Introduction:
In our modern city life, it is almost impossible to tread a single step without taking the help of certain technological boons, and one such is credit card - a small rectangular piece of plastic, which has revolutionized the entire spectrum of monetary transactions throughout the globe. The credit card serves a lot of purposes, the basic one being to ease the burden of carrying hard cash everywhere, and to transact without cash. This concept of digital money has not only eased business and boosted global trade and commerce, but also has helped the end users, i.e. us. Just imagine the situation we faced even a decade back, standing at large queues at bank in order to withdraw a meagre amount of our hard earned money. And the process not only involved standing at queues, but involved quite a bit of complex paperwork as well, keeping aside the precious working hours wasted in this process.
The arrival of credit cards not only eased all of these mentioned problems, but it also opened a whole new world of opportunities in front of us. In this article we will discuss about that topic. As the rapid popularity of credit cards spread like wildfire throughout the globe, one after another key banking player introduced the system for their customers, which further boosted their prospects. In a very short span of the time credit cards became a global phenomenon.
ICICI Bank, an Introduction:
Coming to the Indian scenario, ICICI Bank gained the most out this situation as it captured the nascent market with all its strength and might. Even in face of growing competition from other banks, ICICI Bank has been able to maintain the edge till now, and whatever might be the place. Credit cards by ICICI are all time favorites for customers. This is because of their immense experience in creating and advertising credit cards in the financial market.
Classification of Credit Cards:
Credit cards are classified according to the added benefits they command apart from serving their prime purpose. We all know that platinum is the most expensive ornamental metal that we have at our disposal, dethroning gold and silver. Thus it is very easy and simple to deduce that a credit card belonging to the platinum range commands much more benefit than a gold or silver range. And not only has that, the platinum range credit cards also enhanced the social stature of the person owning it, increasing his social value. Apart from the classification in accordance to metals, the credit cards of the visa series are highly flexible and can be used anywhere in this world. For example a couple from Amritsar, on a vacation in Paris can use their visa credit card to buy stuffs from Paris, without even changing their money into local currency.
Benefits:
Apart from this ease, credit cards also bring a lot of hidden gifts, such as guaranteed discount on dining bills from selected restaurants; e-commerce sites regularly give discounts on purchases using a credit card. And in this ball game, the credit cards from ICICI Bank commands much more benefits, due to their tie-ups with a large number of restaurants, e-commerce sites and travel chains such as Makemytrip, Domino's, Pizza Hut and so on.
So to simplify things, it can be said that the ICICI Bank credit cards not only ease the burden of carrying hard cash with you, wherever you go, it also brings in a lot of added benefits in form of customer loyalty. If you are from a metro city like Amritsar, then to experience all the nuances of the ever glowing city life, you must have it .
Best ICICI Bank credit cards in Amritsar
| Different Types of Credit Cards and Types | Joining Fee | Annual Fee |
|---|---|---|
| ICICI Bank™ Platinum Chip Credit Card | 0 | 0.00 |
| ICICI Bank™ HPCL Coral Credit Card | 199 | 199.00 |
| ICICI Bank™ HPCL Coral American Express™ Credit Card | 199 | 199.00 |
| Manchester United ICICI Bank™ Platinum Credit Card | 499 | 499.00 |
| ICICI Bank™ Coral Credit Card | 500 | 500.00 |
| MakeMyTrip ICICI Bank™ Platinum Credit Card | 500 | 0.00 |
| Manchester United ICICI Bank™ Signature Credit Card | 2499 | 2499.00 |
| MakeMyTrip ICICI Bank™ Signature Credit Card | 2500 | 0.00 |
| ICICI Bank™ Rubyx Credit Card | 3000 | 2000.00 |
| ICICI Bank™ Sapphiro Credit Card | 6500 | 3500.00 |
Chqbook Review
The ICICI Bank's Coral Credit Card comes in cheap – at just a Rs. 500 annual fee, you can actually get this back in the first month itself by going for the 1+1 movie offer from BookMyShow™. Not only that, we also like that you can get your points converted to credit into your statement and the free quarterly visit to Domestic Airports and Railway Lounges are an added plus. Go for this card if you like Movies, travel once in a while and like earning points which actually translate to money.
PROS
- We love the 1+1 movie offer from bookmyshow™. It also helps that you can book tickets any day of the week.
- For someone who travels once in a while, the free access to domestic airport lounges with the ICICI Bank Coral Credit Card is a great plus. Also, its one of the few cards to throw in free access at Railway lounges too once in a quarter
- You can redeem your Payback™ points in cash which gets credited to your card account. With each Payback™ point worth ₹0.25, you are going to want to count each point!
- Mark all the HPCL petrol pumps on your map – the ICICI Bank Coral Credit Card allows you to get a 1% fuel surcharge waiver on all fuel transactions below ₹4000. Just make sure the card is swiped on an ICICI Bank swipe machine.
CONS
- The 1+1 movie offer from bookmyshow is on a first come first serve basis. If the quota for the day gets over, it can get frustrating.
Chqbook Review
The ICICI Bank™ HPCL American Express™ Credit Card has the same features as the Visa variant but also packs Domestic Airport lounge access which is missing in the Visa variant. The fee is low and other features are powerful – with 2.5% cashback on fuel purchases and a wiaver of the 1% fuel surcharge at HPCL pumps. The only downside with the Amex version is that it will operate only with American Express™ swipe machines, but the airport lounge access more than makes up for it.
PROS
- This is a great credit card to start out with – the low fee of ₹199 + GST is easily recovered
- We like that you can earn Payback™ points on the credit card. These can be clubbed with other Payback™ points on other cards you might have and used together.
- Getting free movie tickets is always great – ₹100 off each time twice a month is just superb. That's a saving of ₹2400 per year!
- Save a minimum of 15% on your dining bill at participating restaurants through the ICICI Bank Culinary Treats programme.
- You also get 2.5% cashback every time you fill fuel at an HPCL pump for more than ₹500 each time
- Not only that, you also get the 1% surcharge on fuel transactions waived off for a maximum single transaction of ₹4000
- Enrich your travel experience with complimentary access to select lounges at airports in India with your ICICI Bank HPCL Coral American Express® Credit Card. To avail, please present your Card at the lounge reception.
CONS
- The ICICI Bank HPCL Coral American Express® Credit Card does not provide statement credit – a feature we would have loved to see in this economical credit card
Chqbook Review
The ICICI Bank™ HPCL Coral Credit Card is one of the cheapest cards you can get. With a fee of ₹199, and a cashback every time you fill fuel at a HPCL pump, you will recover this small amount very quickly. You also save on the 1% surcharge every time. We think this is one of the best Credit Cards to take if it's your first credit card.
PROS
- This is a great credit card to start out with – the low fee of ₹199 + GST is easily recovered
- We like that you can earn Payback™ points on the credit card. These can be clubbed with other Payback™ points on other cards you might have and used together.
- Getting free movie tickets is always great – ₹100 off each time twice a month is just superb. That's a saving of ₹2400 per year!
- Save a minimum of 15% on your dining bill at participating restaurants through the ICICI Bank Culinary Treats programme.
- You also get 2.5% cashback every time you fill fuel at an HPCL pump for more than ₹500 each time
- Not only that, you also get the 1% surcharge on fuel transactions waived off for a maximum single transaction of ₹4000
- Just ensure you spend ₹50,000 or more annually on your Card and ICICI Bank will reverse your Annual Fee (₹199) for that year.
CONS
- The ICICI Bank HPCL Coral Credit Card does not provide statement credit – a feature we would have loved to see in this economical credit card
Chqbook Review
The ICICI Bank™ Platinum Chip Credit Card is one of the best first credit card you can have. Not only it comes with zero joining fee and annual fee, its got everything going from Reward Points, fuel waiver etc. Go for this card if you are new to credit cards and want to get your feet wet.
PROS
- With no joining fee – it's one of the cheapest cards available and packs great features. Great Value for Money.
- We like that even the ₹199 Joining fee is waived off if your purchases exceed ₹2000 within 60 days of the card setup date and you work at select corporates1
- You get points through Payback – since other cards also use Payback you can actually see all your points adding up from different cards at one place.
- Mark all the HPCL petrol pumps on your map – the ICICI Bank Platinum Chip Credit Card allows you to get a 1% fuel surcharge waiver on all fuel transactions below ₹4000. Just make sure the card is swiped on an ICICI Bank swipe machine.
CONS
- The ICICI Bank Platinum Chip Credit Card does not come with any flight benefits or lounge access.
Chqbook Review
The ICICI Bank™ Rubyx Credit Card stands out for the benefits it gives for the fee it charges. From the get go, you get Welcome vouchers worth ₹5000 upon joining. Apart from that, the free movie tickets of upto ₹300 are an added bonus – this adds up to ₹7200 per year of savings, which itself is more than the annual fees. Ofcourse, this is just the start and the list of rewards is indeed long. Go for this credit card if you love shopping, movies and are looking for value for money.
PROS
- The ICICI Bank Rubyx Credit Card gives you Payback™ points – and they are redeemable for statement credit – a feature we absolutely love
- Another great thing is that each Payback™ point is worth ₹0.25 – which means you know exactly how much you can redeem them for at any point.
- Movie tickets – Free! – get 2 movie tickets each month worth ₹300 per ticket when you buy one ticket and you get the next one as part of this offer. You have to buy the ticket from bookmyshow™
- You save 15% every time you dine at a Culinary Treat participating restaurant. To find the participating restaurants, you can download the app or look up your favourite restaurants on the culinarytreats website.
- 1% fuel surcharge waived off on fuel transactions at any fuel outlet.
- Get 2 complimentary rounds/ lessons of golf every calendar month2 if the total retail spends on your card is equal to or more than ₹50,000 in the previous calendar month.
CONS
- One drawback we noticed is that if you are frequent traveller, 2 free visits to a Domestic Airport lounge may not be enough
- Start playing Golf! – it's a high point for the credit card, but if you are not a golfer, this feature might be lost on you2
Chqbook Review
The ICICI Bank™ Sapphiro Credit Card is one of the best cards for Shopping and Travel. From Statement Credit, to free movie tickets, this card has it all. We also love the DragonPass which allows you to access over 450+ airport lounges worldwide. You also get free access to Domestic Airport lounges 4 times each quarter – more than enough to keep anyone happy. Go for this card if you value points on Shopping, free movie tickets, free golf and access to airport lounges.
PROS
- The ICICI Bank Sapphiro Credit Card gives you more than you can ask for – with free movie tickets, complimentary airport lounge access and much more
- We like that you get 4 complimentary visits to Domestic Airport lounges per quarter – or 12 per year.
- If you enjoy Golf – this card gives you 4 complimentary rounds of Golf at a resort of your choice – every month!
- You will start checking restaurants listed with ICICI Bank after you get this card – with minimum 15% savings across 2500+ restaurants, who wouldn't!
- Did we hear free movie tickets? – get 2 complimentary movie tickets or event tickets worth ₹500 through bookmyshow™ every month!
- We always love statement credit – you can convert your PAYBACK™ points into cash by simply calling the ICICI Bank call center and redeeming them
CONS
- If we could fault something – it would be the lesser points on Fuel spends – 1 PAYBACK™ point for every ₹100 spent while for other spends you get 2 PAYBACK™ points for every ₹100 spent
Chqbook Review
The MakeMyTrip ICICI Bank™ Platinum Credit Card comes in cheap – at just a joining fee of ₹500, you can actually get this back in the first 2 months itself by going for the 1+1 movie offer from BookMyShow™. Not only that, this credit card comes with ₹500 My Cash (MakeMyTrip Wallet) and Lemon Tree Hotels voucher along with free access to domestic airport lounges. Go for this card if you like Movies or travel
PROS
- The MakeMyTrip™ ICICI Bank Platinum Credit Card is a no aanual fee card.
- Free access to Domestic Airport lounges in India is a great benefit and these lounges are great to relax and unwind before a flight
- You can save upto ₹6,000 with the BookMyShow™ Buy 1 Get 1 offer, on first come, first-serve basis
- 1% fuel surcharge waiver can be availed on fuel transactions at HPCL pumps
- Save a minimum of 15% on your dining bill at participating restaurants through the ICICI Bank Culinary Treats programme
CONS
- The MakeMyTrip™ ICICI Bank Platinum Credit Card does not provide much of reward points on shopping –Œ a feature we would have loved to see in this economical credit card
Chqbook Review
The MakeMyTrip ICICI Bank™ Signature Credit Card is a card to go for if you love movies and travel. You can save upto ₹7200 on your movie tickets annually. In addition, you receive ₹4 My cash for every ₹200 spent through this card, redeemable against flights and hotel bookings through MakeMyTrip™. Lounge access, spa session, free ola ride etc help you save upto ₹7200 annually. It's amazing
PROS
- The MakeMyTrip™ ICICI Bank Signature Credit Card comes with a no annual fee. It's amazing
- Free access to Domestic Airport lounges in India is a great benefit and these lounges are great to relax and unwind before a flight
- Get relaxed with free railway lounge access and energize before the start of your journey
- Now be in touch with your friends & family while you are travelling outside of India with a 10-day Airtel international roaming pack worth up to ₹3,999
- Enhance your travel experience with a complimentary airport lounge access outside of India per calendar year
- Love to have a spa session in domestic airports in India? Get 1 per calendar year in domestic airports.
- You can save upto ₹7,200 with the BookMyShow Buy 1 Get 1 offer, on first come, first-serve basis
- 1% fuel surcharge waiver can be availed on fuel transactions at HPCL pumps
- Save a minimum of 15% on your dining bill at participating restaurants through the ICICI Bank Culinary Treats programme.íë_
- Get a complimentary MMTDOUBLEBLACK membership worth ₹1,499 and enjoy free flights and no fees on hotel cancellations
- Get every sixth ride complimentary with Ola
CONS
- The MakeMyTrip™ ICICI Bank Signature Credit Card does not provide much of reward points on shopping – a feature we would have loved to see in this economical credit card
Chqbook Review
With an annual fee of ₹499, Manchester United ICICI Bank™ Platinum Credit Card is one of the most economical card available. This card comes with a 1+1 movie offers through BookMyShow™, dining discounts and exclusive Manchester United merchandise discounts. Complementary airport lounge access is a plus. Top spenders will receive an exclusively fully paid Manchester United Experience with a private tour of stadium and museum in Stretford, England and get a chance to watch the stars train
PROS
- The Manchester United ICICI Bank Platinum Credit Card brings you exclusive offers on Manchester United merchandise online/ at stores
- Get a Manchester United branded football on min transaction of ₹1000/month in the first quarter from the date of card issued
- Get 10% discount on merchandise from the Manchester United online store and associated partners in India
- Get buy 1 Get 1 offer, on first come, first-serve basis at BookMyShow™ website or app
- Save a minimum of 15% on your dining bill at over 2500 participating restaurants through the ICICI Bank Culinary Treats programme
- 1% fuel surcharge waiver valid on maximum spends of ₹4000 per transaction at all HPCL fuel pumps when the card is swiped on the ICICI Merchant Services swipe machines
- Enhance your travel experience with 1 complimentary airport lounge visits in India per quarter
- Top most spender every month, across cardholders from both variants, gets a signed Manchester United jersey* and match ticket
- Top 70 spenders, across cardholders, will get Manchester United branded shirt every month
- Top 18 spenders will receive an exclusively fully paid "Manchester United Experienceäóì with a private tour of stadium and museum in Stretford, England, chance to watch a part of a training session of the First Team Squad and a visit to Manchester United megastore
- Get upto 2 free movie ticktets as 1+1 offer on booking tickets online at www.inoxmovies.com, Inox app or visit the Inox box office
CONS
Chqbook Review
Live your passion! If you are fan of Manchester United or any other Football Premier league team, then Manchester United ICICI Bank™ Signature Credit Card is a must to have. This card comes with a loads of freebies and discount on exclusive merchandises. Top spenders get an exclusive Manchester United experience with a tour to stadium and museum in Stretford, England, along with quarterly lounge access
PROS
- The Manchester United ICICI Bank Signature Credit Card brings you exclusive offers on Manchester United merchandise online/ at stores
- Get a Manchester United branded Holdall and Football on joining
- Get 10% discount on merchandise from the Manchester United online store and associated partners in India
- You can save upto ₹7,200 with the BookMyShow Buy 1 Get 1 offer, on first come, first-serve basis
- Save a minimum of 15% on your dining bill at over 2500 participating restaurants through the ICICI Bank Culinary Treats programme
- 1% fuel surcharge waiver valid on maximum spends of ₹4000 per transaction at all HPCL fuel pumps when the card is swiped on the ICICI Merchant Services swipe machines
- Enhance your travel experience with 2 complimentary airport lounge visits in India per quarter
- Top most spender every month, across cardholders from both variants, gets a signed Manchester United jersey* and match ticket
- Top 70 spenders, across cardholders, will get Manchester United branded shirt every month
- Top 18 spenders will receive an exclusively fully paid "Manchester United Experienceäóì with a private tour of stadium and museum in Stretford, England, chance to watch a part of a training session of the First Team Squad and a visit to Manchester United megastore
- Get upto 2 free movie tickets as 1+1 offer on booking tickets online at www.inoxmovies.com, Inox app or visit the Inox box office
