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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
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the ICICI bank platinum chip visa credit card for fuel purposes, I pay the bills and the purchases with this card. I am satisfied with the credit limit with ICICI bank Platinum chip credit card. The customer support is good with the ICICI bank credit card department,
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 23, 2017
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with ICICI Bank. I am holding Platinum credit card for 6 months. The card is mostly used for online shopping and purchasing. They charge annual fee on this card. I make the payment through online banking. No idea about the interest rate.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 23, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I am having the ICICI bank credit card and the customer service is good one for me. I would like to say that everything is good one with the ICICI bank credit card and I have not faced any issues with them. Service aspects are really better one.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 23, 2017
    • ICICI Bank Credit Card
      "Easy option"
      0.5 5.0/5 "Blown Away!"
      Recently I applied for ICICI credit card, they just approved my credit card within a day. There will be some joining fee around Rs. 200 it can waive for some offer. But I didn't get the credit card yet, they told I will receive the credit card within one week of time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 23, 2017
    • ICICI Bank Credit Card
      "Need to improve customer service"
      0.5 3.0/5 "Satisfactory"
      I have taken a credit card with ICICI bank.The limit on the card is 50,000 I should pay an annual fees card, it gets waived off if i show a spend of 30,000 within a year.The card type is Ferrari card,i got Ferrari coupons as complimentary service.The customer service did not respond on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      The services on the credit card is also good at ICICI Bank. There are much of offers and there are no hassles while using it. I am happy with the overall experience. The credit limit is also satisfactory and there are no hidden charges on this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been banking with ICICI bank for last two years.The limit on the card is 83,000 am happy with the limit given to me but expected more. I have not used any offers so far.I get my card statement through online as soft copy as its very secured to open.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Its Fine"
      0.5 5.0/5 "Blown Away!"
      ICICI service is not good, when I reach their customer care to get user id and password to log netbanking. I could not reach them, IVR helpline should be improved. Credit card has also nominal offers but still I am holding ICICI credit card its fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Need better offers"
      0.5 2.5/5 "Just OK"
      ICICI credit limit is good but I didn't get any value offers from them. I am using ICICI credit card for past three years. Interest wise is common as other bank, I would like to suggest their offers part should be improved, and they should get tie up with online merchandise they give good cash back offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I got the ICICI bank platinum chip credit card around 2 months ago. The customer support is good with the ICICI bank credit card department. I don't use this card much but my brother use this card . I am not satisfied with the credit limit , still they need to increase the credit limit in future.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Not got the promised offer"
      0.5 2.0/5 "Expected more"
      The main reason I took the credit card from ICICI Bank because I prefer the movie ticket offer. There was a offer one plus one. After taking the card, I have never been able to utilize the offer as it is not available. I am not happy as I did not get the promised deals.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank 1 year back .The credit limit was 60,000 and I hold platinum visa International card. I am getting rewards points here . The interest rate and charges are average. The customer service and responses was satisfactory . My overall experience was very good and Its recommendable.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Very good services & benefits"
      0.5 5.0/5 "Blown Away!"
      I am getting a proper service for the credit card from ICICI Bank. There is a cash back offer of 5% on movie tickets and the credit limit is good overall. The card can be accessed at all out lets and online as well. The customer services are good overall.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "IVR should be improved"
      0.5 3.0/5 "Satisfactory"
      I am not using ICICI credit card frequently because I cant use the card for the online shopping. Because my contact number was not updated. They don't have option to update the contact information through netbanking. I should visit the bank only. Even their phone banking is not upto the mark, IVR number is not reachable.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Good limit with them"
      0.5 5.0/5 "Blown Away!"
      I recently got a Credit Card from ICICI and the experience with them has been good. The process for applying the card was very simple and it didn't involve huge documentation. Apart from this the Credit Limit offered to me also is pretty good of Rs.1 Lakh.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Very good services & benefits"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is overall good and there are no hassles in banking with them. I hold a credit card and the card is a life time free card. The credit limit is good and it is worth holding this card because I get back a lot of rewards for the amount I spend on.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      ICICI credit card service was not good as I expected from ICICI the customer service was fine the credit limit they offered me was fine and the customer service was good the interest and charges was also good with icici it was a average service from icici for my savings account service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 22, 2017
    • ICICI Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank credit card can be accessed any where and there are no hidden charges. It has been a good experience and there is no inconvenience faced till date. The credit limit is good and the bank updates me with the necessary details as and when in need.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 21, 2017
    • ICICI Bank Credit Card
      "Platinum credit card"
      0.5 4.0/5 "Great!"
      I am holding a platinum credit card with ICICI bank. I used to get reward points.I have redeemed my points to buy products from the ICICI website. The customer service and response with the bank is good. the annual charge is 500 rupees.The application is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 21, 2017
    • ICICI Bank Credit Card
      "Very good services & offers"
      0.5 5.0/5 "Blown Away!"
      I am getting pretty good offers on the credit card of ICICI Bank. I get the movie tickets and rewards. There is a annual fee for the card and the bank is excellent in the customer services as well. I can connect with them easily and the credit limit is also good.
      Was this review helpful? 0
      , panchkula
      Reviewed on Nov 21, 2017
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