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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
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using ICICI bank credit card, it is basic card, there is not much offers available in this card, i got this credit card through bank itself as i have my salary account so they have given me credit card from this bank and they have not charged me annual fee in this card, and i am happy with my credit limit which they have given me in this card.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 07, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding ICICI bank credit card for a while, they have charged me annual fee or not i have no idea, i think they have not charged me annual fee, and there credit limit they have given in this card was sufficient , i am happy with my credit limit and they provide good offers in this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • ICICI Bank Credit Card
      "Good credit card"
      0.5 4.5/5 "Excellent!"
      My credit card is good, through online I have approached and the credit limit is good around Rs. 60,000 its low, they enhanced the limit, I have spoke with the customer support they done the process on time, Even the card which I am holding its life time free card.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 07, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding ICICI bank credit card for long time, they have charged me annual fee in this card, but there is waived off option is available in this card, like if i spend certain amount then my annual fee will get waived off and i am happy with my credit limit they have given in this card.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Dec 07, 2018
    • ICICI Bank Credit Card
      "Offers should be enhanced"
      0.5 4.0/5 "Great!"
      Since 7 to 8 years, I am holding ICICI, initially they used to give buy one and get one its not available right now only for the for higher credit limit its available. I am holding platinum card, the customer support team is good, interest rate is similar.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • ICICI Bank Credit Card
      "Very Useful card"
      0.5 4.5/5 "Excellent!"
      I had been started using the ICICI bank credit card for more than 3 years. They have provided me a credit limit of Rs. 50000 which is not enough for me. They are giving me a different offers on regular basis however i have not availed any kind of offers so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this car for the last two and a half years, the services which they had been providing so far has been good. The credit limit with the card only has been around 30,000 which was less but the internet banking system with them has been good and it has been a life time free card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The services which they had been providing so far had been excellent and i am satisfied with the credit limit which they had given with this card. There has been some good offers with this card like discounts, cash backs and other offers. There is an annual fee with this card but it will get waved off as per the usage which i make.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using Icici credit card for last 3years where i used to get cash back offers in shopping . There customer service and response is good . Am satisfied with the credit limit which they have provided.There are annual charges for the card of r 500 . There are no additional charge for the transaction which I make payments through on-line banking.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 07, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been Icici credit card for last more than 2 years . Am really satisfied with their customer service and response . They really card for the customer , if i call them they really get back regarding followup's . I used get offers in book my show , mile offers . Overall am satisfied with the service.
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 07, 2018
    • ICICI Bank Credit Card
      "Smooth process"
      0.5 5.0/5 "Blown Away!"
      My credit card is with ICICI Bank and there are no hassles in the process. There are good offers and benefits on the card. The statements are also clear and timely sent. The credit limit is fine and when ever I use the card it has been a smooth process.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Dec 07, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK where the card is user friendly to access added on that it is the good card to use. The best feature of this card is that the EMI option is good and simple to do payment. The credit limit is very good with this card.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 07, 2018
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI bank credit card from last 2 years, the credit card services are good when compared to other cards and there was no annual fee charged for this credit card. Offers are good in this credit card and i am happy with the credit limit.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 06, 2018
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI bank credit card from last 3-4 months, the credit limit is less when compared to other cards. Offers like payback points are good in this credit card and the value is also good. There was no annual fee charged for Platinum credit card.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 06, 2018
    • ICICI Bank Credit Card
      "Very good card"
      0.5 4.5/5 "Excellent!"
      I have a credit card with ICICI bank from last 10 months, there was no annual fee charged for this credit card. I get good offers like payback points on this credit card. I am happy with the credit limit provided by ICICI bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 06, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      MY credit card was taken with ICICI BANK , i am holding this card for past 6 year . The experience is good. SO far it has been a good experience with the card and their services. The customer support and their follow up is good and service provided them was great .
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 06, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am using this card for the last two years and the services which they had been providing so far has been good. The credit limit with the card was good and there has been some annual charges with this card which was nominal. I had been using this card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 06, 2018
    • ICICI Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      MY credit card was taken with ICICI BANK , i ma not happy with the services which has been provided through this card because i am getting payment issue there portal always have some error i have to go to browser . They offered 30000 of credit limit but i was expecting more here .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 06, 2018
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this Credit card for the last one month and the services which they had provided so far had been excellent. They had given me with a good credit limit with this card and it has been a life time free card as well. I have not yet explored with the benefits with this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 06, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Its been few days i got my icici credit card . The customer service and response is good . Am satisfied with credit limit which they have applied There is annual charges for the card of Rs500.There is no additional charges for the transaction which i make. This card hold benefits of movie offers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 06, 2018
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