ICICI Bank is an international investment and financial services conglomerate with its base in Mumbai, the city that never sleeps, as well as a strong presence in over 19 nations. Holding a proud second position in the Four Major Big Banks in the country if you go by its resources and market capitalization, ICICI provides a plethora of financial products and services for business and individual clients through various distribution channels and specialized affiliates. It has a pan-India network of 4050 area offices in India.
Loan on ICICI Credit Card Eligibility Criteria:
The applicant should have a credit card in his name.
The applicant’s credit history should be in line with the requirements mentioned for any loan on credit card.
Applying for loans on credit card from ICICI bank is quite a hassle-free process. This holds true whether you are an entrepreneur or self-employed (for more than 6 months) or even a salaried employee. The first and foremost thing to do is to fill up your application form, which includes only two pages. The application process for all loans on ICICI credit card is quite simple and can get easily approved. You will have to write down all the details asked about your job or business and once it is done, you can submit your recent bank statements or salary slips along with it.
Features & Benefits of the available ICICI Loans on Credit Card are listed below:
Home Loan: If you apply for home loans on your ICICI credit cards, you can enjoy the benefit of personalized housing loan counselling from an expert before choosing a loan at unbelievably nominal interest rates.
Auto Loan: If you have an ICICI credit card and want to apply for a loan on that card, the process is quick and easy. Not only will you get competitive interest rates with flexible tenure for your new vehicle, but also a large selection of dealers to choose from. You can also avail up to 90 percent of road price of the car you are planning to purchase. An ICICI staff will assist you with all the documentation procedures.
Personal Loan: Being an ICICI credit card holder will make you eligible for a personal loan up to fifteen lakhs with minimal interest. And the best part is that you do not need a guarantor or pledge any security to avail it. Loan usually gets approved in no time.
Mr. Sharma is enjoying free airport lounge access with his Credit Card. What about you? Get A Card
FAQs of loan on icici credit card:
What is the first thing to do after receiving my loan?
You can draw the money from any ATM the instant you get the notification via text message or email from the bank.
What should I do if I lose my card after receiving the loan?
Please alert the concerned customer care department immediately in case of loss of card.
How long will it take my application for loan on credit card to be approved?
It depends on your credit history and eligibility. But it will not take more than a week.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
The response is good from ICICI Bank for the personal loan. They contacted me and informed me the details. I did not go ahead is because the rate of interest is on the higher side. It is of 17.00%. The processing fee is also on the higher side. They are not recommendable.
The services at ICICI Bank is good and the experience is overall nice for the credit card. The card is accepted all over and the transactions are smooth. I am satisfied with the credit limit and it is a free card. There are good deals on the card. There are loan on card offers with zero documentation.
I have applied my car loan with ICICI BANK through online channel. Then I got a call from the representative that time, I have informed them to contact me by next month because have postponed my plans. They told the processing was 7K for the loan amount of 4.2L and felt that was high.
ICICI is a average card to use. I get a loan offers, EMI offers from this card. I don't get any offers from this card. Customer care service is prompt. 5 year ago, i have taken this card. They have enhanced my limit upto Rs. 1.62 lakhs. Overall, its a good card to use.
I am using the card since from last 18 years with ICICI BANK. The card has the offer of loan based on the card, there are cash backs, coupons, movie tickets available. The application is easy also there is a EMI option, balance transfer is available.
Purchased my ICICI credit card just 7 months before. They also giving me a nice offers on online shopping, insta loan services. No issues faced from this bank. They have provided me a credit limit of Rs. 50000. They have sent me a card on time and the documentation process was very good.
I am holding ICIC bank platinum credit card for more than 4 years.It is an annual fee chargeable.The credit limit is sufficient. I have taken a loan in this bank for that they have provided the credit card as a complimentary. I use for shopping, payments and restaurants. Based on the usage I get reward points up to 8500 .I have convert to money and pay for card bill payments.
Was this review helpful?
0
RAMESH GHANSHAMDAS BHAGTANI
, mumbai
Reviewed on Jun 18, 2019
I am using ICICI BANK for past 11 years and the credit limit is only 30K. I took a loan of 1L on the credit card. They are not charging annual fee. I use the card for multi purpose. I am not sure about the benefits. I have received reward points earlier but am not sure.
I received a call from ICICI Bank to offer me a insta loan on my credit card. I was informed that I would get a loan amount of three lakhs on my card. There was no paper work involved. The rate of interest and charges was minimal. I was told that I would get the loan in 24 hours and I got it the same way. This loan did not affect the credit limit on my card.
Was this review helpful?
0
SAGAR GOPISHETTY
, hyderabad
Reviewed on Jun 18, 2019
I have been holding ICICI bank credit card from long time, they have not charged me annual fee in this card as it is life time long time, the credit limit which they have given to me is quite okay, the interest rate they have charged me was high, like i take loan for 5000 they give 4800 only, no happy with their service.
Was this review helpful?
0
NANDA KISHORE
, hyderabad
Reviewed on Jun 16, 2019
I have been taken loan on credit card with ICICI bank a month ago, the loan amount i got up to 2,20,000 which was sufficient for me but rate of interest they charged me was high they have charged me up to 14% plus GST added, Their service is good, Still this loan is running.
My credit card was taken with ICICI BANK . I have salary account with the same bank so it is easy to get card . The best offers they use to give on personal loan . Offers are like good reward points . They offered me good credit limit with this card .
ICICI credit card i have got through my salary account and I'm using the card since last year. Some rewards points i am getting from this card and not at all using the card for most of the transactions. The limit was too low which is Rs. 25000 and they have not increased the limit till now but ready to give the personal loan. Its easy to make the bill payment.
Was this review helpful?
0
RAKESH BABU BASANY
, hyderabad
Reviewed on Jun 09, 2019
I has chosen ICICI bank loan amount is two and five lakhs tenure Five years and Rate interest 11 percentage is very less and process fee 1.5 percentage. amount disbursed earlier. Documents submitted executive and using mobile application its user friendly.
Was this review helpful?
0
VENUGOPAL KODIMERLA
, hyderabad
Reviewed on Jun 03, 2019
I did not get any offers from ICICI but they have given me a good loan services with a prompt response. Its been around 1.7 years I'm using the card but they did not increase the limit so far. The card is not at all useful. For the EMI conversion, they are charging GST charges extra. I am satisfied with this card.
I have been using my personal loan with ICICI bank recently, the rate of interest they have charged was nominal ,and the loan amount which they have given me was sufficient they have given me up to 26,000 , and the processing fee they have charge me was nominal ,it have been just 15 days i have got this loan amount.
Was this review helpful?
0
NAMITA BALKRISHNA PRADHAN
, mumbai
Reviewed on May 31, 2019
Past 3 years I'm using the ICICI card for that based on the card, they have provided me a credit card loan it was helpful for me when I'm in need. I never had any issues with them so far. I spoke with the customer care regarding the EMI conversion and the response was excellent.
Was this review helpful?
0
MULLA MAHABOOB PEERA
, bangalore
Reviewed on May 28, 2019
I took ICICI credit card then I canceled it and again taken it because when I was going for home loan they said there should not be any credit card. Hence I closed at that time and they are good in benefits. There is no yearly fee, ICICI Bank send the statement on time there is no hidden charges.
Was this review helpful?
0
PRADEEP A SOMANNA SOMANNA
, bangalore
Reviewed on May 27, 2019
Past 3 years I'm using the ICICI card for that based on the card, they have provided me a credit card loan it was helpful for me when I'm in need. I never had any issues with them so far. I spoke with the customer care regarding the EMI conversion and the response was excellent.
Was this review helpful?
0
MULLA MAHABOOB PEERA
, bangalore
Reviewed on May 24, 2019
From ICICI I got the coral credit card based on the transaction they gave me the credit card loan. Earlier I got book my show tickets but I didn't get any welcome kit and the bill detail is not clear. Whenever I am spending the money, its reflect along with the loan details. Even the customer support is not prompt.
Was this review helpful?
0
SANTHOSH KUMARREDDY SIMHA
, bangalore
Reviewed on May 20, 2019
Credit Card
