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  • ICICI Bank VISA Signature Credit Card
    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
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I started using the ICICI BANK CORAL CREDIT CARD around 5 years ago. The customer support service is good with the ICICI bank. I use this ICICI BANK CORAL CREDIT CARD for shopping , online purchases and for other bill payments. I am satisfied with the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have opened a savings account with ICICI bank,the account is active for last eight years.The daily withdrawal limit is 50,000 through an ATM.there is limitation to number of withdrawal.I have no hidden charges or technical issues faced till date.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been banking with ICICI bank for past ten years of time.The limit on the card is 48,000.They offered credit limit increase but i did not avail that offer.Net banking is very comfortable to make payments.I have an EMI option in this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I had a credit card with ICICI bank,the limit on the card is 30,000.I have been using this card for last two years,i had closed it three years ago because of no proper service and low limit.I felt the card was not much convenient to use.Net banking was quite comfortable to make payments.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 23, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      ICICI bank has disbursed the ICICI bank coral platinum credit card within 20 tp 25 days of time. The customer support service was good with the ICICI bank . The credit limit value is average with this ICICI bank coral platinum credit card, still I am satisfied with the limit.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 23, 2018
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      Around for the past 10 years, I use the ICICI VISA PLATINUM CHIP CREDIT CARD . The customer support service is good with the ICICI bank. I use this card for shopping , online purchases and for other bill payments. I am satisfied with the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using ICICI bank credit card for last eight months of time,The card is accepted in all outlets,the limit on the card is64,000,i rarely use this card.i have no annual fees to use tit,i don't get nay offers till date.i get good rewards points for every purchase.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 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 1.5 years, the credit card services are pretty good when compared to all other credit cards. I paid an annual fee of Rs 500 for this credit card. I get offers like buy 1 get 1 movie tickets in this credit card. I use net banking for making payments and i have a credit limit of Rs 1 lakh in this credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 23, 2018
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      The experience at ICICI Bank is good and there are no issues in using the credit card. The customer services and response is good. There are good offers on the card and the credit limit is also good. It is a smooth process and in all I do not have any inconvenience.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 22, 2018
    • ICICI Bank Credit Card
      "Looking for Better Credit Limit"
      0.5 4.5/5 "Excellent!"
      I am holding ICICI credit card around one year but the credit limit is very low. I tried reaching their customer service but there was no response, it would be great if they enhance the limit based on the transaction. I have life time free credit card from ICICI bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with ICICI Bank for the savings account and the banking process is good. There are no hassles and they have a good net banking facility. There are no charges taken for the transactions. The phone banking is also good and it is easy to connect with.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • ICICI Bank Credit Card
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      There were good offers on the credit card of ICICI Bank and the customer services are also good too. The credit limit was not up to the mark. Else the experience is good. They are responsive when ever I reach out to them with a query. Satisfactory overall.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 3.5/5 "Pretty good"
      I am holding the ICICI bank Rubyx Visa credit card for the past 9 months. I have paid Rs.2800 as the annual fee, The credit limit value is good with this ICICI bank Rubyx visa credit card and I am satisfied with it. The hidden charges are high with this card and there is no transparency in the ICICI bank credit card process.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • ICICI Bank Credit Card
      "Good "
      0.5 3.0/5 "Satisfactory"
      I am using ICICI bank credit card from the last eight years to ten years of time. Customer service is very good and their responsiveness too. I would like to say that the credit limit value is an average one for me with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • ICICI Bank Credit Card
      "looking for better credit limit"
      0.5 1.0/5 "Really Bad"
      I am using ICICI bank credit card from last 6 months, the credit card services are not up to the mark in this bank. An annual fee of Rs 300 has to be paid every year for this credit card. I did not find any offers and benefit in this credit card. I have a credit limit of Rs 20000 which is less this credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 3.5/5 "Pretty good"
      Its been more than 10 years I use the ICICI bank platinum coral credit card. The credit limit value is good with this ICICI bank platinum coral credit card. I use this card for online purchases, bill payments and for other usages. I get better benefits with this ICICI bank platinum coral credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Feb 21, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Using the ICICI bank platinum credit card . The customer support service is good with the ICICI bank. The credit limit value is good with the ICICI bank platinum credit card and I am satisfied with it. This card is good to use from the ICICI bank platinum credit card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 21, 2018
    • ICICI Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      ICICI credit card service is good, they are providing pay back points according to the total points. I can purchase anything through pay back site. Customer service is good, they are friendly and helpful. Its a life time free credit card it has a good lower limit other credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI credit card for last 10 years. I use CORAL credit card. I get good benefits and discounts on the card. The interest rate was average for the credit card. There is no annual fee for this card. I am not satisfied with the credit limit, I would appreciate if they can increase my limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Charges should be waived off"
      0.5 2.0/5 "Expected more"
      ICICI is not upto the mark, they charge more fee on the credit card transaction. They never waive off any penalty and more over they wont respond to the customer's query. Finally I have close the credit card by paying all the outstanding dues.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
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