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.
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.
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 Delhi/NCR, on a vacation in Paris can use their visa credit card to buy stuffs from Paris, without even changing their money into local currency.
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 Delhi/NCR, then to experience all the nuances of the ever glowing city life, you must have it .
|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|
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.
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.
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.
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.
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.
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.
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
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
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
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