ICICI Bank Visa Signature Credit Card Review

The icici bank visa signature credit card offers the best benefits at an unbeatable price. Designed for the top tier of Indian credit card users, this card offers free access to airport lounges, exclusive discounts on dining, complimentary golf rounds, and more. The best part is that you will get to enjoy all those premium benefits at just Rs.2000 per year. So let’s take a closer look at this icici credit card review to determine if this card is worth applying for.

How does icici bank visa signature credit card eligibility work?

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs. 1.5 lakh (monthly)
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: income tax return should be greater than Rs. 24 lakh. 
  • A good CIBIL score(750 or more) is required to apply for this icici premium credit card.
  • A healthy relationship with the bank will help you to get this icici signature credit card more easily.  

What documents are needed to apply for the ICICI Bank visa signature credit card?

  • 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. 

How much does the icici bank visa signature credit card cost?

  • ICICI signature credit card joining fee: Rs. 25,000 + GST
  • ICICI signature credit card annual fee: Rs. 2,000 + GST

What are the icici bank visa signature debit card benefits

  • Welcome bonus of huge proportions:

With the issuance of this icici credit card, you will get 30,000 hand-picked reward points as a welcome gift. You can redeem those reward points against an array of popular brands from the catalog. 

As per the new regulations, all new icici bank credit cards are delivered in an inactive state, so if you want to know how to activate new icici credit card for the first time then make sure to take a look at our ICICI Credit card FAQ page

  • Be rewarded for every transaction you make:

For each Rs. 100 spent with this card, you will get 10 hand-picked rewards. You can redeem those icici bank reward points against dining, travel, fashion, gadgets, air miles, etc. 1250 hand-picked icici credit card reward points value is equal to Rs. 1000.

  • Enjoy complimentary access to lounges when you travel:

To make your travel more comfortable this icici visa credit card offers complimentary priority pass membership, you will get access to 600+ VIP lounges across the globe.

  • Save a lot on dining expenses:

This icici credit card offers 10 hand-picked rewards for each Rs.100 transaction on dining. You can check the status of your earned benefits from the icici credit card online banking account.

  • Entertain yourself with complimentary golf rounds:

If you can spend Rs. 1,00,000 with this icici bank card in a calendar month, you will get one complimentary golf round in the next month. Successful booking is on a first come first serve basis and is subject to weekly stock availability.

  • Save money by avoiding fuel surcharges:

This icici signature credit card features an exclusive waiver on fuel surcharges, this icici bank credit card offer is applicable at any fuel station in India. But If you want to get more benefits on fuel purchase, then I would recommend you to go for an icici fuel credit card

  • A multilingual concierge service to assist you:

This icici credit card features a world-class multilingual concierge service that can assist you in hotel booking, table reservations at restaurants, gift delivery, and lots more.

  • The advanced EMV chip provides increased security:

This icici premium credit card is equipped with an advanced EMV chip, these chips use a very strong encryption method to store your data which makes your card nearly impossible to clone.

What are the icici bank credit card charges?

Particulars

Payable Amount

ICICI credit card cash withdrawal charges.

The cash withdrawal from icici credit card is not free; you will be charged 2.50% against the withdrawal amount, Min Rs. 300.

Finance Charge

The icici credit card interest rate after due date will be 3.40% monthly (applicable even if the icici credit card minimum amount due is paid)

ICICI bank credit card charges on foreign currency transactions.

3.50% against the transaction amount.

ICICI credit card add on card fee

Free for a lifetime.

As per the new rules, international transactions on new icici cards are temporarily disabled. If you want to know how to get icici credit card activated for international transactions then feel free to take a look at the 100xGain faq page.

How can I get in touch with the icici bank credit card customer care department?

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

If you are not satisfied with the service provided by the customer service, then you can contact the icici credit card grievance cell by clicking here. 

100xGain Ratings:

6/10

Pros and Cons of the icici visa signature credit card:

Pros

Cons

  • This card gives you free access to the domestic and international airport lounges.
  • Also, this icici credit card features some free golf rounds.
  • The rate of earning icici credit card points is very good.
  • There is no cashback or discount offer on this icici bank credit card.
  • The icici credit card annual charges are a bit high.

If you don’t want to continue with your old ICICI credit card then feel free to take a look at our faq page to know how to surrender icici credit card?

Final Opinion:

This ICICI visa signature card is best for those who want lounge access or golf privilege, it also offers concierge service, fuel surcharge waiver, and reward points on every purchase. But this card costs Rs. 2,000 as an annual fee and the benefits offered by this icici signature credit card cannot justify it quite well. 

So if you want to spend a little more and want to grab some more lifestyle benefits, you can check the alternative credit card list given below. You can also check our top credit card pages. It will help you to find the card that suits you better.  

Alternative Options: 

  1. Axis bank pride signature credit card (Best for lounge access and dining related benefits)
  2. Citibank prestige credit card (Best for lounge access and dining related benefits)
  3. ICICI bank coral amex credit card (Best for movie and dining related benefits)

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