ICICI virtual credit card (VCC) is a type of digital card that is given out to customers against a physical credit card or to new applicants. VCC is basically an add-on card issued against a primary card. All details such as CVV number, card number, expiry date, etc, will be displayed online on the digital card and there will be no physical version of the same issued to the applicant. This card can be used for all online transactions.
Feature & Benefits of ICICI Virtual Credit Card
Digital credit card
1 reward point for spending Rs.200
Safe and secure
No need to carry a physical credit card
Hassle-free and convenient
This card is valid internationally
Attractive offers and benefits for online shopping
Eligibility of ICICI Virtual Credit Card
ICICI credit card holders with a good track record
Other individuals with a good credit score
Fee & Charges of ICICI Virtual Credit Card
There is no additional fees or charges levied on a virtual credit card
The charges that are applicable to the primary credit card will be same for this type of card
Terms & Conditions of ICICI Virtual Credit Card
This card can only be used for online transactions
The credit card is for personal use only
All transactions are subject to payment of additional taxes
Late payments will attract penalties
FAQs of ICICI Virtual Credit Card
Does CVV number change for each transaction?
No. It will remain the same unless you apply for a new card. This number will only change if the customer applies for a new card.
Will seperate add on virtual cards be issued by ICICI?
Unfortunately, virtual cards will only be issued to primary applicants or cardholders.
Does ICICI Bank levy any charges for issuing a virtual credit card?
No. The service is free.
Can the digital card be blocked online?
Yes. This can be done at any point of time through net banking or by calling the customer care.
How can a customer make payments towards transactions made on the virtual card?
All transactions made using this card is added to the monthly credit card bill statement.
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I have ICICI bank credit card which was offered through Bank .I am using this credit card for the past 6 months and the credit limit was really good and it was sufficient as well .This was a free card and there are good reward points as well as cash back offers .I have got the credit card on time without any delay .
I am using ICICI Bank credit card which i am using for more than 2 years .I have taken this credit card through bank directly.This was a free card and got the details about the card process through the agent.I have got very good credit limit and this card is good to use .I am very much comfortable with the service so far .
Since three years I am holding ICICI credit card, they are providing complimentary services like airport lounge, pay back points and cash back for the transaction. Apart from these benefits I have fuel surcharges from selected petrol bunks. But I am fine with limit they need to increase.
I have been using ICICI Coral credit card and sometimes, I have been receiving offers like buy one plus one for bookmyshow.com. They are charging 22% interest rate for EMI conversion and basically it depends upon the duration. I think, it has annual fee but it will be reimbursed if I use some amount.
I have a credit card from ICICI. They are providing a offers for taking a personal loan with the lower interest rate compared to other banks. I have salary account with ICICI hence its easy to make the payment. They are providing a very good offers also. I am using this card for almost 6 years.
ICICI Card, i don't do much transaction so far i did only one transaction. From ICICI, their service is good and they are sending the offer messages on a regular basis. I have got a good credit limit of Rs. 65000 and they have charged me a annual fee of Rs. 500+ GST. Got this card 6 months back.
I have ICICI Bank credit card which i have got directly through Bank .I am using this credit card for the past 2 months ,The credit limit was very less it was upto 25,000.This was a chargeable card and the agent gave all the relevant details about the card process.I have got the credit card on time as well.
I have ICICI visa platinum coral credit card, its good for the reward points and cash back based on this transactions. I am holding this card for last one year, on 2015 I purchased I phone around Rs.18,000 then I converted the emi for one year, monthly emi was Rs.1500 at the time. I felt monthly interest was higher it should be reduced.
I am using ICICI CORAL credit card and it has buy1 get1 movie ticket offer but I never availed that. They have given a credit limit which was decent. Its been 6 to 7months and they are not charging annual fee. My wife was telling me that they are offering for movie tickets and points for flight booking hence have gone for it.
I have been using ICICI CORAL credit card and got a good credit limit from the bank. There is no offers. They are not charging annually which am happy. I use this card for multi purpose. The payment mode is easier to pay the outstanding balance.
I use ICICI Coral credit card for past 2 years and the annual fee is chargeable of Rs.500 but it will be reversible as per my purchase. I never tried for EMI conversion so no idea about the charges. The credit limit is very low and they have given me only 40K.
I am having an ICICI credit card and they have provided me a credit limit of 50K. I did not find any difficulty in using the card. The customer service was very good. I never done EMI conversion but it has an option for it. Its been more than 5 years. There is no restrictions, I can use this card for shopping, purchasing textiles, restaurants,fuel also.
I hold ICICI credit card and its been a good experience. The credit limit is pretty decent and the services are very good. I have just recently taken through online. The annual fee is not applicable. I have not received any notification regarding the offers. The process was pretty quicker for getting the card when compared with others.
ICICI is a good card to use and it has a lots features like unlimited spa at airport and unlimited airport launch access in domestic and international. On my birthday, they have given the voucher of Rs. 7500 for having my birthday party at Trident hotel and unlimited wifi access in the airport. I got the limit of more than Rs. 8 lakhs.
The credit limit is average on ICICI Bank credit card. Its been almost 5years and have never approached the credit limit enhancement also they haven't done it. The customer service is good. The annual fee is applicable and I have to pay Rs.500. Its just a basic card.
I am using ICICI BANK credit card recently and its good. The credit limit is very very less only and it would be appreciable if they can increase my limit so that I can use this card frequently. The annual fee is not applicable. There is no hidden charges and the payment mode is easier.
I am using ICICI platinum credit card for more than a year which was processed through a bank directly. It is a life time free credit card. The credit limit is sufficient before, easy to do pay for an online usage and EMI option was applicable. I use for shopping, movie purposes. In this card there is no much offers.
I am holding ICICI bank coral credit card for more than 2 years where they given for a low limit of 35 thousands till not enhanced for further. It is a life time free credit card. EMI option was applicable and charges are nominal. I use for fuel and shopping purpose.
ICICI bank credit card is linked with my salary account hence they have provided me a zero annual fee credit card. I am getting the benefits of ticket booking, cashbacks and others. They have a rewards points system of paybcks which i can convert into cash.
ICICI Bank customer service is available on 24/7 days, I am using this ICICI bank credit card from past three years, EMI option are available its an life time free credit card, credit limit is good, cash back offer and movie ticket offers are good.