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.
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.
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.
|Annual Fee||Rs. 2000 from the second year onwards|
|Interest on extended credit or overdue interest||3.40 % per month or 40.80% per annum.|
|Interest on cash advance||3.40 % per month or 40.80% per annum.|
|Cash advance transaction charge||2.5% of transaction amount, subject to a minimum of Rs. 300.|
|Priority Pass Membership||Free. US$99 otherwise.|
|Cash payment at bank branch||Rs.100|
|Cheque or cash pick up||Rs.100|
|Outstation cheque processing charge||1% of the cheque amount, subject to a minimum Rs. 100,|
|Reward redemption||Rs. 99 + service tax is levied for handling and courier on hand-picked reward redemption requests.|
|Overlimit||2.5% of the overlimit amount, or a minimum of Rs. 500.|
|Dial a loan transaction fee||3% of the amount subject to a minimum of Rs. 300.|
|Cheque return||2% of the total amount payable, subject to a minimum of Rs. 250.|
|Auto-Debit return fee||2% of the total amount payable, subject to a minimum Rs. 250.|
|Fuel surcharge||2.5% of the transaction amount or Rs. 10, in case fuel surcharge waiver is not applicable.|
|Surcharge on railway booking||1.80% of the transaction amount for bookings made online. 2.5% for any other booking.|
|Service tax||Service tax is charged at 14%. Applicable on interest, fees, surcharge and other fees.|
|Total Amount Due||Charges|
|Up to Rs. 99||Nil|
|Rs. 100 - Rs. 500||Rs.100.00|
|Rs. 500 - Rs. 10000||Rs.500.00|
|Rs. 10000 - Rs. 20000||Rs.600.00|
|Above Rs. 20000||Rs.700.00|
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.
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.
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.
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.
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.