9999 6636 04
LoanUncle services are free for all our customers

ICICI Bank Credit Card Review

If you are still confused about which credit card to choose and wanted to read ICICI Bank Credit Card review, then you are at the right place. ICICI Bank Credit Card. As the name suggest. A credit card given by one of the most trusted brand. I have summed up my personal views and information gathered from different places below on ICICI Bank credit cards

ICICI Bank Credit Card Review Benfits Features
If you want instant Approval, you should apply online

ICICI Bank Credit Card Review

ICICI bank credit cards are generally known for its Payback reward system and its reach to masses. They give good amount of rewards as compared to other credit cards of this range. I generally suggest ICICI Credit cards because of its flexibility of credit limits.

The best part about ICICI is that once you start paying the ICICI credit card bill, you can ask the bank to increase the limit. And they do increase credit limits in a few minutes on request. Also they allow icici credit card holder to spend above the limit if you pay credit card bills timely. This is a unique feature that no other bank has.

I love this uniqueness of ICICI. And not to quote publically but I have personally used this feature a lot of times! 🙂

ICICI Bank Credit Card Features

So, Lets magnify what features ICICI Bank Credit Card actually offers:

  • Reward Rate: 0.50% as Payback Points
  • Fuel Surcharge Waiver: 2.5% fuel surcharge waiver can be availed on fuel transactions of maximum ₹ 4,000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines.
  • Renewal Fee Waiver: Spend ₹ 50,000 or more annually, for renewal fees to be waived off.
  • Complementary Airport lounge access: No.
  • Foreign Exchange Markup fee: 3.5% + Service Tax

ICICI Bank Credit Card Eligibility

Age: Your age must be minimum 23 years and not to above 58 years.
For Salaried: Monthly net salary should be 25K.
For Self Employed: Last ITR income should be min 4 Lac.
CIBIL: You must have existing Credit Card or Loan history (Minimum 180 days old)
Profession: You should have been working professional or self-employed.
Residence: You must be a permanent resident of India.


ICICI Bank Credit Cards – Pros & Cons

So, lets summarise the pros and cons of ICICI Bank Credit Card

ICICI Bank Credit Card PROS

  • Best For Beginners
  • Zero Annual Fee*
  • Fuel Benefits
  • Dinning Discounts

ICICI Bank Credit Card CONS

  • Fuel Benefit Is Only On HPCL
  • Quite High ROI (Monthly 3.40%)


ICICI Bank Credit Cards – Final Words

If you want to try a credit card and don’t want to spend much on it and pay low or nill annual fees. I would recommend you this icici credit card.

Moreover, you can also apply for SBI Prime Credit Card. It is also one of the most Popular credit card of SBI. And feature of SBI Prime is quite similar to ICICI Credit Cards.



ICICI Bank Credit Card
If you want instant Approval, you should apply online


If you have applied for ICICI Credit Card, you can check ICICI Bank credit card status here.


ICICI Bank Credit Card Review – Detailed Information

Details features of ICICI Bank credit cards as fetched from different sources (including icici bank website) is as below:

Enjoy waiver of 2.5% fuel surcharge on fuel purchases at HPCL petrol pumps. 2.5% fuel surcharge waiver on fuel purchases at HPCL petrol pumps is available when the card is swiped on the ICICI Merchant Services swipe machines. Transactions above ₹ 4,000 will not be eligible to a fuel surcharge waiver.

Earn 2 PAYBACK points on every ₹ 100 spent except on fuel purchases. Redeem your PAYBACK points for attractive products. Please visit www.payback.in to know more.

Enjoy Platinum benefits from Visa. Please refer to www.visaplatinum.com for latest offers and detailed terms and conditions applicable.

Please note: Insurance cover, available on the ICICI Bank Platinum Credit Card has been withdrawn from April 1, 2010. i-Assist, the concierge service has been withdrawn from March 31, 2010.

ICICI Bank has a wide range of fuel waiver credit cards. Explore them now!

Related Posts