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ICICI Bank VISA Signature Credit Card

The ICICI Bank VISA Signature Credit Card is designed to make your life run smoother. For the frequent traveller, the card assists you any time with i-Assist, your personal concierge service. Plus, get complimentary access to exclusive lounges around the world. Rest and freshen up between your travels. The card also caters to the golf lover, giving you opportunities to play at some of the best golf courses around the world. Get special privileges and hand-picked rewards with your ICICI Bank VISA Signature Credit Card.

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ICICI Bank VISA Signature Credit Card Benefits

Welcome benefits:

  1. Upon becoming an ICICI Bank VISA Signature Credit Cardholder, you will receive 30,000 hand-picked rewards. You can redeem these points from the "Hand-picked rewards" catalogue which includes a number of popular brands.

Hand-picked rewards:

  1. Every time you spend Rs. 100 on your card, you earn 10 hand-picked rewards. You can later redeem these reward points from the catalogue that lists out a variety of options like fashion, apparel, dining, travel, gadgets, home electronics and even air miles. For every 1250 points, you can avail of a voucher worth Rs. 1000.

Golfing Privileges:

  1. You get complimentary access to golf courses in India and abroad. You also get one free round of golf per month if you spend a lakh or more on your credit card in the previous month.

Lounge Access:

  1. As an ICICI Bank VISA Signature Credit Cardholder, you are entitled to a complimentary Priority Pass. This gives you access to over 600 selected airport lounges around the globe irrespective of the airlines or class you fly on. The annual fee of US$ 99 is waived but you will have to bear the lounge visit charges.

i-Assist:

  1. Your very own concierge service at your call 24/7, i-Assist is with you to make your life more relaxed. i-Assist helps you with making reservations at restaurants, sending flowers and gifts, booking hotels, travel and car rentals. It also assists with emergency auto needs and medical services.

Fuel surcharge waiver:

  1. Fill up at any petrol station and get the fuel surcharge waived.
Other ICICI Bank Credit Cards
  1. ICICI Coral Credit Cards
  2. Amazon Pay ICICI Bank Credit Card
  3. ICICI Bank Platinum Credit Card
  4. ICICI Bank Titanium Credit Card
  5. ICICI Bank HPCL Platinum Credit Card
  6. ICICI Bank HPCL Coral Credit Card
  7. ICICI Bank Platinum Chip Credit Card
  8. ICICI Bank Instant Platinum Credit Card
  9. ICICI Bank Virtual Credit Card
  10. ICICI Bank Coral Visa Credit Card
  11. ICICI Bank Rubyx Visa Credit Card
  12. ICICI Sapphiro Credit Card
  13. MakeMyTrip ICICI Bank Credit Card
  14. ICICI Bank Mumbai Metro Credit Card
  15. Times Black ICICI Bank Credit Card
  16. ICICI Bank Unifare Delhi Metro Credit Card
  17. ICICI Bank Unifare Bangalore Metro Credit Card
  18. ICICI Bank NRI Coral Credit Card
  19. ICICI Bank Expressions Credit Card
  20. ICICI Bank Diamant Credit Card
  21. ICICI Bank British Airways Classic Credit Card
  22. ICICI Bank Coral Credit Card Against Fixed Deposit
  23. ICICI Bank Manchester United Signature Credit Card
  24. ICICI Bank Manchester United Platinum Credit Card
  25. ICICI Bank Purchase Card
  26. ICICI Bank Platinum Identity Credit Card
  27. ICICI Bank Carbon Credit Card
  28. ICICI Bank British Airways Premium Credit Card Account
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ICICI VISA Signature Credit Card Features

Interest-free credit period:

  1. Spend on your credit card and pay for your purchases 18-48 days later. Pay your bills in full to continue your credit period. The interest-free period depends on a few factors like when you make the purchase, your outstanding balance, and so on.

Attractive interest rates:

  1. Get interest rates at 3.40% per month on your credit card. Your interest rates can also depend on your relationship with the bank, your purchase and credit history, and loyalty. It can be as low as 1.25% per month. The highest rate of interest you can incur is 3.50% per month.

Internet Banking:

  1. Manage your ICICI credit card online at your convenience. Use the Internet Banking service to view statements, pay bills, set standing instructions, dispute transactions, block your card and report the loss of card and more.

Mobile Banking:

  1. ICICI Bank gives you the option to bank through the mobile app or through the SMS facility. Download the app and carry your bank with you. Access your account and carry out a number of transactions through your phone.
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ICICI Bank VISA Signature Credit Card Fees and Charges

Charge

Amount

Joining Fee

Rs.25000

Annual Fee

Rs. 2000 from the second year onwards

Supplementary Card

Nil

Interest on extended credit or overdue interest

3.40 % per month or 40.80% per annum.

Interest on cash advance

3.40 % per month or 40.80% per annum.

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Related Fees and Charges on ICICI Bank VISA Signature Credit Card

Charge

Amount

Cash advance transaction charge

2.5% of transaction amount, subject to a minimum of Rs. 300.

Priority Pass Membership

Free. US$99 otherwise.

Cash payment at bank branch

Rs.100

Cheque or cash pick up

Rs.100

Outstation cheque processing charge

1% of the cheque amount, subject to a minimum Rs. 100,

Reward redemption

Rs. 99 + service tax is levied for handling and courier on hand-picked reward redemption requests.

Card replacement

Rs.100

Chargeslip request

Rs.100

Overlimit

2.5% of the overlimit amount, or a minimum of Rs. 500.

Dial a loan transaction fee

3% of the amount subject to a minimum of Rs. 300.

Cheque return

2% of the total amount payable, subject to a minimum of Rs. 250.

Auto-Debit return fee

2% of the total amount payable, subject to a minimum Rs. 250.

Fuel surcharge

2.5% of the transaction amount or Rs. 10, in case fuel surcharge waiver is not applicable.

Surcharge on railway booking

1.80% of the transaction amount for bookings made online. 2.5% for any other booking.

Service tax

Service tax is charged at 14%. Applicable on interest, fees, surcharge and other fees.

Late Payment Charges on the ICICI Bank VISA Signature Credit Card

Total Amount Due

Charges

Up to Rs. 99

Nil

Rs. 100 - Rs. 500

Rs.100.00

Rs. 500 - Rs. 10000

Rs.500.00

Rs. 10000 - Rs. 20000

Rs.600.00

Above Rs. 20000

Rs.700.00

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ICICI VISA Signature Credit Card FAQs

  • When does ICICI Bank start charging interest on my VISA Signature credit card?

    If you pay your outstanding bills in full, you will not attract any interest at all. If you choose to pay partially or just the minimum amount due, the outstanding balance will be charged interest. Any subsequent purchase will also attract interest immediately.

  • How do I request for a new credit card?

    If your ICICI Bank VISA Signature credit card is damaged or lost, you can report it to ICICI Bank via the customer care or Internet banking. You can request for a new card which will be sent to you within 7 working days. The old credit card will be blocked and no longer usable.

  • What are the annual fees for the ICICI Bank VISA Signature Credit Card?

    When you apply for an ICICI Bank VISA Signature Credit Card, you will incur a fee of Rs. 25,000 as joining charges. There are no annual fees for the first year. From the second year onwards, a fee of Rs. 2,000 will be charged.

  • What do I do if my credit card is declined?

    If your credit card is declined, this could be because you have exceeded the credit limit, technical errors, the credit card is damaged and so on. Kindly call the ICICI bank 24x7 customer care number. An executive will be able to assist you in finding out the reason and solution to it.

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