ICICI Bank VISA Signature Credit Card

The ICICI Bank VISA Signature Credit Card stands out with its distinct and exclusive rewards and benefits. With a joining fee of Rs. 25,000, this card offers a unique welcome benefit of 30,000 Hand-picked Rewards. Additionally, you earn up to 10 Hand-Picked Rewards for every Rs. 100 spent. These versatile Rewards can be redeemed for various options such as travel, dining, gadgets, Air miles, and more from the Hand-picked Rewards catalogue.

Furthermore, you have the opportunity to receive a shopping voucher worth Rs. 1000 for every 1250 Hand-picked Rewards earned. Enhancing your travel experience, the card grants complimentary Priority Pass Membership, allowing access to over 600 domestic and international airport lounges worldwide. Enjoy the exclusivity and luxury that come with the ICICI Bank VISA Signature Credit Card.

Key Highlights of ICICI Bank VISA Signature Credit Card

  1. Earn up to 10 hand-picked rewards for every Rs. 100 spent.
  2. Enjoy a welcome bonus of 30,000 hand-picked rewards.
  3. Receive a complimentary Priority Pass Membership.
  4. Avail 1 free golf round each month.
  5. Access 24*7 personal concierge service.
  6. Redeem shopping vouchers worth Rs. 1000 for every 1250 hand-picked rewards.

Features and Benefits of ICICI Bank VISA Signature Credit Card

The ICICI Bank VISA Signature Credit Card offers several features and benefits:

1. Welcome Benefits:

  • Receive 30,000 exclusive hand-picked rewards upon becoming a cardholder.
  • Redeem points from the diverse “Hand-picked rewards” catalogue featuring popular brands.

2. Hand-picked Rewards:

  • Earn 10 hand-picked rewards for every Rs. 100 spent on the card.
  • Redeem reward points for various options, including fashion, dining, travel, gadgets, home electronics, and air miles.
  • Avail a Rs. 1000 voucher for every 1250 points accumulated.

3. Golfing Privileges:

  • Complimentary access to golf courses in India and abroad.
  • Enjoy one free round of golf monthly upon spending Rs. 1 lakh or more in the previous month.

4. Lounge Access:

  • Receive a complimentary Priority Pass, providing access to over 600 selected airport lounges globally.
  • Annual US$ 99 fee waived, but lounge visit charges apply.

5. i-Assist:

  • 24/7 concierge service for reservations, gifts, hotel bookings, travel, car rentals, and assistance with emergency auto needs and medical services.

6. Fuel Surcharge Waiver: Enjoy a fuel surcharge waiver at any petrol station.

7. Interest-Free Credit Period:

  • Pay for purchases 18-48 days later, depending on factors like purchase date and outstanding balance.
  • Continue the interest-free period by paying bills in full.

8. Attractive Interest Rates:

  • Avail interest rates as low as 1.25% per month, based on factors like your relationship with the bank, purchase history, and loyalty.
  • Maximum interest rate capped at 3.50% per month.

9. Internet Banking:

  • Manage your ICICI credit card conveniently online.
  • Use Internet Banking for activities such as viewing statements, paying bills, setting standing instructions, disputing transactions, blocking your card, and reporting card loss.

10. Mobile Banking:

  • Bank through the mobile app or SMS facility.
  • Download the app for easy access to your account and conducting various transactions on the go.

ICICI Bank VISA Signature Credit Card Fees and Charges

Explore the fee structure for the ICICI Bank VISA Signature Credit Card and discover the financial advantages that come with it.

  1. Joining Fee (1st year): Rs. 25,000
  2. Annual Fee (2nd year onwards): Rs. 2,000
  3. Finance Charges: 3.40% per month / 40.80% p.a.
  4. Late Payment Charges:
  • Nil for amounts less than Rs. 100
  • Rs. 100 for amounts between Rs. 100 – Rs. 500
  • Rs. 500 for amounts between Rs. 501 – Rs. 10,000
  • Rs. 750 for amounts more than Rs. 10,000

Eligibility Criteria for ICICI Bank VISA Signature Credit Card

Here are essential criteria for applying for an ICICI Bank VISA Signature Credit Card:

  1. Age Requirement: The applicant should fall within the age range of 21 to 65 years.
  2. Income Stability: A stable source of income is a prerequisite for the applicant.
  3. Citizenship Criteria: The applicant must be a citizen of India.

Documents Required for ICICI Bank VISA Signature Credit Card

To apply for the ICICI Bank VISA Signature Credit Card, you will typically need to provide the following documents:

1. Proof of Identity:

  • PAN Card
  • Aadhaar card
  • Driver’s License
  • Passport
  • Voter’s ID
  • Overseas Citizen of India Card
  • Person of Indian Origin Card
  • Job card issued by NREGA
  • Letters issued by the UIDAI or any other government-approved photo ID proof

2. Proof of Address:

  • Aadhaar card
  • Driver’s License
  • Passport
  • Utility Bill (not more than 3 months old)
  • Ration Card
  • Property Registration Document
  • Person of Indian Origin Card
  • Job card issued by NREGA
  • Bank Account Statement
  • Any other government-approved address proof

3. Proof of Income:

  • Latest one or two salary slips (not more than 3 months old)
  • Latest Form 16
  • Last 3 months’ bank statement

How To Apply for ICICI Bank VISA Signature Credit Card?

Follow these steps to apply for the ICICI Bank VISA Signature Credit Card:

  1. Visit ICICI Bank Website: Go to the official ICICI Bank website and navigate to the credit cards section.
  2. Select VISA Signature Card: Choose the ICICI Bank VISA Signature Credit Card from the list of available credit cards.
  3. Check Eligibility: Verify your eligibility for the VISA Signature Card based on income, credit score, and other criteria provided by ICICI Bank.
  4. Fill Online Application: Complete the online application form with accurate personal, financial, and contact information.
  5. Submit Required Documents: Upload or submit the necessary documents such as proof of identity, address, and income as specified by ICICI Bank. Await approval and follow any further instructions provided by the bank.

Frequently Asked Questions (FAQs) –

1. What are the key features of the ICICI Bank VISA Signature Credit Card?

The ICICI Bank VISA Signature Card offers various benefits, including complimentary lounge access, rewards program, exclusive privileges, and enhanced security features.

2. How can I apply for the ICICI Bank VISA Signature Credit Card?

You can apply for the card online by visiting the official ICICI Bank website, selecting the VISA Signature Card, checking eligibility, and filling out the online application form.

3. What documents are required for the ICICI Bank VISA Signature Card application?

Commonly required documents include proof of identity, address, and income. Specifics may vary, so it’s advisable to check the official requirements listed by ICICI Bank.

4. What is the eligibility criteria for the ICICI VISA Signature Card?

Eligibility criteria typically include age, income, and credit score requirements. It’s recommended to review the specific criteria outlined by ICICI Bank for this credit card.

5. What benefits does the ICICI Bank VISA Signature Credit Card offer for international travel?

The card may provide benefits such as complimentary international lounge access, travel insurance coverage, and other perks designed to enhance the travel experience.

6. How does the rewards program work for the ICICI Bank VISA Signature Credit Card?

The card may offer a rewards program where you earn points for every transaction. These points can often be redeemed for a variety of rewards, including merchandise, travel bookings, and more.

7. Are there any annual fees associated with the ICICI Bank VISA Signature Credit Card?

It’s important to check the terms and conditions for the specific card, as fees may vary. Some credit cards may have an annual fee or offer a waiver based on spending patterns.

8. How can I check my ICICI Bank VISA Signature Credit Card statement online?

You can usually view your credit card statement online through the ICICI Bank internet banking portal or mobile app. Log in with your credentials, navigate to the credit card section, and select the statement option.

9. What security features are in place for the ICICI Bank VISA Signature Credit Card?

The card may include security features such as EMV chip technology, one-time password (OTP) authentication, and other measures to protect against unauthorized transactions.

10. How can I contact ICICI Bank customer service for queries related to my VISA Signature Credit Card?

You can contact ICICI credit card customer care service through their helpline, email, or by visiting a local branch. Contact details are usually available on the official website and on the back of your credit card.