access to exclusive lounges around the world. Rest and freshen up between your travels. The card also caters to the golf lover, giving you opportunities to play at some of the best golf courses around the world. Get special privileges and hand-picked rewards with your ICICI Bank VISA Signature Credit Card.

    Benefits:

    Welcome benefits:

    Upon becoming an ICICI Bank VISA Signature Credit Cardholder, you will receive 30,000 hand-picked rewards. You can redeem these points from the “Hand-picked rewards” catalogue which includes a number of popular brands.

    Hand-picked rewards :

    Every time you spend Rs. 100 on your card, you earn 10 hand-picked rewards. You can later redeem these reward points from the catalogue that lists out a variety of options like fashion, apparel, dining, travel, gadgets, home electronics and even air miles. For every 1250 points, you can avail of a voucher worth Rs. 1000.

    Golfing Privileges:

    You get complimentary access to golf courses in India and abroad. You also get one free round of golf per month if you spend a lakh or more on your credit card in the previous month.

    Lounge Access:

    As an ICICI Bank VISA Signature Credit Cardholder, you are entitled to a complimentary Priority Pass. This gives you access to over 600 selected airport lounges around the globe irrespective of the airlines or class you fly on. The annual fee of US$ 99 is waived but you will have to bear the lounge visit charges.

    i-Assist:

    Your very own concierge service at your call 24/7, i-Assist is with you to make your life more relaxed. i-Assist helps you with making reservations at restaurants, sending flowers and gifts, booking hotels, travel and car rentals. It also assists with emergency auto needs and medical services.

    Fuel surcharge waiver:

    Fill up at any petrol station and get the fuel surcharge waived.

    Features:

    Interest-free credit period:

    Spend on your credit card and pay for your purchases 18-48 days later. Pay your bills in full to continue your credit period. The interest-free period depends on a few factors like when you make the purchase, your outstanding balance, and so on.

    Attractive interest rates:

    Get interest rates at 3.40% per month on your credit card. Your interest rates can also depend on your relationship with the bank, your purchase and credit history, and loyalty. It can be as low as 1.25% per month. The highest rate of interest you can incur is 3.50% per month.

    Internet Banking:

    Manage your ICICI credit card online at your convenience. Use the Internet Banking service to view statements, pay bills, set standing instructions, dispute transactions, block your card and report the loss of card and more.

    Mobile Banking:

    ICICI Bank gives you the option to bank through the mobile app or through the SMS facility. Download the app and carry your bank with you. Access your account and carry out a number of transactions through your phone.

    Important Fees and Charges on the ICICI Bank VISA Signature Credit Card:

    ChargeAmount
    Joining FeeRs.25000
    Annual FeeRs. 2000 from the second year onwards
    Supplementary CardNil
    Interest on extended credit or overdue interest3.40 % per month or 40.80% per annum.
    Interest on cash advance3.40 % per month or 40.80% per annum.

    Related Fees and Charges on the ICICI Bank VISA Signature Credit Card:

    ChargeAmount
    Cash advance transaction charge2.5% of transaction amount, subject to a minimum of Rs. 300.
    Priority Pass MembershipFree. US$99 otherwise.
    Cash payment at bank branchRs.100
    Cheque or cash pick upRs.100
    Outstation cheque processing charge1% of the cheque amount, subject to a minimum Rs. 100,
    Reward redemptionRs. 99 + service tax is levied for handling and courier on hand-picked reward redemption requests.
    Card replacementRs.100
    Chargeslip requestRs.100
    Overlimit2.5% of the overlimit amount, or a minimum of Rs. 500.
    Dial a loan transaction fee3% of the amount subject to a minimum of Rs. 300.
    Cheque return2% of the total amount payable, subject to a minimum of Rs. 250.
    Auto-Debit return fee2% of the total amount payable, subject to a minimum Rs. 250.
    Fuel surcharge2.5% of the transaction amount or Rs. 10, in case fuel surcharge waiver is not applicable.
    Surcharge on railway booking1.80% of the transaction amount for bookings made online. 2.5% for any other booking.
    Service taxService tax is charged at 14%. Applicable on interest, fees, surcharge and other fees.

    Late Payment Charges on the ICICI Bank VISA Signature Credit Card:

    Total Amount DueCharges
    Up to Rs. 99Nil
    Rs. 100 - Rs. 500Rs.100.00
    Rs. 500 - Rs. 10000Rs.500.00
    Rs. 10000 - Rs. 20000Rs.600.00
    Above Rs. 20000Rs.700.00

    ICICI VISA Signature Credit Card FAQs:

    1. How do I pay my credit card bill?

      ICICI Bank provides you with a number of easy options to make payments towards your credit card. Use any of the following methods to pay your credit card bill.

      • Auto-debit facility - If you have an account with ICICI bank, you can use the auto-debit facility which automatically debits your bank account at your request or standing instructions.
      • Cash - You can pay cash at any of the ICICI Bank branches. A service charge of Rs. 100 is applicable.
      • Cheque or Draft - Write a cheque or draft towards ICICI Bank, your credit card number and your name on the card. Drop the cheque off at any of the ICICI Bank ATMs or branches.
      • Click to pay - To pay from another bank online, you can use the Click to pay service.
      • Customer care - You can also call the ICICI Bank customer care to make payments towards your credit card bill. The customer care agent will guide you through the process.

    2. When does ICICI Bank start charging interest on my VISA Signature credit card?

      If you pay your outstanding bills in full, you will not attract any interest at all. If you choose to pay partially or just the minimum amount due, the outstanding balance will be charged interest. Any subsequent purchase will also attract interest immediately.

    3. How do I request for a new credit card?

      If your ICICI Bank VISA Signature credit card is damaged or lost, you can report it to ICICI Bank via the customer care or Internet banking. You can request for a new card which will be sent to you within 7 working days. The old credit card will be blocked and no longer usable.

    4. What are the annual fees for the ICICI Bank VISA Signature Credit Card?

      When you apply for an ICICI Bank VISA Signature Credit Card, you will incur a fee of Rs. 25,000 as joining charges. There are no annual fees for the first year. From the second year onwards, a fee of Rs. 2,000 will be charged.

    5. What do I do if my credit card is declined?

      If your credit card is declined, this could be because you have exceeded the credit limit, technical errors, the credit card is damaged and so on. Kindly call the ICICI Bank customer care. An executive will be able to assist you in finding out the reason and solution to it.

      

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    ICICI Bank VISA Signature Credit Card Reviews

    • ICICI Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI BANK credit card recently and its good. The credit limit is very very less only and it would be appreciable if they can increase my limit so that I can use this card frequently. The annual fee is not applicable. There is no hidden charges and the payment mode is easier.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 16, 2019
    • ICICI Bank
      ICICI Bank Credit Card
      "Need to provide more offers "
      0.5 3.0/5 "Satisfactory"
      I am using ICICI platinum credit card for more than a year which was processed through a bank directly. It is a life time free credit card. The credit limit is sufficient before, easy to do pay for an online usage and EMI option was applicable. I use for shopping, movie purposes. In this card there is no much offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 15, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI bank coral credit card for more than 2 years where they given for a low limit of 35 thousands till not enhanced for further. It is a life time free credit card. EMI option was applicable and charges are nominal. I use for fuel and shopping purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 14, 2019
    • ICICI Bank Credit Card
      "Very Friendly card"
      0.5 4.0/5 "Great!"
      ICICI bank credit card is linked with my salary account hence they have provided me a zero annual fee credit card. I am getting the benefits of ticket booking, cashbacks and others. They have a rewards points system of paybcks which i can convert into cash.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 14, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank customer service is available on 24/7 days, I am using this ICICI bank credit card from past three years, EMI option are available its an life time free credit card, credit limit is good, cash back offer and movie ticket offers are good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 13, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using ICICI Bank credit card which was directly taken through Bank .I am using this credit card for the past 3 years .I have got a very good credit limit and got all the required information about the card process This was a free card .I have not used and checked cash back offers and reward points .
      Was this review helpful? 2
      , surat
      Reviewed on Sep 13, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having ICICI Amazon credit card where there are cash back offers based on my purchase amount in Amazon website they are giving 3% of cash back from my purchase amount and if I am a prime member then I get flat 5% cash back on amazon pay but for the EMI options there are no cash back and reward points applicable.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      I am holding ICICI credit card where the I was given good limit, offers are available, using Bank bazaar service from past 3 years, EMI options are available by calling customer care and they have charging processing fee of 2% and flat interest rate of 13%
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Best card in the market"
      0.5 4.0/5 "Great!"
      I am having Coral on American express card from ICICI bank. I used the credit card for mostly on online website. I need to pay the annual fee on this card but the card features are really good. i am holding this credit card for a while and i'm satisfied with the services.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Good in the market"
      0.5 4.0/5 "Great!"
      I get offer on flight tickets booking, movie tickets booking and on petrol 1% sur charges waiver, makemytrip offers. I am holding the ICICI credit card for last 1 month and the provided limit is better than other credit card. Its a life time free credit card and i am not yet received a first month bill and they have dispatched the card as per their promised time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Worst service"
      0.5 2.0/5 "Expected more"
      I have a credit card from ICICI. Every day i receive a call from customer care and they will inform about the offers. I'm receiving a messages also regarding that. When i apply those offer in online, it will show that "its not applicable or else i do not have any offer". More than 2 years, i am utilizing the card benefits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Need to prrovide reward points and cash back"
      0.5 4.0/5 "Great!"
      I am using ICICI bank coral credit card for more than 3 years which was applied directly to bank. It is a life time free credit card but the limit which was given for a low of 30 thousands only not yet enhanced. EMI options are nominal for this card. It is useful book my show so I get one free ticket based on the usage I have not get points yet.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have ICICI Bank credit card which was directly taken through Bank .I am using this credit card for the past 2 years .This is a free card and i have got the credit card on time without any hassle .The credit limit was really good and satisfied according to me .There are good reward points as well as cash back offers .This card is very comfortable to use and easy to access .
      Was this review helpful? 0
      , indore
      Reviewed on Sep 11, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have taken ICICI bank make my trip credit card for more than 8 months which was processed through bank directly. On time I received a card and it was a life time card and the credit limit is sufficient, for this card some charges are applicable and it is nominal. I use this card for travel purposes.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 11, 2019
    • ICICI Bank Credit Card
      "Need overall improvement"
      0.5 2.0/5 "Expected more"
      I have coral card its not that much worthy, we won't get any offers from their end but initially they told many things but after received my card it took 2 weeks to activate, the customer care is also not upto the mark finally I went to the bank and the charges are more on the daily basis for credit transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 10, 2019
    • ICICI Bank Credit Card
      "Professional banker"
      0.5 5.0/5 "Blown Away!"
      I'm customer of SBI for past 16 years. Since 2006, i am having a credit card from ICICI bank. They have provided me a credit limit of Rs. 40000 and they have called me to increase the same but i have declined. I don't look into the benefits. There was a solution given by bank even though if i face any issues. They handled the issue very professionally.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 10, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      For the past one year I am using ICICI bank coral credit card which was processed through an online. It was a life time free credit card. They have given for a credit limit for more than one lakh. I use this card mostly for shopping, flight ticket, movie and travel purposes.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 10, 2019
    • ICICI Bank Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was offered by Bank directly .I am using this credit card for the past 2 years .This was a free card and this was a paperless approval .The credit limit was really good and there are good cash back offers and reward points .I am really satisfied on using this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 10, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank .I am using this credit card for the past 2 months .This was a chargeable card .Customer service is also good and there are good reward points as well as cash back offers.The credit limit was really good and there was no difficulties faced so far.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 09, 2019
    • ICICI Bank Credit Card
      "Low documentation card"
      0.5 4.0/5 "Great!"
      1 month ago, i bought the credit card from ICICI bank. There is no reason for choosing ICICI but one of my friend is suggesting me to purchase this card. The benefits are similar like other credit card. There is no joining fee for this card. The documentation process is smooth and the entire is over in 10 days. They have sent a card without any delay.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 07, 2019
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