Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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 am using ICICI credit card more than one year, there was no limit enhancement. Anyway its enough for me, I used to get reward points and also the cash back on the spends. The customer support is good in ICICI, they resolving the queries on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding ICICI bank credit card for long time,They have not charged me annual fee in this card, as it is life time free credit card,and i am happy with the credit limit which they have given me in this card,and even they use to give good offers.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been holding ICICI bank credit card for long time,I am not happy with their service,as their service is not up to the mark,and even they have charged me annual fee in this card,but waived off option available in this card ,and i am not happy with the credit limit which they have given me in this card,and even i am not happy with their offers.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      customer service provided is very good and their response is good and I am happy with ICICI bank.I got ICICI bank credit card approx four years and I am satisfied with credit limit and in this card cash back offer available this is life time free card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have this card and their customer service provided is good and response is properly and I am happy with ICICI bank I am using multipurpose last six years. I am satisfied ICICI bank credit card limit this this life time free and cash back offer in this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have ICICI bank credit card and I am using last three month approx this is life time free card and not much cash back offer in this card , I am not satisfied with credit limit but customer service is provided is good and their response is good . ;.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      There is joining fee at the time of getting the card . Customer support is good they resolve all the query all time . I bought the ICICI BANK Card . Their response are very good. The service part is also very welcoming. Their reward points system is also good. Overall I am really happy about the card and the application process.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      There is joining fee at the time of getting the card . Customer support is good they resolve all the query all time . I bought the ICICI BANK Card . Their response are very good. The service part is also very welcoming. Their reward points system is also good. Overall I am really happy about the card and the application process.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI BANK . They offered me ICICI PLATINUM Credit card . They provide me low credit limit and there is no joining fee with this card . I use this card for multipurpose . Only 1 day back i got this card so i cannot comment much on this card .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am not satisfied with ICICI bank credit card so far,They have not increase my credit limit so far,as i have been using this card for more than two years,and they have charged me minimal amount of annual fee,but waived off option is available in this bank.but their service is not up to the mark.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Need an improvement"
      0.5 1.0/5 "Really Bad"
      I have applied my credit card with ICICI then called me and requested for documents. And they asked for salary account, I have informed that I will be getting through cash hence they have cancelled the card. They need to improve the service. Actually I have applied for Platinum card because of good offers and annual charge is low.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am happy with the services of ICICI BANK . They also offered me a fair limit. Their customer support is also good. I make payments online which is convenient for me and never had any issues with their services. I am using this card for past 5 year and they are keep on upgrading my limit .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I am holding the credit card with the ICICI BANK but i am not satisfied with the charges applicable with this card as once i have withdrawn 10K twice with this loan they have charges one thousand rupees with this card. the credit limit is good with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have got the ICICI Bank Credit Card since have Salary account.The Credit limit was good and the credit limit was three times of my salary .The credit card received on time .I have not faced any issues on submitting the documents as well .There was cashback offers and reward points as well .This card is used for travelling purpose it is purely Make my trip card .The Overall Service is Good .
      Was this review helpful? 0
      , greater noida
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and there are good deals on the card. The customer services and response is good and there are no issues with the bank. There is a good credit limit as well. It has been a hassle free experience overall for me.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have directly applied for ICICI bank for the Credit Card.The credit limit is good and i have got the credit limit is upto 50000.The agent clealry explained the process of the Credit Card .I have received the Credit card on time .It is a platinum visa card it is having good cashback offers and the reward points are good .Even getting cashback offers for fuels as well .The Overall Service is Good .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding ICICI bank coral visa card for long time,the reason for choosing this bank credit card is that, i was existing account holder of this bank,so they have offered me for credit card so i have applied,but they have charged me annual fee in this card,but waived off option available i think,i am not happy with their offers it is basic card so they do not give much offers.
      Was this review helpful? 0
      , nellore
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am using the credit card of ICICI BANK where it is a good card added on that the card is user friendly also it is convenient card to access. The credit limit with this card is good as the movie ticket offers also there is a lounge facility offers with this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Should be transparent on the information"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card from three years but there was no enhancement in the limit, they should increase the limit. I have accumulated few points, yet to convert the point into cash back but I am not aware of the options. The customer support is good but they won't disclose all the terms and condition its lacking from their end.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Lot of flexibility"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI BANK CORAL CARD more than 1 month. I am getting more rewards in this card and i am getting some LENS-CART vouchers. Credit limit is not sufficient for me they given only Rs. 70000 need more credit limit. Customer service is really good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 25, 2019
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