ICICI Bank Credit Card

Some of the features and benefits of ICICI Bank credit cards are mentioned below:

ICICI Bank HPCL Coral American Express Credit Card

Note: This credit card is not available on Paisabazaar.com. Please visit ICICI Bank’s website to apply.

This ICICI credit card can help the users save big on fuel bills in the form of zero fuel surcharge and cashback. A few key benefits of this credit card are-

• Save 1% fuel surcharge waiver across HPCL pumps on maximum transactional value of Rs. 4,000
• Earn 2 PAYBACK points for every Rs. 100 spent across all categories
• Enjoy 3X accelerated rewards on fuel spends at HPCL pumps
• Get Rs. 100 discount on up to 2 movie tickets per month on bookmyshow
• Save minimum 15% on your restaurant bill as a part of ICICI’s Culinary Treats Program across more than 800 restaurants in India
• Get 2.5% cashback on fuel purchases at HPCL fuel pumps subject to a minimum transaction value of Rs. 500

ICICI Bank Unifare Mumbai Metro Credit Card

Note: This credit card is not available on Paisabazaar.com. Please visit ICICI Bank’s website to apply.

This ICICI Credit Card also works as Mumbai Metro Smart Card. The card comes with a joining fee of Rs. 299 and an annual fee of Rs. 299 is also to be paid from second year onwards. Some of its features are-

• The card will be preloaded with Rs. 100 for first-time use in Mumbai Metro
• Enjoy up to 20% discount on Mumbai Metro fare
• Auto recharge facility is available on this credit card on which the card will be credited with 8 PAYBACK Points
• Get 1% fuel surcharge waived off at HPCL pumps
• Enjoy at least 15% off on your restaurant bill when you dine out at Culinary Treats participating restaurants

ICICI Bank Expressions Credit Card

Note: This credit card is not available on Paisabazaar.com. Please visit ICICI Bank’s website to apply.

ICICI lets its customers create personalized cards with the Expressions Credit Card. With this ICICI Credit Card, you can choose from an extensive gallery of designs to customize your credit card. The card comes at an annual cost of Rs. 499. Some of its features include-

• Earn 3 PAYBACK points for every Rs. 100 spent on retail transactions (except on fuel)
• Get Rs. 100 discount on buying two movie tickets on bookmyshow
• Enjoy 1 complimentary airport lounge visit per quarter
• Save at least 15% on your restaurant bills across participating outlets
• Secured transactions through Chip and PIN facility

ICICI Bank Emeralde Credit Card

Note: This credit card is not available on Paisabazaar.com. Please visit ICICI Bank’s website to apply.

ICICI Bank has launched this super-premium credit card for people with income above Rs. 3 Lakh per month. This card is available at an annual fee of Rs. 12,000 or a monthly membership fee of Rs.1,000. Some of its features are-

• This card is available in Mastercard and American Express variants
• Under the entertainment offer, you can get up to Rs. 750 off on the second movie ticket when you book two tickets on BookMyShow
• Get a complimentary golf round/lesson across some of the best-golfing greens in India and abroad. You must spend Rs. 50,000 in a month to avail this benefit
• Avail the lowest forex markup of 1.5%. Also enjoy zero over-limit fee, cash advance fee and late payment charges
• Select your own membership plan
• Get complimentary access to Dreamfolks DragonPass Lounge Access Programme under which you can access international airport lounges
• Enjoy 50% discount on annual membership fee of Gold Gym across the country

To be eligible for an ICICI Credit Card, following are the criteria-

• The applicant should be above 21 years of age.
• He/she should not be above 65 years of age.
• He/she should either be a Resident Indian or NRI.

The income requirement varies for different cards of ICICI Bank. Apart from the above mentioned criteria, the applicant should also be able to submit valid proof of identity, income and address. Following documents are accepted-

After checking which ICICI credit card is best as per your requirement, you can apply for the credit card on our website. Here, you can easily check the eligibility for different ICICI Bank credit cards, compare their features and benefits with other cards and apply online directly. The application process is very easy and hassle-free. Follow these steps to apply for ICICI Credit Cards-

Step 1- Click here to start your application.
Step 2- Enter the details as asked and proceed to the list of credit cards.
Step 3- Filter the results to find the right ICICI Credit Card and check your eligibility for the same by entering some more information.
Step 4- If you are eligible, you can apply online by filling the detailed application form.

Once you have submitted a complete application form, field personnel of the bank will come to collect the documents at your doorstep. After the bank is satisfied with the details and the documents furnished, the card will be issued.

Alternatively, you can also apply for ICICI Credit Card on ICICI Bank’s website. Just select the credit card, enter your details and submit. Documents will be collected by the bank’s representative at your doorstep. You can also visit the nearest branch of ICICI Bank to directly fill the form, attach the documents and submit.

You can also send SMS to ICICI Bank to show your interest in a particular ICICI credit card and an executive will give you a callback. The table given below shows the codes for some popular credit cards-

If you want to check the progress of your credit card application, you can visit ICICI Application Status Portal and on the top right corner there is an option of ‘Track My Application’. The bank will ask for your basic details like date of birth, mobile number and application number. Once you fill in all the necessary details, the bank will notify you with the actual status of your credit card application.

You may get the following results:

In Process – This means your application is being reviewed by the bank

On hold – Due to any incomplete information, the bank has put your credit card application on hold

Dispatched – This means your credit card is approved and ready. The card will be sent to you via courier at your mentioned address

Rejected – Your credit card has been rejected by the bank due to any insufficient information or not meeting the eligibility prerequisites

No Record Found– This means your credit card application has not been received by the bank.

Every time you use your ICICI credit card, you will earn reward points. These points can be redeemed against a host of gifts and merchandise. ICICI Bank has divided its rewards programme into three parts-

• ICICI Bank Rewards
• Hand-picked Rewards
• Payback Rewards

ICICI Bank Rewards- This is the basic ICICI Credit Card rewards programme. Under this, users can earn rewards almost everywhere whether it is dining out, groceries, online shopping or travel. The points never expire and can be redeemed against a range of gift vouchers. You can only redeem once you have accumulated a certain number of reward points.

Hand-picked Rewards- This programme has been designed to make the credit card experience more enriching for the cardholders and includes rewards from an array of fine, hand-picked brands. Under this, users will earn rewards every time they use the card. There is no limit on a number of rewards you can earn and these points never expire. Redemption options range from fine dining, fashion and fragrance to travel, home, hi-tech gadgets and more. Only selected credit cards are eligible for these rewards.

Payback Rewards- PAYBACK is the largest multi-brand loyalty programme in India. On several ICICI Bank credit cards, you earn a certain number of PAYBACK points which can be redeemed against a host of gifts and merchandise mentioned on the rewards catalogue of PAYBACK. Leading brand stores and online merchants have partnered up with PAYBACK to offer rewards to customers. Only a few credit cards are eligible for this programme.

ICICI Bank gives its customers multiple options to pay their credit card bills. These include-

1- Online Payment

If you wish to pay your ICICI Credit Card bill from your ICICI Bank savings/current account, you can do so directly from the net banking portal. Just go to the ‘Bill Pay’ option and enter your card details and make the payment. The amount will be credited within 2 working days. Visa money transfer can also be used to make payment towards your VISA credit card.

If you want to make payment through any other bank’s account, you can do so by availing the NEFT facility or on Bill Desk. Use Transaction Code 52 and IFS code ICIC0000103 for ICICI Bank as the destination bank.

2- Auto Debit

You can set standing instructions on your ICICI bank account to pay the minimum amount due or the total amount due per month. ICICI Credit Card users can register for auto debit facility by calling ICICI Bank customer care or by logging into internet banking.

3- Pay at ATM

To make the payment, you can visit any ICICI Bank ATM and use your debit card to make payment towards your credit card. The payment will be credited instantly.

4- Call to Pay

You can also call ICICI Bank’s 24-hour customer helpline to make payment towards their credit card. Just follow the IVR instructions and pay the bill. Amount will be credited instantly.

5- Cash Payment

Payment of ICICI Credit Card bills can also be made by submitting cash at any branch of ICICI Bank. Cash payment entails a fee of Rs. 100 per transaction.

6- Pay by Cheque/Draft

Card holders can also draw a cheque/draft favouring their ICICI credit card and drop it at the nearest branch of ICICI Bank. Payment through ICICI Bank cheques will be credited within 3 working days and non-ICICI cheques will be credited within 5 working days.

ICICI Bank Credit Card customers can contact ICICI credit card customer care for any unresolved query through call, email and SMS. Here are the details:

ICICI credit card customer care toll free number: For any queries or grievances related to your ICICI Credit Card, 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 credit card customer care numbers.

ICICI Bank credit card customer care Email ID: ICICI 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 address 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

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.

What happens when my credit card is damaged or lost?
The first thing to do is to let the card issuer i.e. ICICI Bank know of the loss of the card by calling on their customer care number. Once they are informed about the loss of card, the bank will automatically hotlist 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.

Can I keep my credit card if I move to another country?
The credit cards issued by ICICI Bank are global cards only for Resident Indians. 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 give up their Indian citizenship. This procedure is mandatory for Indian citizens who are in the process of becoming citizens of another country.

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

What do I do if my credit card is declined?
This may be possible due to various reasons. ICICI Bank credit card holders are required to call up Customer Care Centre of the ICICI bank in case payment is declined on their credit card.

How do I protect my credit card against fraud or theft?
Following are the best practices to protect your credit card against fraud or theft-

• Immediately sign the ICICI credit card as you receive it.
• Do not leave the receipt behind when using your credit card at an ATM.
• Do not share the credit card statement, receipts or carbons with anyone. Shred them before throwing away.
• Do not fall for fake offers that require you to disclose important details of your credit card.
• Remember to take your credit card back after making any purchases.
• Always keep a list of ICICI Bank credit card customer care number, if in future the card is lost or stolen.
• Always check the monthly statement sent to you to make sure that all the charges shown are correct and no unauthorized amount has been charged to your card.

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 nearest ICICI Bank branch to update his mobile number or email address. If you use the net banking facility of ICICI Bank, you can initiate the update by logging into it.

How is the interest charged on credit cards?
The customer has to pay the interest on the total amount due which is not paid on the due date. The interest is charged on the total outstanding amount and also on the fresh transactions 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 the transaction to the due date.

What happens 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 on an add-on card?
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, or 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.

When will the interest charge stop?
If the entire 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 cardholder selects the part payment facility known as revolving credit. This facility is interest based. The interest accrues on the daily outstanding balance. The fresh purchase attracts interest from the respective transaction date.

How do I pay my credit card bill?
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. ICICI BANK account holders can also opt for auto-debit facility. Account holders can also make their payments through internet banking or through customer care centre.

If the cardholder 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 with this facility.

What happens if my cheque gets delayed in the post beyond the payment due date?
If the bank does not receive 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 the 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}, fill the form and post it to the address as indicated on the form, the bank at its earliest will get back to the customer and confirm the status of the transaction.

What is the process to generate one-time password (OTP) in IVR/mobile transactions on cards?
The customer can generate OTP’s using the three available methods:

• 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.
• He can also log on to the 3D secure section of ICICI bank.
• He can also get Real time OTP generation.