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  • ICICI Bank VISA Signature Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    ICICI Bank VISA Signature Credit Card

    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.

    ICICI Bank VISA Signature Credit Card Reviews

    • ICICI Bank Credit Card
      "Average Service"
      0.5 4.0/5 "Great!"
      I have been holding this card for a while and the services which they had been providing so far had been very good. They had been given with a very good credit limit and i have been using the card for shopping and other purchases but recently i have stopped using the card much and there has been a minimal usage now with the card. Their mobile application has been very helpful and it has been very much user friendly as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Hassle free services"
      0.5 4.0/5 "Great!"
      Just once i called the customer care to check about the airport launch access. Their is no services for this charges. The interest rates same like other credit card. I don't remember I'm paying any annual fee. I'm getting some movie tickets offer but i never utilized it. I'm holding this card for more than 4 years. I don't much use this card. I never increased the limit so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "BETTER"
      0.5 5.0/5 "Blown Away!"
      I have been using since 2 years. Documentation i have done through the bank. I have got my credit card after 1 month when i have applied for my card. Limit i am satisfied with my card what they have provided for me. Offers i am getting in my card but i am not using it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding this card for almost a month. The credit limit with the card has been satisfactory and it has been a very minimal usage i have made with this card. The process in getting the card has been very smooth and easy as well. There has not been any issues faced with their banking services so far.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have been holding this account for a while and there has not been much issues faced, the credit limit has been satisfactory and there has been a minimal usage i have been making, and the services o far had been good and there has not been any issues faced.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Average Service"
      0.5 1.0/5 "Really Bad"
      It has been almost three months i have been holding this account and the services which they had been providing so far had been okay. The credit limit with the card has been less than i expected and there has been issues faced with using the card. I have not been able to use the card for my purchases as the credit limit has been less. Their customer support has been good and they had been responsive.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Reliable Card"
      0.5 5.0/5 "Blown Away!"
      It get the Internet shopping in different website. I can able to withdraw the money from this card. Most of the countries, i can access this card. In many of the showroom, their is a cahback offer for my apple i phone. I will get monthly two tickets free. I will get 1 free international and 2 domestic airport launch access is there. The gave the credit limit is very less.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "One of the best"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI bank credit card from the last 2.5 years of time. I would like to say that the customer service is good one and its very quite easy to access their customer service. I am really happy with the ICICI bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the ICICI bank and the response is good too. I would like to say that the credit limit value is good with the ICICI bank credit card and the online services are good too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have been using the card for the lat 5-6 years and they had been providing a good service so and there has not been any issues faced so far with their services. The credit limit with the card has been satisfactory and i have been using the card for shopping and all other purchases as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have been holding this card for the last one year. The credit limit with the card has been less than i expected, but there has been good offers with the card like reward points and cash back offers as well. I have been using the card for shopping and all other purchases as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have a salary account with Icici bank, I am happy with the services of the bank, I never faced any issues as such it has been a smooth banking with them. The customer service they provide is also good, they give quick and fast responses. I am satisfied banking with them.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have a credit card taken from Icici bank, the limit they have offered me is Rs. 2,00,000, the services of the bank is good I am quite satisfied with it. I never faced any issues with their transactions, I get good customer service s well, I am quite happy with the services.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have a credit card from Icici Bank, the limit is Rs. 2,00,000, the services I experienced with this bank is good so far. The card they have offered is lifetime free, hence I am not worried about the fees and charges. I am satisfied with the credit card I have.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 14, 2018
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with ICICI bank from last 6 months, the credit limit is less when compared to other credit cards. There was no annual fee charged at the time of getting this credit card. The only benefit i got in this credit card is free insurance. All my transactions are hassle free in this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Having the ICICI bank platinum chip credit card for the past 6 years. The customer support service and the response is good with the ICICI bank. The credit limit value is god with this ICICI bank platinum chip credit card and i am satisfied with it, at present I am not using this ICICI bank platinum chip credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • ICICI Bank Credit Card
      "I'm yet to use this card"
      0.5 2.5/5 "Just OK"
      It is a co-branded card. It is a life time free card but in broacher they are mentioned that Rs.199 for that i have to check with the customer care. I never called to their customer care. I'm not very keen on using the credit card. I got this card recently a week before.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I hold a credit card with ICICI bank from last 3 months, i am not aware of any offers on this credit card. I have no issues with any transactions with this credit card. I am happy with the credit limit and there was no annual fee charged at the time of getting this credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 13, 2018
    • ICICI Bank Credit Card
      "Great Card to Use"
      0.5 5.0/5 "Blown Away!"
      When I'm traveling, I'm using this ICICI Coral Contactless credit card. Airport launch, IRCTC launches are available in this card. I'm using this card for couple of months. I don't find much offers available in this credit card. Overall, I'm glad to have this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 13, 2018
    • ICICI Bank Credit Card
      "Happy with the ICICI Card"
      0.5 5.0/5 "Blown Away!"
      The purpose of getting card is for fuel and purchase. I wont use this credit card for online purchase. I will use the card in merchants by swiping the card in POS machines. I have been a ex employee of ICICI Bank from that i have received a free life time free credit card.I don't check the offers on regular basis. Generally, i used to get the rewards points.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 13, 2018
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