ICICI Bank Business Gold Card

The card’s key features and benefits are listed below:

Business-oriented Offers- It is designed to help the cardholders to find discounts on legal and financial services for its company and also on other expenses related to business. Going for a trip anywhere is easier because there are offers and discounts on stays, travel and dining throughout the world.

Access to SME Empower- This card gives the cardholder the privilege to grow their business through SME Empower. SME Empower is a business-to-business market that offers online support and enhances your business product visibility. This allows the capture of potential business customers.

Fuel Surcharge Waiver- Cardholder gets the benefit of fuel surcharge waiver of 1% of transaction value or a minimum of Rs. 10, whichever is higher provided the card is swiped at petrol pumps. To avail this offer, maximum bill value on fuel must be Rs. 5,000 per month.

Management of Online Expenses- With the help of VISA IntelliLink Spends Management (VISM) one can manage the business expenses in the following ways:

• Category based tracking of expenses
• Interactive self-service reports with the help of sort option, multiple filters and drill-down capability.

In order to ensure better control and avoid overexposure, the above-mentioned ways can help in setting up daily, weekly and annual expenses limits.

Insurance Coverage– In the event of any uncertainty, the card also allows extensive insurance coverage. It offers insurance cover for personal air accidents up to Rs. 10 lakh.

Culinary Treats- ICICI Bank gives its cardholder minimum 15% discount on some of the finest cafes and restaurants, which offers a variety of cuisines. Some of the dining outlets are Café Coffee day, Mainland China and Pizza Hut.

3D Secure, CHIP and PIN technology for Security- ICICI Bank Business Gold Card ensures online payments with the new safe 3D secure service. Transaction made through this card at any merchant outlet is safe with CHIP and PIN technology.

Global Customer Assistance Services (GCAS)- GCAS is a paid service for ICICI Bank Business Card provided by VISA. In case of an emergency or in case of card loss or for the purpose of procuring any information that is miscellaneous, this chargeable service can be used.

ICICI Bank Business Gold Card entails the following charges:

Fee/Charge	Amount/Rate
Joining Fee	Nil
Annual Fee	Nil
Interest on Revolving Credit and Cash Advances	3.40% per month or 40.8% per annum
Foreign Currency Transaction Fee	Mark-up of 3.50%
Cash Advance Fee	2.5% subject to a minimum of Rs. 300
Over-limit Fee	2.50% of the over-limit amount subject to a minimum of Rs. 500
Fee on cash payment at branches	Rs. 100 per transaction
Late Payment Fee	Less than Rs. 100- None From Rs. 100 to Rs. 500- Rs. 100 From Rs. 500 to Rs. 10,000- Rs. 500 From Rs. 10,000 to Rs. 20,000- Rs. 600 More than Rs. 20,000- Rs. 700

Only self-employed and self-employed professionals are eligible for this credit card. Income requirement will be shared by the bank when a candidate shows his interest in applying for the card.

Documents Required

The applicant must submit the application form with the correct set of documents as requested by the bank. Proof of identity, income and address will be required for both business and the individual. ICICI Bank may accept the following documents as proof:

Proof of Identity	PAN Card, Aadhaar Card, Passport, Voter’s ID, Driving License or any other government-approved photo ID proof.
Proof of Address	Passport, Voter’s ID, Aadhaar Card, Driving License or any other government-approved address proof.
Proof of Income	Balance Sheet, Profit and Loss Statement, Bank Statement, Acknowledged ITR, etc.

Interested candidates can apply for ICICI Bank Business Gold Card through the following ways:

• Visit the nearest branch of ICICI Bank for direct application and for all necessary information on the procedure for application of ICICI Bank Business Gold Card
• Apply for the card as soon as possible by sending SMS BCARD to 5676766
• This card can also be applied online via the bank’s website.

What is the helpline number to make any queries related to the card?

You can call the ICICI Customer Care toll-free number at 1800-103-8181. For PAYBACK queries you can call 1860-258-5000 between 10am to 9pm.

What to do if the credit card is lost/stolen/misused?

The lost/stolen/misused of a card must be reported to the ICICI Bank by sending SMS CCBLK <last four digits of the card> to 5676766 from the registered mobile number only. ICICI Bank will then suspend the card.

What is Global Customer Assistance Service (GCAS)?

It is a priority service through which you can get your card insured against loss/theft. You can also procure miscellaneous information on your card, which is otherwise not available.