ICICI Bank Credit Card Offers

ICICI Credit Card Offers

If you love shopping, it would be a good idea to gift yourself an ICICI credit card. The credit cards have umpteen gifts in store for you which will easily offset any interest you pay for the convenience of using the facility. From Gucci to groceries, you can buy just about anything using your ICICI credit card – and what’s more you will earn a reward each time you use the card.

There are various offers on ICICI credit cards. Some of these offers are listed below. These offers are applicable on all SBI credit cards except the corporate cards.

Lifestyle

Healthcare

Electronics

Gifting

Entertainment offers

Benefits of ICICI Credit cards

ICICI credit cards bring you a number of benefits.

• Credit Period: As soon as your card is activated you get a welcome offer of 48 days free credit – which means no interest for the first 48 days of using your card. You also get a welcome back offer if you have lost your card and a new card is issued.
• Ease of Payment: The payment is made easier with auto-debit facility. This means you need not worry about settling your dues - it will be done automatically.
• Revolving Credit: Your credit card is essentially a loan that a bank gives you to make purchases. The bank charges you a fee for loaning you the amount called interest. At the end of each month, when you receive your credit card bill, you can choose to make payment in full or partially. If you choose to make part payment, the amount of interest on the overdue amount gets added to the credit card dues. Interest is charged on this amount from the date of conversion. This is called the revolving credit facility.
• Temporary credit-limit enhancement: If at any point you need to make a purchase that goes beyond the limit of your credit card, you can call the customer care number and have the limit temporarily extended. The customer care executive will give you all the details of extension depending on the type of card you hold and your credit status.
• Online Shopping: ICICI facilitates online shopping both domestic and international. You can use your credit card to make purchases on the website of all domestic online retailers as well as a few international retailers.
• Fuel Surcharge Waiver: Through ICICI Bank Platinum Credit Card, you will enjoy a 2.5% surcharge waiver each time you purchase fuel. This is subject to a maximum transaction value of Rs.4000 per transaction.
• Complimentary access to Airport and Railway Lounges: ICICI Bank customers can indulge in the convenience of access to airport and railway lounges across India. No more sweltering heat while you wait for your plane or train.

Frequently Asked Questions

1. What is the status of my credit card?

Credit card status is the current amount due on a credit card at any given point. This includes not only the amount spent but also any interest as well as revolving credit amount.

If you had made an online application for your credit card you can track your status on the ICICI bank website. If you have utilized traditional methods, you can call the customer care number or walk into any branch of the bank to check your status.

2. Can I convert a particular transaction to EMI?

Yes. You can convert any retail transaction – except cash transactions and purchase of fuel or jewelry – into EMI. The available tenures are 3, 6, 9, and 12 monthly payments. To do this, call the customer care within 30 days of the transaction.

3. What are the options for the repayment of my outstanding credit card bills?

There are many ways in which you can pay your outstanding credit card dues. You can either pay via NEFT from another bank account or deposit a cheque for the outstanding amount. You can also walk into any branch if ICICI bank and deposit cash towards repayment of credit card dues.

4. Are there any add-on or supplementary card for the family members offered on the primary card by ICICI?

Yes, ICICI bank offers add-on cards for family members of the primary holder. You can apply for a maximum of 3 add-on cards. Each card will have a separate PIN and the same credit limit as the primary card. Add-on cards are not eligible for offers and rewards – any offers and rewards availed using an add-on card will revert to the primary card.

About ICICI

ICICI bank was formed in 1994 as a wholly owned subsidiary of the Industrial Credit and Investment Corporation of India (ICICI). The company was established in 1955 in an effort to develop small and medium industries in India. The bank was launched in 1994 at the time of privatization of the banking and finance sector. It has since gained worldwide recognition for its financial products and services. ICICI bank has also contributed significantly to setting up the Credit Information Bureau of India Limited (CIBIL) in India.