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 is a co-branded credit card that ICICI Bank has launched with the alliance of American Express. The main aspect of the card is earning icici bank credit card reward points from everyday expenses, although there are other benefits of icici credit card like concierge service, fuel surcharge waiver, lounge access, etc. let’s take a closer look at its benefits and see what else this card has to offer us and does it worth the Rs. 1000 icici bank credit card annual fee or not. 

ICICI credit card 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.

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.

Fee:

  • Joining Fee: Rs. 4,000 + GST
  • Annual Fee: The icici credit card yearly charges are easy to understand. You have to pay Rs. 1,000 + GST as an annual fee. 

Benefits:

The benefits of icici credit card are discussed below.

  • Welcome Benefit:

You will get a  joining benefit of 4000 Hand-picked Rewards and choose from the exclusive icici bank credit card reward points redemption catalogue featuring brands from fashion to fragrances, dining to holidays, home entertainment to hi-tech gadgets, and much more.

  • Reward Program:

You can earn 6 Hand-Picked icici credit card rewards on every Rs. 200 spent on dining, and shopping at leading department stores, air tickets booked through airline offices and websites, overseas expenses. This icici credit card offers 3 Hand-Picked Rewards on every Rs. 200 spent on all other categories. This card also offers up to 12 Hand-Picked Rewards on every Rs. 200 on accelerated spend on your card. You can see your total earned reward points form your net banking or from your icici credit card mobile app.

  • ICICI credit card airport lounge access offer:

To make your travel more luxurious this card gives you complimentary access to some selected airport lounges.  

  • Lifestyle benefit:

From time to time this card comes with exclusive icici credit card shopping offers, Movies, Golf, etc. 

  • Fuel surcharge waiver:

You don’t need to pay extra for fuel purchases. Because with this card you will get some waiver on fuel surcharges, this icici credit card offer is applicable at any fuel station in India.

  Read the icici credit card terms and conditions to know more about the benefit. 

  • i-Assist:

This icici bank credit card offers 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. Just call the icici credit card help line number for any help. 

  • 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 icici credit card 3d secure pin system, it makes your transactions more secure than before. But if your card is lost or stolen, you should block your card immediately to prevent financial losses. There are numbers of ways to block icici credit card. Visit our ICICI Bank FAQs page to get more detailed instructions.  

Charges:

  • ICICI credit card cash withdrawal charges: 2.5% against the withdrawn amount, min Rs. 300.  
  • ICICI credit card interest rateThe interest rate on icici credit card is quite high. And for this particular card, it is 3.40% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 
  • ICICI bank add on credit card fee: Free for a lifetime. 
  •  

Contact Details:

ICICI customer credit card care number: 1860-120-7777

ICICI credit card customer care mail id: You can mail the service authority just by visiting their website by clicking here. 

100xGain Ratings:

6.5/10

Final Opinion:

This card is beneficial for earning icici credit card rewards, 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.

But if you are not satisfied with the icici bank credit card benefits offered by this card, then we have listed some alternative card options below. Take a look at them and hopefully, you will find your choice. 

Alternative Cards: 

  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)

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: