ICICI BANK AND THEIR CREDIT CARD PLANS

ICICI Bank is India's second-largest bank with total assets of Rs. 3,446.58 billion (US$ 79 billion) at March 31, 2007 and profit after tax of Rs. 31.10 billion for fiscal 2007. ICICI Bank is the most valuable bank in India in terms of market capitalization and is ranked third amongst all the companies listed on the Indian stock exchanges in terms of free float market capitalization*. The Bank has a network of about 950 branches and 3,300 ATMs in India and presence in 17 countries.
ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management. The Bank currently has subsidiaries in the United Kingdom, Russia and Canada, branches in Singapore, Bahrain, Hong Kong, Sri Lanka.
ICICI Bank's equity shares are listed in India on Bombay Stock Exchange and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE).
ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly-owned subsidiary. Financial institution from non-Japan Asia to be listed on the NYSE.
 
 ICICI BANK- PREMIUM CARDS
  • ICICI BANK  Premium Credit Card
  • ICICI BANK Co-branded Credit Card
  • ICICI BANK- Classic Credit Card
  • ICICI BANK Affinity Credit Card
  • ICICI Bank Corporate Credit Cards

Premium Cards

    ICICI Bank Solid Gold Credit Card - Most Powerful Global Card

          Benefits
Ø  Welcomed internationally at over 22 million merchant establishments.
Ø  High credit and cash limits.
Ø  Dial a Draft at 2.5% of the draft amount subject to a minimum of Rs.300.
Ø  Lifetime Balance Transfer offer: 0.75% for first 6 months (9% p.a.), followed by 1.49% (17.88% p.a.) thereafter.
Ø  Zero lost Card liability.
Ø  Most powerful catalogue based rewards Program.
Ø  Mobile Alerts and Statement by E-mail

    ICICI Bank American Express Gold Credit Card
Benefits
Ø Earn 5 I-miles for every Rs. 100 spent on the card, which you can redeem for a range of exciting rewards such as air-tickets, holidays, shopping vouchers, electronics and more.
Ø Redeem your I-miles for air miles or vouchers from leading domestic and international airlines frequent flyer programmes such as Air Sahara Cosmos, Indian Airlines Flying Returns, Jet Airways Jet Privilege, Singapore Airlines Kris Flyer and more. Or redeem your I-miles into gift vouchers, electronics or even holidays.
Ø  Discount of 3% on basic airfares and 5% on holiday packages from makemytrip.com.
Ø Enjoy an exciting selection of year round privileges and savings in travel, leisure, dining and shopping in key destinations around the world with American Express.
Ø  Access over 2,200 American Express Travel Services Office locations* in over 130 countries worldwide for assistance in travel bookings and arrangements, purchase or encashment of travellers cheques, or simply to access cash.
Ø  Life time Free – Your ICICI Bank American Express card comes with no annual fee for life
Ø  Free Add-On card
Ø  0% Balance Transfer offers for 90 days
Ø  Round the clock customer service hotline

        ICICI BANK Travel Smart Gold Credit Card
           Exclusive Benefits
Ø  10% cash back (discount) on any airline ticket booked through related Website.
Ø  24x7 Personal Travel Desk for assistances in booking flights, hotels, holiday packages.
Ø  Up to 50% discount on holiday packages booked through related website.
Ø  Up to 20% discount at over 500 fine restaurants in India.


             ICICI BANK Golf Card
           Benefits:
Ø  Free annual membership of the Indian Golf union.
Ø  Access to over 160 golf courses across India.
Ø  Up to 25% discount on green fees.
Ø  Offers on International Luxury Golf Holiday Packages.
Ø  10% discount on premium Golf equipment brands & also get 0% EMI offer at select outlets.
Ø  Special discount available on Golf line Magazine & Golf Digest.
Ø  24x7 Golf Concierge Service for assistance on booking tee off times, finding golf coaches and obtaining tickets to golfing events.

CO-BRANDED CARDS

    ICICI Bank - HPCL Silver Credit Card

          Benefits:
Ø  Refund of surcharge on fuel purchases.
Ø  Exciting rewards programme.
Ø  15% discount on tiers, batteries and auto accessories sold at select HPCL petrol pumps.
Ø  All the benefits of the sterling silver credit cards.

    ICICI Bank HPCL Gold Credit Card

Benefits:
Ø  Refund of surcharge on fuel purchases.
Ø  Exciting rewards programme.
Ø 15% discount on tiers, batteries and auto accessories sold at select HPCL petrol pumps.
Ø  All the benefits of the sterling silver credit cards.

    ICICI Bank BPL Mobile Credit Card

          Benefits:
Ø  Easy pay facility.
Ø  Ram free national facility at no additional deposit.
Ø  Double reward points
Ø  Mobile phone insurance
Ø  Revolving credit facility.
Ø  All the benefit of the Sterling Silver Credit Card.

   ICICI Bank Amway Credit Card

Benefits:
Ø  Enrollment bonus.
Ø  Double reward points.
Ø  Zero Lost Card liability.
Ø  Comprehensive Travel Benefits.
Ø  Accepted at over 22 million merchant establishments globally.

    ICICI Bank Trinethra Credit Card
   First super market credit card in India.

  Benefits:
Ø  Double reward point for Rs 100 spent
Ø  Complimentary gift on purchase of Rs 800\-
Ø  Complimentary gift voucher of Rs 200 on membership.
Ø  Express check- out counter for members.
Ø  All benefits of the Sterling silver credit card.

    ICICI Bank Big Bazar credit card
         The most powerful retail credit card in India.

         Benefits:
Ø  Big Bazar vouchers Rs 500 with the credit card.
Ø  No finance charges on EMI purchase above Rs 1500.
Ø  1 reward points per Rs 100 on purchase.
Ø  4 reward points per Rs 100 on purchase at Big Bazar.
Ø  Bonus 100 reward points on purchase of Rs 10000 or more in month.
Ø Exclusive privilege such as Tele-ordering\home delivery\special purview of products.
Ø  All benefits of the sterling silver credit cards.


Classic Cards:

    ICICI Bank Sterling Silver Credit Card

                  Benefits:
Ø  Zero Lost Card liability.
Ø  Comprehensive Insurance for both primary and add-on-cards up to Rs 10 lakhs.
Ø  Household Insurance up to Rs 20000/-.
Ø  Baggage Insurance up to Rs 10000/-.
Ø  Purchase protection of Rs 20000/-.
Ø  Balance transfer at 1.75%.
Ø  Comprehensive Travel Benefits.
Ø  Most powerful catalogue based rewards Program.
Ø Accepted at over 22 million merchant establishments globally.
Ø Mobile Alerts and Statement by E-mail.

    ICICI Bank American Express Green credit card
     Benefits
Ø  Personal accident insurance.
Ø  Comprehensive travel related insurance.
Ø  Travel booking.
Ø  Zero fuel surcharges.
Ø  Card member loyalty program.
Ø  Emergency card replacement.
Ø  24-hour customer service.
Ø  Credit shield.
Ø  Traveller cheque and forgein exchange. 

                   Affinity Cards

    ICICI Bank Dentist Credit card

Benefits:
Ø  Free professional Indemnity Insurance.
Ø  Electronic Equipment Insurance EMI.
Ø  Saving on ICICI Bank Medical Equipment Loan.
Ø  Saving on ICICI Bank personal loan.
Ø  All the benefits of Sterling Silver Credit card.

    ICICI Bank Age India Credit Card

Benefits:
Ø  Option to contribute your Rewards points to your Help age India
Ø  All the benefits of the Sterling silver or Solid Gold Credit Card.

              Corporate Credit Cards

             ICICI Bank Corporate Cards
The ICICI Bank Corporate cards give you another opportunity      to recognize your senior executive in a very special way by nominating them to become Card Members. 

                   The Corporate Card Programme is exclusively designed to be an   effective tool in managing customer companies and employees’s business expenses. The card system also gives you valuable information, in the form of month reports, on individual card member expenses and also cumulative expenses by various Merchant Establishment categories. And of course card member get to enjoy all the benefits and privileges that come with an ICICI Bank Corporate Card.

  Powerful Benefits from ICICI Bank Corporate Cards:-

Benefits to the company:
Ø  Corporate Identity
Ø  Management MIS
Ø  Cost Saving
Ø  Reduced Administration Burden
Ø  Choice of Individual corporate Liability.

Benefits to Employees
Ø  Convenience
Ø  Security\insurance cover
Ø  World class service
Ø  Membership Rewards

Other Benefits to Card Members:-

Ø  Free Teleoptima Calling Card for use overseas with discounts on airtime and a cost saving tariff plan

Ø  Overseas Insurance Cover

Ø Emergency Assistance Services that enables Card Members to obtain emergency legal\medical referrals while traveling overseas.

 SPECIAL OFFERS
Ø  Anything customer can buy on ICICI Card could be free. When customer will use American Express Card can win whatever customer purchase. From gas and groceries to meals, air tickets or holiday bills. Every ten days 25 lucky card members will have a winning transaction credited back to their Card account.

Ø  For Medical Emergencies like surgeries, accidents and sudden illnesses, ICICI brings family PLUS, a complete insurance plan that is flexible enough to cover every member of family.

Ø  The freedom and convenience of anywhere, anytime banking with “ICICI Bank Internet Banking” services. 

Service Charge, Eligibility and Age Criteria for ICICI Credit Card
Cards
Service charges
Eligibility criteria

On Revolving Credit
Late Payment Fee
Salaried
Self-employed
Amway / Big Bazaar / BPL Mobile / HPCL Silver / Mini / Pru Life / Sterling Silver / Trinethra / True Blue / True Value / Affinity / Cash card -silver

2.95%
25%
Rs. 60,000/- p.a.
Rs. 50,000/- p.a
Solid Gold / HPCL Gold / Affinity Gold / Cash Card -Gold

2.95%
25%
Rs. 1,20,000/- p.a.
Rs. 1,00,000/- p.a.
American Express® Green

2.75%
25%
Rs. 1,20,000/- p.a.
Rs. 1,20,000/- p.a.
American Express® Gold

2.5%
25%
Rs. 3,00,000/- p.a.

Rs. 3,00,000/- p.a.

                                Age Criteria

Minimum Age
Maximum Age
Salaried
18
70
Retired
N\A
70
Self Employed
18
65

CARDS
JOINGING FEE
ANNUAL FEE
SUPPLEMENTRY FEE
ICICI Bank-Solid Gold card
Rs 300\-
Rs 1,500\-
Rs 750\-
ICICI Bank-American Express® Gold
Rs 500\-
Rs 2,000\-
Rs 1000\-
ICICI Bank-HPCL Gold
Rs 300\-
Rs 1500\-
Rs 750\-
ICICI Bank-BPL Mobile Card
Nil
Rs 750\-
Rs 375\-
ICICI Bank- Amway Card
Nil
Rs 750\-
Rs 375\-
ICICI Bank- Big Bazar Card
Nil
Rs 500\- on renewal Rs 750\-
First Add on Card Free, on renewal Rs 150\-

ICICI Bank-Trinethra Card

Nil

Rs 750\-

Rs 375\-


2 comments:

  1. Thanks for the information. I learned quite a bit from your article.

    professional indemnity insurance

    ReplyDelete
  2. I am Lavanya.N holding ICICI account in Delhi Vikaspuri Branch branch for more than four years. On 11th of December 2012, myaccount statement showed that there were three VPS transaction made using my ICICI Debit card. But the card was with me. So Immediately I called customer care and asked to block my card to stop further invalid transactions happening from my card.
    When I enquired customer care, I was asked to file a fraudulent case and as said I gave a complaint about this issue in Police station on 12th Dec 2012. And on further enquiry with ICICI customer care I came to know that all the three VPS transaction was made in 3 different shops in Bangalore.
    Hereby I kindly request you to take necessary action to find out the fraudulent that has happened and help me in getting back my money which is altogether a total sum of Rs.5640/- .
    Following are the transactions made in Bangalore.
    No Value Date Transaction Date Description Withdrawals Available balance Time
    11/12/2012 11/12/2012 VPS/SMART-NANDI/20110111124321/0 2,330.00 6,920.66 12.44
    11/12/2012 11/12/2012 VPS/TRINETHRA S/20110111130344/0 2,310.00 4,610.66 13.04
    11/12/2012 11/12/2012 VPS/KANTI SWEET/20110111164251/0 1,000.00 3,610.66 16.43
    Please help me in finding this fraudulent transaction that has happened from my ICICI account. I have also filed a complaint in ICICI as well as in
    Consumer Court but so far no action has been taken on this case.

    ReplyDelete

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