CREDIT CARD - ICICI Bank

Features of ICICI Credit Cards:

Bandhan
Customers can freely present a maximum of two add-on Cards to their wife, sister, brother,
parents or children above 18 years of age. To apply for this add-on Card, referred to as
"Bandhan", customers can just call the ICICI Bank 24-hour Customer Care Centre and place
their request with an executive.
A form will be sent to them. Also if customer has linked your Credit Card with your Internet
banking User-id then the customer can also place their request for an add-on Card online.
Balance Transfer Facility
If customers own Credit Cards issued by other banks and wish to apply for an ICICI Bank
Credit Card, they can transfer the outstanding balance from your other Card(s) on to the
ICICI Bank Credit Card.
This transferred outstanding will attract an interest rate of just 1.75% for the Blue & Silver
Cards and 1.50% in case of the Gold Card. And whats more, this beneficial rate of interest is
applicable for six months (this special interest rate will not be applicable for new purchases).
Customers can transfer any amount from a minimum of Rs2,000 to a maximum 75% of the
available credit limit on their ICICI Bank Credit Card.
Teleoptima Global Calling Card
The Teleoptima Global Calling Card makes international calling absolutely easy and it does
not levy and surcharge on customers.
The Teleoptima Global Calling Card charges will be conveniently billed later to your ICICI
Bank Credit Card and itemised call details will appear in your monthly statement. There is
also a special global tariff plan.
To avail of this facility, customers can call the ICICI Bank 24-hour Customer Care Centre and
request for a Teleoptima form.
Global Emergency Assistance Service
Customers traveling abroad have the option of using the Global Emergency Assistance
Services provided by Visa\Master for our cardholders.
These can be availed for
1. Reporting lost/stolen credit cards,
2. Requesting for an emergency card replacement
3. Emergency cash advance
4. Miscellaneous enquiries.
For availing Visa Global Assistance Services, charges as applicable including telecom costs
will be charged to your Card Account like Lost/Stolen Card reporting, Emergency Card
replacement, Emergency Cash Disbursement and Miscellaneous Customer Service Enquiries.
Insurance Benefits on an ICICI Bank Credit Card
Life is unpredictable and ICICI Bank understand customers concern for their family.
Insurance is by far the best way to safeguard the interests of the family.
And therefore in addition to any insurance cover customers already have, ICICI Bank offers
the most comprehensive insurance - related benefits. ICICI offer accident insurance,
purchase protection, baggage insurance, hospitalisation and household insurance.
Wide Acceptance
ICICI Bank Blue Cards are welcomed at all Merchant Establishments displaying the VISA logo
- over 1,10,000 and MasterCard logo - over 77,000 establishments across India and Nepal and
the Silver and Gold Cards are accepted globally by over 22 million VISA Card and 22 million
MasterCard accepting establishments.

 Statement by e-mail and mobile alerts

Statement Online is a very simple, powerful and convenient way to view Credit Card
statement details instantly without any postal delays.
Just sign up for Statement Online and get faster, reliable access to your Account Statement.
Mobile alerts from ICICI Bank provides you with information on your ICICI Bank Credit Card
even when customers are on the move.
Customers would now no longer miss a payment or exhaust their credit limit without a
warning. Currently customers having Internet Banking user-ids can subscribe to the alerts.
Earn while you spend-ICICI Bank Xpress Rewards Programme
A special bonus plan that allows customers to earn points every time they use their Card,
Every Rs. 100 that they spend earns them 1 point. The redemption of reward points can be
done against the products, services in the rewards catalogue or against your renewal fees.
Photo-Card
Customers have the option of having their photograph and signature digitally imprinted on
the front of the Card. This provides extra security at any of the merchant establishments.
In fact, it can be used as a proof of identification. In the interest of their own security, we
strongly recommend that customers opt for a photo-Card. If customers had decided not to opt
for a photo Card when applying, just call the ICICI Bank 24-hour Customer Care Centre and
place your request with the executive. A form will be sent to you.
You are then required to mail the completed form to the bank. A photo-Card will be yours at
no extra cost.
Self Set Limit
The only Card that allows customers to pre-define their own credit limits. They can request
for a limit lower than what they are eligible for. Customers can even preset the monthly
spending limits on the "Bandhan" Card. Any transactions over the specified 'Spend Limit' will
be declined.
This monthly spending limit can be reset every billing cycle by just calling the ICICI Bank 24hour Customer Care Centre and placing a request with the executive. Your spending limit will
be changed on-line and come in to force from the next billing cycle.
Cash Advance Facility
With an ICICI Bank Credit Card in your wallet, you will not be strapped for cash ever again.
You can withdraw cash on your Card, 24-hours a day from any VISA and MasterCard
participating member bank ATM. During banking hours you can also draw cash over-thecounter, from any ICICI Bank branch in cities where the ICICI Bank Credit Card has been
introduced.
Internet Banking
To access information when customer need it, wherever they need it, ICICI offer you access
to ICICI Bank Credit Card related information through the Internet on www.icicibank.com.
Customers can do transactions like accessing account information - current and last
statement, getting your payment status, viewing your monthly statement by email, request
for a duplicate PIN, record a change of address, order a draft, give auto debit instructions,
request for a replacement Card or an add-on Card, access and redeem online from the
Rewards catalogue, subscribe to statement by e-mail and mobile alerts.
Limited Lost Card Liability
In case the Card is lost or stolen, call the ICICI Bank 24-hour Customer Care Centre and
report the loss of your Card. A new Card will be sent to customers within 72 hours of
reporting this loss. Customers are protected from any financial liability arising out of
transactions done on your missing Card, from the time loss is reported.
Dial-A-Draft
To order a draft from the convenience of home, customers can simply call the ICICI Bank 24hour Customer Care Centre and ask for a draft, payable anywhere in India and favouring any
company or individual (you can order a draft up to the available limit cash limit on your

account). The draft will be delivered to your mailing address.

For each draft request, a transaction fee of 1.0% of the amount withdrawn, subject to a
minimum of Rs 50, will be levied.
However, for the Gold Cardholders, no transaction fee will be levied. In addition to the
transaction fee, an interest charge will also be levied from the date of transaction to the date
of repayment. The amount of the draft will be billed in the monthly Credit Card statement.
Utility Payments
Customers now have the convenience of paying their utility bills - telephone and mobile
phone bills through their ICICI Bank Credit Card.
Purchase Protection
Anything the customer buy from his/her ICICI Bank Credit Card is insured against damage or
loss due to fire or theft. You can claim the value of the product damaged or lost within 90
days of date of purchase. Purchase Protection for our True Blue Cardholders is Rs 10,000, Rs
20,000 for our Silver Cardholders and Rs 40,000 for our Gold Cardholders.
ICICI Bank 24-hour Customer Care Centre
The ICICI Bank 24-hour Customer Care Centre is equipped with a state-of-the-art system that
ensures customers queries being handled efficiently and promptly.
Revolving Credit Facility
When customers receive their bill, they need not pay the entire bill amount. They have the
flexibility of selecting any of the following payment options:
Pay the total amount due.
Pay only the minimum amount due (5% of the bill amount subject to a minimum of Rs 100)
and the balance can be carried forward to subsequent statements.
Pay any amount ranging from the minimum amount due to the total amount due.
Auto Debit Facility
If customers have an account with any ICICI Bank branch, they have the option of making
the payment of their monthly credit statement (either the minimum amount due or the total
amount due) directly through their bank account.
Temporary Credit Limit Enhancement
There will be times when customers feel the need for an increase in their credit limit to
enable themselves to make increased purchases on their Card. To avail of the temporary
credit limit enhancement, all that a customer needs to do is to call our Customer Call Centre
and make their request. The executive will be able to increase the limit on-line.
Travel Discounts from BTI-SITA
BTI-SITA will offer a 3.5% discount on all domestic air travel tickets. This will be applicable
on Super Apex, Apex fares and super saver fares. BTI-SITA will also offer a 3.5% discount on
international fares.
These discounts will be extended to all ICICI Bank credit card customers, both existing
customers and new customers.
However the above rate of discount may undergo changes as and when the airline revises
their commission charges.
You can book the tickets either on phone or in person at 17 offices of BTI-SITA across various
cities all over India.