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  • ICICI Bank VISA Signature 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.
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      , 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.
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      , 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 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.

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