ICICI Bank Ascent American Express Credit Card Review

The ICICI bank ascent american express credit card is purely designed to offer you more reward points for your everyday expenses. It is one of the few ICICI credit cards that work under the Amex network. It lets you enjoy useful icici bank credit card reward points with every transaction, free access to airport lounges, and lots more. More about the benefits of icici credit card are discussed below.

How does the icici credit card eligibility work?

  • Resident Type: Indian. 
  • ICICI credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs.45,000 monthly.
  • ICICI bank credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: The annual income tax return of the applicant should be above Rs.4 lakh.
  • A CIBIL score of 750+ is needed to apply for this icici credit card

What are the documents required for icici credit card application?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report.

What are the icici credit card yearly charges?

  • ICICI credit card joining fee: Rs. 4,000 + GST
  • ICICI bank credit card annual fee: Rs.1,000 + GST 

What are the benefits of icici credit card?

  • Get started with a huge joining bonus:

As you activate your card for the first time, you will receive 4000 icici points as a welcome gift. 

  • Make your every transaction rewarding:

The icici credit card rewards are offered like this.

Category of transaction

ICICI credit card points for every Rs.200 transaction
Dining, shopping, and departmental stores 6 icici rewards
All other credit card transactions 3 icici bank rewards
Accelerated credit card spending 12 icici reward points

You can check your reward balance from your icici credit card mobile app. Those points can be redeemed from the icici credit card points redemption catalog.

  • Complimentary icici credit card airport lounge access facility:

This icici credit card offers you complimentary access to some of the selected airport lounges across the country.  

  • Get freedom from fuel surcharges:

This icici credit card offers you an exclusive waiver on fuel surcharges across all fuel stations in India. The maximum amount of waiver you can earn in a month depends on your credit card usage.

  • Enjoy the assistance of a multilingual concierge team:

With this icici amex card, you will get a world-class concierge service facility. They can assist you with hotel booking and table reservations at restaurants, gift delivery, etc. Just call the icici credit card helpline number to book your free concierge. 

  • Advanced security arrangements:

This icici bank amex card is equipped with an advanced EMV chip, this chip uses a very strong encryption method to store your credit card info making your ICICI ascent account much more secure than before. 

But if your card ever gets lost or stolen, it becomes mandatory to block it. If you want to know how to block icici credit card temporarily, then Visit our icici card FAQs page. 

What are the icici bank credit card charges?

Particulars 

Payable Amount

ICICI credit card cash withdrawal charges 2.5% against the withdrawn amount, min Rs. 300 (check your icici credit card cash withdrawal limit before making a withdrawal)
ICICI credit card finance charges The interest rate on icici credit card can go up to 3.40% monthly (applicable if you don’t pay your icici credit card bill on time)
ICICI international credit card transaction charge 3.5% against the transacted amount.
ICICI bank add on credit card fee Free for a lifetime.

How to contact the icici credit card customer support department?

  • Call the icici customer credit card care number: 1860-120-7777 / 022-3366-7777 or +91-40-7140-3333
  • Write to the icici credit card customer care mail id: headservicequality@icicibank.com 

100xGain Ratings:

6.5/10

Pros and cons of the ICICI Amex ascent credit card:

Pros 

Cons

  • The rate of earning icici credit card rewards is quite impressive.
  • This icici bank credit card offers you free access to airport lounges. 
  • The icici credit card annual charges are a bit high. 

Final Opinion:

After analyzing the icici bank credit card benefits, I can say that this card can only be beneficial for those who love to earn reward points. It offers you up to 6 icici payback points with every transaction, complimentary lounge access, etc. So if you are eligible then you can keep this icici american express credit card for your regular usage.

But unfortunately, ICICI bank has stopped sourcing this icici amex credit card. Therefore, If you want some similar card options, then make sure to take a look at the alternative card options given below.

Alternative cards of the ICICI american ascent card: 

  1. Bajaj Finserv RBL Bank World Plus SuperCard. (Best for lounge access, movie, and dining)
  2. RBL Movies and More Card. (Best for reward points)
  3. Mumbai Metro SBI Card. (Best for earning reward points)

 

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