Credit Card

ICICI Bank offers a range of specialized credit cards which offer a host of benefits like travel benefits, cash rewards, discounts on dining, movies, shopping, etc.

 

Card Name Fees and charges Features Suitable for
ICICI bank Coral Joining Fee: Rs. 1,000
Annual Fee: Rs. 500
 2X Reward points on dining, groceries and supermarkets. Complimentary airport lounge visits and movie tickets. Everyone who wishes to redeem points and have the advantage of revolving credit.
ICICI bank Sapphiro Joining Fee: Rs. 6,000
Annual Fee: Rs. 3,500
Offers a variety of gift vouchers across leading lifestyle brands and electronic stores.  Can convert your reward points to air miles The ones who are seeking to earn from their luxury spends.
ICICI Rubyx Visa Joining Fee: Rs. 3,000
Annual Fee: Rs. 2000
Different reward plans  for  you to hand pick your likely spend categories and  earn reward points High net worth individuals who wish to avail a card that complements their lifestyle.
HPCL Coral American Express Joining Fee: Rs. 199
Annual Fee: Nil
Keeps your fuel costs under check with cash back offer and zero surcharges. Individuals who spend substantially on Fuel
Jet Airways ICICI sapphiro Joining Fee: Rs. 5,000
Annual Fee: Rs. 5,000
Earn JP miles on spends  and complimentary  access to airport lounges and golf course, movie tickets etc. For frequent flyers who wish to live it up in style
ICICI Platinum Chip  Joining Fee: Rs. 199
Annual Fee: Rs. 99
Protects against risk of fraud with security chip.
PAYBACK reward points and  dining discounts at over 800 restaurants
Those seeking an easy to manage and secure credit card with decent benefits
Unifare Metro card (Delhi/Mumbai) Joining Fee: Rs. 299
Annual Fee: Rs. 299
Auto top-up facility for transit chip balance. 10% discount on metro fares.  People who frequently use metro and want to get rewarded for their daily spends.

Types of Credit Cards

  • The Gemstone Collection – this collection includes 5 types of credit cards from icici bank which are: ICICI Credit Card Rewards Program
  • ICICI Bank Coral Credit Card – the card gives twice the cash rewards on dinning, groceries and supermarkets, complimentary Provogue tie on joining, 2 complimentary domestic airport lounge access every quarter, 2 complimentary movie tickets every month and 15% savings on dining bills across 800 partner restaurants.
  • ICICI Bank Coral American Express Credit Card – a transparent card which offers ‘Extended Credit Period’ under which interest is not charged on transactions till the 3rd card statement if at least the minimum amount due is paid on the 1st and 2nd statement and total amount due as per 3rd statement is paid by the due dates. Other offers are similar to the Coral Credit Card like complimentary tie, airport lounge access, etc.
  • ICICI Bank Rubyx Credit Cards – a card with differentiated reward program for 3 subcategories of Shopping, Travel and Essentials with the customer earning twice the reward points on the chosen category, complimentary round of golf every month at the chosen golf course, buy one get one movie tickets, complimentary airport lounge access courtesy of Master Card and American Express, 15% savings on dining bills across 800 partner restaurants and complimentary set of Sennhieiser HD221 headphones on joining
  • ICICI Bank Sapphiro Credit Cards – it promises 2 cards under one account and other benefits like complimentary Bose Sound-Tune headphones on joining, membership to Priority Pass lounge membership program, unlimited  airport lounge access courtesy of Master Card and American Express, 15% savings on dining bills across 800 partner restaurants and complimentary round of golf every month at the chosen golf course
  • ICICI Bank Diamant Credit Cards – a ‘By Invitation Only’ card with premium lifestyle benefits like preferential rates on more than 50 exotic islands across the world, complimentary yacht charter and services, preferential rates on private jet charters, luxury stay at premium hotels, airport lounge access, complimentary movie tickets and private screenings, golf and other lifestyle privileges.

 

  • ICICI Bank Coral Contactless Credit Card – a built-in Master Card contactless technology to ensure quick and secure payments at retail outlets and offers like twice the cash rewards on dinning, groceries and supermarkets, complimentary Provogue tie on joining, 2 complimentary domestic airport lounge access every quarter, 2 complimentary movie tickets every month and 15% savings on dining bills across 800 partner restaurants.

 

Fuel Cards –cards from icici bank designed to save money on fuel related transactions. There are three types of fuel cards which are:
 

  • ICICI Bank HPCL Coral American Express Credit Card – a card which gives reward points on fuel purchases which can be redeemed at HPCL outlets. Other benefits include 6 PAYBACK points on every Rs.100 spent at HPCL outlets redeemable for fuel, 2.5% cash back and 2.5% fuel surcharge savings on fuel purchases, Rs.100 discount on 2 movie tickets every month and 15% savings on dining bills across 800 partner restaurants.
     
  • ICICI Bank HPCL Coral Visa/Master Card Credit Card – another credit card from icici bank to cut down on fuel costs with benefits like 5 PAYBACK points on every Rs.100 spent at HPCL outlets redeemable for fuel, 2.5% cash back and 2.5% fuel surcharge savings on fuel purchases, Rs.100 discount on 2 movie tickets every month and 15% savings on dining bills across 800 partner restaurants.
  • ICICI Bank HPCL Platinum Credit Card – the card offers up to 2.5% cash back on fuel purchases from HPCL outlets, fuel surcharge waiver up to a maximum of Rs.4000, 5 PAYBACK points for fuel purchases at HPCL outlets and 2 PAYBACK points on other spends and the points accumulated are redeemable for free fuel at HPCL outlets and the bank also promises to pay back the annual fee if there has been a total spending of Rs.50, 000 on the card in a year.

 

  • Airline – credit cards from the bank designed to offer travel related benefits when flying. There are 4 types of cards under this category which are:
  • Jet Airways ICICI Bank Coral Credit Cards – a card with joining fee waived for Platinum Tier Members, 2500 bonus JP Miles as Welcome Benefit, 1250 bonus JP Miles on renewal every year, buy one get one movie tickets through the week and minimum 15% savings on dining bills across 800 partner restaurants. The JP Miles can be redeemed against flight ticket bookings and travel class upgrades
  • Jet Airways ICICI Bank Rubyx Credit Cards – a card for frequent flyers with a combination of lifestyle and travel related benefits. The benefits include 50% 5000 bonus JP Miles and a complimentary Jet Airways ticket as Welcome Benefit, 2500 bonus JP Miles and a complimentary Jet Airways ticket on renewal every year, 5 JP Miles on every Rs.100 spent on the card, buy one get one movie tickets through the week and minimum 15% savings on dining bills across 800 partner restaurants. The JP Miles can be redeemed against flight ticket bookings and travel class upgrades.
  • Jet Airways ICICI Bank Sapphiro Credit Cards – a card with attractive benefits like 10,000 bonus JP Miles and a complimentary Jet Airways ticket as Welcome Benefit, 5000 bonus JP Miles and a complimentary Jet Airways ticket on renewal every year, up to 7 JP Miles on every Rs.100 spent on the card, complimentary lounge access, golf rounds, movie tickets and discounts on dining. The JP Miles can be redeemed against flight ticket bookings.
  • British Airways Premium Credit Card Account – a credit card from ICICI Bank which enables the customer to earn British Airways frequent flyer miles. The other benefits include 8000 bonus Avios miles using the card for the first time and 9 Avios per Rs.100 spent on the card. The accumulated Avios can be redeemed against free flights and upgrades with British Airways.

 

Unifare Metro Credit Cards – credit cards which combine the Metro smart card of specific cities. There are 3 cards under this category:
 

  • ICICI Bank Unifare Mumbai metro Credit Card – a Mumbai city Metro smart card and credit card combined together. The card offers auto recharge facility to recharge the metro card automatically, 20% discount on travel fare at Mumbai Metro, 8 PAYBACK points on every Auto recharge transaction redeemable against metro travel, 2.5% fuel surcharge waiver across HPCL outlets, 15% savings on dining bills across 800 partner restaurants and platinum benefits from Master Card
     
  • ICICI Bank UnifareDelhi metro Credit Card – a Delhi Metro card and Credit Card combined in one. The benefits include auto top-up facility for automatically recharging the metro card balance, 10% discount on travel fare, 8 PAYBACK points on every Auto recharge transaction redeemable against metro travel,2.5% fuel surcharge waiver across HPCL outlets, 15% savings on dining bills across 800 partner restaurants and platinum benefits from Master Card
     
  • ICICI Bank Unifare Bangalore metro Credit Card –a Namma Metro smart card and credit card in one card. The benefits include auto recharge facility for automatically recharging the metro card chip balance, 15% discount on travel fare, 8 PAYBACK points on every Auto recharge transaction redeemable against metro travel, 2.5% fuel surcharge waiver across HPCL outlets, 15% savings on dining bills across 800 partner restaurants and platinum benefits from Master Card

Other Cards which include:

  • ICICI Bank Platinum Credit Card – an easy-to-manage card with benefits like security against card frauds through a chip card, PAYBACK Rewards point redeemable against gifts and vouchers, fuel surcharge waiver and , 15% savings on dining bills across 800 partner restaurants
     
  • ICICI Bank Instant Platinum Credit Card – the card is available instantly and free of cost. The benefits promised under the card includes reward points on every spend which can  be redeemed for cash, Rs.100 discount on up to 2 movie tickets every month, , 15% savings on dining bills across 800 partner restaurants and the card is available at a low rate of interest.
     
  • ICICI Bank Coral Credit Card against Fixed Deposits –a ICICI bank coral credit card against Fixed Deposits which can be availed without any income documents. The benefits promised include cash rewards on dinning, groceries and supermarkets, buy one get one movie ticket throughout the week, 15% savings on dining bills across 800 partner restaurants and complimentary airport lounge access courtesy of Visa. Moreover, there is a 50% discount on joining fee when the card is availed through the branch.
     
  • ICICI Bank Titanium Credit Card – the ICICI Bank Titanium Credit Card offers fuel surcharge waiver at HPCL Petrol Pumps, PAYBACK points and Platinum benefits from its affiliate partner, VISA.

Applying for a ICICI CREDIT CARDS

In keeping with the rising trend of online transactions, the bank offers Credit Card application online through its website. The process is simple:
 

Visit the website Paisabazar.com for applying for the card.
 

After filling up the basic details, the customer is asked to choose the relevant credit cards offered by ICICI. After choosing the credit card offerings from icici bank, the documents are required to be uploaded and the application process is complete.
 

The customer can also visit the branch to apply for a credit cards offered by ICICI BANK.
 

  • Credit card statement-The credit card user receives a statement that lists the transactions made using the credit card during a specified period. This document is sent out each month after completion of the billing period. The amount required to be paid to clear the current dues is mentioned on the statement.
     
  • Online Payment- ICICI Bank allows credit card holders to pay off their credit card dues from the convenience of their home or office by using its online banking system.
     
  • Customer Care- ICICI Bank is well known for its amazing customer service with card holders having the option to contact the bank either through email, message, phone or in person and the bank will reply back within 10 working days.   

FAQS OF ICICI BANK CREDIT CARDS

I have applied for a credit card. When will I get it?
 

Issuing of a new credit card will take up to 21 working days.
 

Q- What happens when my credit card is damaged or lost?
 

Ans. - The first thing to do is to let the card issuer i.e. ICICI Bank know of the loss of the card through their customer care centre phone number. Once they are informed about the loss of card, they card issuing bank will automatically hot list the card and block it before initiating the process of issuing a new credit card. This same action can be performed through SMS as well if you are using your mobile phone which is registered with ICICI Bank.     
 

Q. Can I keep my credit card if I move to another country?

Ans. - The credit cards issued by ICICI Bank are global cards only for Indian residents.  Thus, as per RBI guidelines, the customer needs to clear all outstanding dues on the card and surrender it to the card issuer before they leave the country. This procedure is mandatory for Indian citizens who are in the process of migrating to another country.
 

Q. Can I make purchases online using my ICICI Bank Credit Card?

Ans. Yes. You ICICI Bank credit card is enabled with the online purchase option and you can use it to make purchases on the website of all domestic online retailers as well as a few international retailers located outside of India.     

What do I do if my credit card is declined?

The icici credit card holders are required to call up Customer Care Centre of the ICICI bank.
 

How do I protect my credit card against fraud or theft?
 

  1. The customer should immediately sign the ICICI credit card as he receives it.
  2. When the customer uses the card at ATM, he should enter the PIN in such a manner that no other person can memories the keystrokes.
  3. The customer should never leave the receipt behind at the ATM .the PIN number and the ACCOUNT number on the discarded receipt can make it easy for a credit card fraud. Also the credit card statement, receipts or carbons should not be thrown without being shredded.
  4. The credit card number should not be disclosed over the phone unless the customer himself has initiated the call.
  5. The customer should also give the card number to a legitimate merchant over a cordless phone  . It is a very common mode of scam when the merchant calls back immediately and tells that there was the problem with the card number, and ask to give it again. The safest way is to ask the merchant to read out the number he has noted, and should change only the incorrect numbers.
  6. The customer should reject all the credit cards offers that require him to spend money for issuance of a new card or the identity of the card issuer is in suspense.
  7. The customer should remember to take his /her card back after making any purchases. Also he should make sure that he personally tears the cancelled charge slips.
  8. The customer should always keep a list of credit card number, credit cards and their toll free numbers in record, if in future the card is lost or stolen.
  9. The customer should always check the monthly statement sent to him to make sure that all the charges shown are his own, and the bank has not charged him in an unauthorized manner.

How do I use my credit card?

The customer should check out the Usage Guidelines for credit cards on the website.
 

Query on cash limit reduction?
 

As per the standard banking practice a customer should keep an eye on the cash withdrawal policies on the credit cards regularly. According to the recent review ICICI bank has reduced the cash limit for all the customers. But the overall credit limit remains unchanged.
 

How do I update my mobile number or email address?
 

The customer can do so through branch banking i.e. the customer needs to visit the branch banking to update his mobile number or email address.
 

Want to know why interest charges are levied?
 

The customer has to pay the interest charged on the total amount due which is not paid on the due date. The interest is charged on the total amount due and also on the fresh transaction made till date as the previous outstanding amount is required to be paid in full. The interest is also levied on the cash advances from the date of transaction to the due date.
 

Queries related to insurance policy?
 

For queries regarding insurance policy the customer should login to website Paisabazar.com.
 

Query on stop bill payment?
 

The customer should call at the customer care centre to process his request.
 

What if I cross my credit limit?
 

If the customer makes the transaction that exceeds the available credit limit, it totally depends upon the ICICI bank whether to approve the transaction or not. If the transaction is approved and over limit charge of 2.5% of the amount which exceeds the credit limit is taken.
 

What is a temporary credit-limit enhancement?
 

If at a point the customer feels the need for increasing his credit limit to enable himself to make increased purchases, he can avail of temporary credit limit enhancement, he is required to call the customer care centre of the bank and make his request. ICICI bank may or may not increase the credit limit. This facility is only available after the nine months of membership and the credit history of the customer.
 

What is a self-set limit?
 

The customer can pre-set the monthly spending limit on his add-on credit card. Any transactions over and above the set limit are declined.
 

What is the revolving credit facility?
 

When the customer receives his monthly bill statement he has the flexibility of payment options: he can either pay the total amount due, of pay only the minimum amount due or he can also pay any amount between the minimum amount due to the total amount due. So if he opts for either of the last two options, then the unpaid amount due is carried forward to the next billing cycle. This is known as the revolving credit facility.
 

When do I start paying interest on new purchases if I am already revolving credit?
 

If the customer is on revolving credit, then the fresh purchases would attract interest from the date of purchase made.

Are there any interest charges?

  1. If the customer makes the payment for the total amount due before the payment due date, no interest is charged on him. Therefore he enjoys an interest free credit from the date of purchase to the payment due date which may range from 18 to 48 days.
  2. Interest is charged if the customer does not pay back the total amount due within the due date. Interest is charged on the total amount due and also on the new transaction made till the time the total outstanding amount is paid in full. Interest is also charged on the cash advances taken from the date of transaction till the date of settlement.
  3. The minimum amount due is 5% of the total outstanding amount or as decided by the ICICI BANK.
  4. The installment amount due is also added to the minimum amount due.
  5. If there is some unpaid minimum amount due of the previous period it will also be added to the minimum amount due of the current statement.
  6. If the total outstanding is more than the available credit or cash limit than the exceeded amount will also be included in the minimum amount due.

     

When will the interest charge stop?

If all the outstanding amount is paid by the customer on time the interest charges will immediately stop.
 

How are interest rates calculated on an ICICI BANK credit card?
 

Interest charges are only levied if the card holder selects the part payment facility known as revolving facility. This facility is interest based. The interest accrues on the daily outstanding balance. The fresh purchase is charged interest from the respective transaction date.
 

How do I read my monthly credit card statement?
 

The customer has to check out for all the tips which are readily available to understand the monthly credit card statement on the website.
 

How do I pay my credit card bill?
 

  1. The customer can drop the payment cheques in the : drop box facility available at the ICICI BANK branches and ATM. Cash payments can be made at the ICICI BANK branches during the working hours.
     
  2. ICICI BANK account holders can also opt for auto-debit facility.
     
  3. Account holders can also make their payments through internet banking or through customer care centre.
     
  4. If the card holder is not an account holder of the ICICI BANK he can still pay from his existing account via pay options through internet banking.

What is the auto-debit facility?
 

The account holder gives the standing instructions to the bank to auto-debit ICICI bank accounts to pay his credit card bills directly through his account every month. The customer is required to give in writing to the bank to provide him this facility.
 

What happens if my cheque gets delayed in the post beyond the payment due date?
 

If the bank does not receives the payment on time the bank will charge a late fine and also the interest on the outstanding amount for the number of days the payment was delayed.
 

What happens if I pay more than the Total Amount Due?
 

The excess amount paid is reflected in the monthly statement of the customer and is adjusted against the future purchases made by him.
 

What is credit period?
 

The credit period for all the cards is maximum up to 48 days whereas payment due date stands at 18 days from the statement date.
 

What happens in the case of a disputed card transaction?
 

In case of any dispute the customer is required to download the Card Member Dispute Form {CDF} , and fills the form and post it to the address as indicated on the form, the bank will at its earliest will get back to the customer and will confirm the status of the transaction.
 

What is the process to generate one time password {OTP} in IVR/mobile transactions on cards /Register for Verified by Visa/Master card Securecode?
 

The customer can generate OTP’s using the three available method:
 

  1. Through SMS i.e by sending a SMS IOTP last four digit of the card to 5676766 from the registered mobile number and he will receive the IOTP on the registered number.
     
  2. He can also log on to the 3D secure section of ICICI bank.
     
  3. He can also get Real time OTP generation.

ICICI Bank Credit Card Customer Care

ICICI Bank Credit Card customers can contact ICICI bank credit card customer card for any unresolved query through call, email and SMS.

Here are the details:

ICICI Bank credit card customer care toll free number: For any queries or grievances, you can call on toll free number 1800 200 3344 between 9 p.m. to 6 p.m. from Monday to Friday. For 24*7 help, customers can contact on state wise ICICI Bank credit card customer care numbers given on the link below:

ICICI Bank credit card customer care Email ID: ICICI Bank credit card holders can submit their grievances by filling up the complaint form by mentioning their registered email ID.

ICICI Bank credit card customer care contact for communications through mails and couriers:

ICICI Bank Limited
ICICI Phone Banking Center, ICICI Bank Tower, 7th floor,
Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally,
Hyderabad – 500032

For more info, visit the given link:

ICICI Bank Credit Card
(4.4/5 ) 10 Reviews
Credit CardCredit Card
4/5

Satisfactory services

I applied for ICICI Bank Sapphiro Visa Credit Card and my annual fees got waived off because I have I salary account in ICICI bank. I received my credit card at my doorstep within just one week. I really love the services offered by ICICI. My credit ..Read more...

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Posted on: Aug 24 , 2017
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4/5

Good Services

I have ICICI coral credit card, I needed loan against credit card because I was facing some financial urgency. ICICI gave me this loan at a decent interest rate. I'm very happy with the services and offers which I get on my credit card.

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Posted on: Aug 24 , 2017
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5/5

Good

I have applied for an ICICI credit card which has various travel offers including complimentary flight ticket as a joining gift. I am eagerly waiting to receive my card and start using the benefits associated with it.

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Posted on: Jan 17 , 2017
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