ICICI Bank Ascent American Express® Credit Card Review

ICICI Bank has launched a credit card for their existing customers, named ICICI Bank Ascent  American Express Credit Card, it a co-branded credit card that ICICI Bank has launched with the alliance with American Express. The main aspect of the card is the reward point, although there are other benefits like concierge service, fuel surcharge waiver, lounge access, etc. let’s take a closer look at its benefits. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: The bank will let you know at the time of application. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: The bank will let you know at the time of application.
  • Good CIBIL Score(750 or more). 
  • Good relation with the bank. 
  • This card is available for ICICI Bank’s existing customers. 

Required Documents:

  • 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
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 

Fee:

  • Joining Fee: ₹4,000 + GST
  • Annual Fee: ₹1,000 + GST

Benefits:

  • Welcome, Benefit:

You will get a  joining benefit of 4000 Hand-picked Rewards and choose from the exclusive ‘Hand-Picked Rewards’ catalog featuring brands from fashion to fragrances, dining to holidays, home entertainment to hi-tech gadgets, and much more, to redeem them. 

  • Reward Program:

You can earn 6 Hand-Picked Rewards on every ₹ 200 spent on dining, and shopping at leading department stores, air tickets booked through airline offices and websites, overseas expenses.

This card offers 3 Hand-Picked Rewards on every ₹ 200 spent on all other categories. 

This card also offers up to 12 Hand-Picked Reward on every ₹ 200 on accelerated spend on your card.

  • lounge Access:

This card gives you complimentary access to some selected airport lounges.  

  • Lifestyle benefit:

From time to time this card comes with exclusive deals on Shopping, Movies, Golf, etc. 

  • Fuel surcharge waiver:

You will get some waiver of fuel purchase at any fuel stations in India.  

  • i-Assist:

This card comes with a world-class concierge service named i-Assist, you can get assistance from them for hotel booking and table reservation at restaurants, gift delivery, assistance during a medical emergency, etc. 

  • Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the American Express cards are accepted. 

  • EMV Chip Card:

This card comes with the new EMV Chip and Pin System, it makes your transactions more secure than before. 

Charges:

  • Cash Withdrawal Charge: 2.5% against the withdrawn amount, min ₹300.  
  • Finance Charge: 3.40% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 

Contact Details:

Call: 1860-120-7777

Mail: You can mail the service authority just by visiting their website here: https://www.icicibank.com/complaints/complaints.page

100xGain Ratings:

6.5/10

Final Opinion:

This card is beneficial for earning reward points, it offers 6 handpicked reward points on each transaction, it also comes with a world-class concierge service, fuel surcharge waiver, complimentary lounge access, etc. So if you are an existing customer of ICICI Bank and if you want a credit card from ICICI Bank, then you can go for this card. 

Leave a Reply

Share via
Copy link
Powered by Social Snap