ICICI Bank Visa Signature Credit Card

ICICI Bank’s credit card is considered as one of the best credit card providers in India, it offers every type of credit cards from basic to premium. ICICI Bank Visa Signature Credit Card comes with exclusive privileges, which offers distinctive offerings to sync with your evolving lifestyle needs.

It offers the facility of i-asset, where you will get the privilege to order various services with the help of your personal assistant, just by dialing 1800-26-70731 or 022-6787-2016.

Eligibility Criteria:

Nationality: Indian

Salaried:

Age: 21 – 60 years

Income: Monthly net income greater than 1.5 lakhs with very good credit score

Self-Employed:

Age: 21 – 65 years

Income: ITR > 24 lakhs

Documents Required:

Copy of PAN Card, Address Card, ID Card(Aadhar Card/Voter Card/Passport/Driving License)

Recent passport size photograph, Salary Slip/Form 16/ITR

Fee:

Joining Fee:

Rs. 25,000+ Applicable Fee

Annual Fee:

1st year – Nil

2nd year – Rs. 2,000+ Applicable Fee

Reward Points:

As a welcome gift, the cardholder will get 30,000 hand-picked rewards, which can be redeemed against an array of popular brands from the exclusive hand-picked rewards catalog.

Get 10 hand-picked rewards on spending Rs. 100.

You can redeem those hand-picked rewards in dining, travel, fashion, gadgets, air miles, etc.

1250 hand-picked rewards = Rs. 1000.

Airport Lounge Access:

Get complimentary airport lounge access of more than 600 exclusive airport lounges across the world.

Golf:

Enjoy complimentary access to entry across the golf courses in Indian and across the world. This is limited to 1 complimentary round of golf per month for spending more than Rs. 1, 00, 000 in the previous calendar month on successful booking is on a first come first serve basis and is subject to weekly stock availability.

Fuel Surcharge:

Get fuel surcharge to waive off at any petrol pump.

Charges:

Cash Withdrawal Charge:

3.40%/month on the withdrawal amount.

Charges on over-limit amount:

3.40% on the overused amount.

Customer Care Number:

1860 120 7777

040 7140 333

100X Gain Ratings:

2.5 Star

Final Verdict:

It’s best suited for those who like golf privileges, who seek concierge service, an airport lounge access. But for those who want airlines, cashback rewards, or low joining, as well as an annual fee, make it unattractive.

I will not recommend it due to its limited offering yet very high joining fee, as in less than 1/3rd price you can get better benefit.

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