The world would have been a very different place had it not been for the existences of credit cards and ICICI credit cards have certainly made the joy of buying more fruitful and rewarding. In fact, ICICI was one of the first few banks that, since the liberalization of the Indian economy, had advertised amazing ICICI credit card offers, which caught the imagination of a middle class for whom a new world of prosperity and purchasing power seemed like a reality for the first time. It could be said that ICICI was the vanguard who popularized the utility and use of credit cards in India, and without their intervention perhaps there would have been no incentive for the credit card industry
In this article, we shall have a look at exactly why owning an ICICI credit card is the best thing for you, and how it could potentially benefit a potential credit card owner. Therefore, we will necessarily have a glance at its features and benefits as well as the ways in which you could apply for one, and ICICI credit card types that are available in the market. But before we could proceed to these discussions, perhaps it would be very relevant to look at why you should choose an ICICI credit card in the first place.
While choosing any type of credit card, you have to keep in mind the kind of lifestyle that you lead and the consequent expenditures incurred there from. As far as ICICI credit cards are concerned, as we have noted, they have been the pioneers when it came to popularizing the very concept of credit cards to an ever growing middle class, in the decade following the liberalization of the Indian economy. Considering such an illustrious history, it is pretty obvious that when you would opt for an ICICI credit card, you would be interacting with an organization that has an experience of the credit card market as well as serving thousands of people regarding their credit cards. Still having a certain amount of reasonable doubt is natural for any consumer and thus, we are here to assist you in traversing this journey on learning more about how to make the most out of your experience, by providing ICICI credit card details at your very fingertips.
Before going into actually talking about what awaits you when it comes to physically owning an ICICI credit card, it is important to understand the various ways in which you can apply for it. In the next two sections, we would talk briefly on the two principal methods by which you can apply for a ICICI credit card along with their respective merits and disadvantages, so as to guide you in making the best choice for yourself by considering your convenience and ease of mind. Therefore, we will first analyze what are the nuances involved in applying for an ICICI credit card offline.
When it comes to applying offline, it used to be the dominant method of application before the Internet emerged. The applicant had to physically visit the bank branch from whence they wished to get the credit card from. In many ways, this was an advantage as it necessarily added a humanistic element to a process that otherwise is full of formalities and documentation, and it strengthened the bond between the customer and the bank officials stationed at the branch. Furthermore, this method of application enabled the bank to actually check the documents provided by the applicant, minimizing any chance at fraud or illegally assuming the identity of somebody else. And, although almost every bank has moved towards the online realm of application submissions, all of them also maintain the offline procedure partly because it is convenient for many people and partly because many customers still remain technologically illiterate.
However, this method is not without its share of serious disadvantages. As we have noticed, one has to physically visit the bank in order to submit the necessary documents, along with the form in tow. This immensely insolvencies the customer, as they need to reschedule more pressing engagements, even postponing them. Also, this lengthens the period between the application process and the actual possession of the credit card itself.
Since these are the realities one has to contend with when applying for an ICICI credit card offline, let us look at the other side of the story that has been made possible thanks to the advent of the Internet.
Now that we have taken a look at how the offline method of applying for a ICICI credit card goes, it is time we examine how you can get ICICI credit cards online. Thanks to the advent of the Internet, the very need of going to the bank to get your credit card has become obsolete. Presently, you can apply from the comfort of your home, on the go. In this regard, banks
The first approach involves directly logging into the official website of ICICI. The steps are really easy. Choose from the many ICICI credit card types available and then click the apply button. A prescribed form will appear, which you need to fill up; sometimes you would be required to provide scanned copies of the relevant documents. Then you need only wait for getting the credit card.
The second approach is somewhat more direct than the first. This involves directly writing an email to ICICI Bank's email address and attaching the relevant documents scanned copies. This approach can be undertaken only if you are a long term customer of the bank and if you possess the bank's email address.
The third approach relies on visiting one of the many financial websites that have sprung up all around the Internet, and applying for a credit card from there. In many cases, you have a wider array of credit cards to choose from and you are provided with all the information that is necessary for you to make the most suitable choice.
The main advantage of the online method lies in its convenience and convenience. You do not need to leave the comfort of your home while you get to have all the advantages of being able to actually apply for your ICICI credit card. You can pay more attention to engagements that require more attention and dedication. Besides, your credit card will be delivered to you to your home itself.
However, the disadvantages to this method are associated with the risks one usually encounters in the Internet. Any information that you provide online is liable to be stolen by malicious elements if the connection is not secure. Then, there is the ever present risk of phishing, whereby some hackers can impersonate the identity of a website and can attempt to get all the sensitive information from you.
To this end, banks like ICICI have taken stringent measures that can be used to combat these malpractices. For example, most connections to the bank's servers are secure and a large number of security protocols and firewalls prevent the entry of malevolent persons. In addition, advisories against hacking methods like phishing are provided from time to time in order to keep the customer updated and aware.
As we have noted above, the third method of getting your ICICI credit card online involves logging into any one of the thousands of financial websites and through them, applying for one. When there are a huge number of such websites available, it would seem to be pretty difficult in getting to decide which website you could possibly choose. Therefore, in such a case, it would seem difficult to find a trustworthy source of information; however, if you visit us at Chqbook, we can guarantee that we have more than one reason to be the one stop for all of your ICICI credit card requirements. Still wondering why? Here is the complete list of advantages you could get out of using Chqbook:
Our website can proudly boast of a seamless navigation system that makes it easier for you to easily navigate your way to the section that deals with credit cards and for their online application. Now it isn't that difficult to access exciting ICICI credit card offers.
The user interface has been so designed that it maintains a simplistic, uncomplicated look. This has been done while keeping in mind the notion that even a common man should find it convenient to apply for a credit card via Chqbook.
Perhaps one of the biggest advantages of using our websites is that while you are browsing through the various ICICI credit card types, you can actually get to compare between two or more cards with all the relevant information being provided at your fingertips. By comparing all the available data, you possess the power to select the ability to select the kind of card that is best suited for you and your lifestyle.
The steps that are involved in applying for a credit card in Chqbook are very simple and easy to remember. We continue to strive to make the application process faster, simpler and easily accomplishable.
Probably, the most important aspect of applying for an ICICI credit card through Chqbook lies in the fact that you can avail all the necessary news and updates not only from the world of credit cards, but also from the larger picture of the Indian fiscal market. Armed with all these information, as a customer, you can make an intelligent decision on buying the most appropriate credit card.
The above factors irrevocably point out to the superiority of Chqbook over the other financial websites you might encounter on the Internet. Our website has been certified safe and one of our strongest efforts is directed towards ensuring that this security is never breached in any way. We make certain that anyone visiting us reaps the most benefits out of it, with a sense of safety and security firmly entrenched in their minds.
Having finally discussed at length as to how you can get an ICICI credit card online, let us look at the various features and benefits that are common to all the ICICI credit card types, regardless of the specific set of qualities that make each card unique and individually branded. In this regard, we highly recommend that you should apply for a credit card through our website since we cover every type of credit card broadly.
As we have mentioned at the closure of the foregone section, there are a certain set of features and benefits that are common to every kind of ICICI credit cards regardless whether or not each, individual card has their own specific qualities which separate them from the rest. Knowing about this is important so that you can get to know about the types of services you could expect out of your card, irrespective of their function and speciality. Therefore, in this section, we shall deal with these mutual features and benefits and briefly elucidate them to explain them better. The following are the list of common features:
All the available ICICI credit card types can be used both inside and outside of the territory of India. They can be used at any retail store on the globe. This is particularly convenient when you are contemplating on a plan of international travel. So now, you can carry your card and use it anywhere, everywhere.
With ICICI credit cards comes the feature of balance transfer. Whenever you buy a new credit card, you can transfer the outstanding balance on the credit card to another credit card of another bank.
You can use your ICICI credit card to pay your utility bills and frequently incurring expenses. You can either physically swap your credit card or use the Internet to pay off your expenses online, such as electricity bills and the like. Not only this, the bank can also provide SMS reminders regarding the payment dates and information on the available balance after all the transactions have been deemed to be completed.
Most ICICI credit cards have either a joining fee or an annual fee. A joining fee is nothing more than a specified amount a new cardholder needs to pay when they earn the possession of their credit card. In the event of a card not having a joining fee, the cardholder is liable to pay an annual sum for the yearly renewal of their card. This is called an annual fee. Sometimes, banks may declare certain cards to be exempt from any kind of fee, which are deemed to be free for the card owner
If the credit card has been involved in any fraudulent transaction, the cardholder can claim liability coverage from the bank itself, provided that the incidence of such a transaction has been duly reported to the bank authorities.
The most observed feature of any credit card, especially ICICI credit cards, is the card owner's ability to access ATMs and withdraw money from them. The bank usually charges a small fee for offering this service, but this is a very utilitarian feature which can be very useful.
A cardholder can pay their credit card bills through any method, be it online or offline. Offline methods can include NEFT, cheques, et cetera.
Since we have looked at the common set of features, it would be now relevant to talk about all the benefits that are common between all the ICICI credit cards that are available. The list of benefits is as follows:
Reward points are a benefit that is associated with all ICICI credit card types. Reward points are basically points that accrue on the spending of a certain amount while using the credit card. The amount of points one gains and the amounts at which such points are awarded tend to be fixed for each card and they are arbitrated by the bank. These points can be redeemed for gifts, vouchers, discounts, et cetera.
Often, cards will present the benefit of a certain amount of cashback on spending a set, pre-determined amount. The amount of money earned as cashback and the spent amount at which such a cashback is granted is decided by the bank.
Travelling credit cards by ICICI, which come in handy for serving the user's travel expenses, usually come with a benefit of travel insurance. Under this, the traveller is insured in the case of any accident or death, and their dependents remain financially safe.
In the event of travelling via road, your bank can cover the expenses incurred on fuel if they have been paid by using a credit card. This is called a fuel surcharge waiver. This benefit is available at all Indian petrol pumps.
Finally, if you already have an ICICI credit card in your possession, you have the benefit for applying for add-on cards for your immediate family members. The main advantage of this benefit is that all the features that you enjoy on your primary card can be availed on the add-on cards as well.
Hence, these are the various features and benefits that are common to all the ICICI credit cards you might find when you are hunting for the one that is suitable for you. However, as always, there are more specific features and benefits that are unique to each card but they can be easily compared in order to arrive at a more definitive decision regarding what kind of card you would want to own. It is crucial that you contemplate on these for sometime as you would need to use your card continuously, in order to enjoy the advantages it has to offer.
Regarding eligibility, a lot of factors are considered while sanctioning a credit card to an applicant. However, there are two decisive factors that decide whether or not a person would get to have a credit card. These factors are age and the amount of annual income. As far as age is concerned, in India, a person needs to be at least eighteen years old to legally own and use a credit card. So anyone who is eighteen or above can legally own a credit card. The second decisive factor is the amount of annual income, since this determines the kind of lifestyle the potential cardholder would engage in and the kind of expenses to be expected. In is on these bases that the bank can accept or reject applications.
In the realm of documents, things are relatively simpler here, or it has been so in recent years. Ordinarily, the documents that are required to be submitted for scrutiny are proof of identity, proof of address or residence, and proof of income. Before the inauguration of the Aadhar Card, different sets of documents were the norm for establishing identity and place of residence, but since then, the Aadhar Card has vastly simplified the entire process as it combines a person
|Different Types of ICICI Bank® Credit Cards and Types||Joining Fee||Annual Fee|
|Jet Airways ICICI Bank™ Rubyx Visa Credit Card||2500||2500.00|
|Jet Airways ICICI Bank™ Sapphiro Visa Credit Card||5000||5000.00|
|ICICI Bank™ HPCL Coral Credit Card||199||199.00|
|Jet Airways ICICI Bank™ Rubyx American Express™ Credit Card||2500||2500.00|
|Jet Airways ICICI Bank™ Coral American Express™ Credit Card||1250||1250.00|
|Jet Airways ICICI Bank™ Sapphiro Amex™ Credit Card||5000||5000.00|
|ICICI Bank™ HPCL Coral American Express™ Credit Card||199||199.00|
|ICICI Bank™ Ferrari™ Signature Credit Card||3999||3999.00|
|ICICI Bank™ Coral Credit Card||500||500.00|
|ICICI Bank™ Platinum Chip Credit Card||0||99.00|
|ICICI Bank™ Rubyx Credit Card||3000||2000.00|
|ICICI Bank™ Sapphiro Credit Card||6500||3500.00|
|Jet Airways ICICI Bank™ Coral Visa Credit Card||1250||1250.00|
|ICICI Bank™ Ferrari™ Platinum Credit Card||499||499.00|
ICICI, being the first bank to popularize the concept of credit cards to the masses post-liberalization, has created a wide array of credit cards that are dedicated to serve specific functions and specific roles, depending on the type of expenditure and lifestyle of its user. So whether someone is a salaried employee or top-notch tycoon, there is an ICICI credit card for everyone here! Therefore, in this section, we list the various ICICI credit card types that are currently available, along with their individual features and benefits:
ICICI Black Platinum Chip Credit Card: A lifestyle card, it has the following features: it contains a 15% savings on dining expenses as well as 1% fuel surcharge waiver.
Jet Airways ICICI Coral Credit Card: This is a co-branded credit card that cardholders can use to avail benefits when flying on Jet Airways. Its list of benefits include: a welcome fee of 2,500 JPMiles and a renewal reward of 1,250 JPMiles. It has a joining fee 1,250 rupees (exclusive of GST). JPMiles are earned differently for different variants of the card; for the American Express variant it is 3 JPMiles per 100 rupees while on the Visa variant, it is 2 JPMiles per 100 rupees. The rate of earning is doubled if flights are booked from Jet Airlines
Jet Airways ICICI Rubyx Credit Card: Another co-branded card that is in association with Jet Airways, it boasts of the following benefits and features: a welcome benefit of 5,000 JPMiles plus a complimentary Jet Airways ticket code and a renewal benefit of 2,500 JPMiles plus a complimentary ticket code. The joining fee is 2,500 rupees (exclusive of GST). The rate of earning reward points vary over the American Express and Visa variants of the card; for domestic flights, the reward points are 4 and 3 JPMiles, respectively, per 100 rupees. On international flights, this becomes 5 and 4 for the respective variants. The rate of earning doubles if flights are booked from the airline
ICICI HPCL Coral Credit Card: Enjoy a 100 rupee discount on two movie tickets every month if it had been purchased at BookMyShow, a reduction of fuel bills with a 2.5% cashback , a discount of 200 rupees every month on movie tickets and an annual fee of 200 rupees, which is subject to be waived off if spends cross 50,000 rupees in the previous year).
ICICI Bank Coral Credit Card: Twice the amount on cash rewards on dining, groceries and at supermarkets, complimentary Provogue tie on joining, one complimentary domestic airport lounge visit per quarter, two complimentary movies per month and a minimum of 15% off on dining bills at over 2,500 restaurants across India.
Doubts are a very normal occurance in the functioning of the human mind. Even with the most detailed exposition, doubting can be a very natural thing. In fact, it is healthy to have doubts since it allows a person to better grasp the situation at hand and properly understand it on their own terms. As far as credit cards are concerned, having questions or doubts regarding their use, benefits and features is pretty obvious since they cover almost every aspect of our professional and commercial lives
As for the questions themselves, they can vary in scope and topic. From as mundane as the length of the grace period to the calculation of the rate of interest and how the recent introduction of GST has affected its services and the costs involved. At times, questions can be very specific and may involve the concerned credit card itself, as to what implications and consequences would its use (and potential abuse) might bring. This is important because each credit card is an individual unit, loaded with specific features that help the concerned user to reap the most out of its use while maintaining their preferred choice of lifestyle at the same time. Knowing about these nuanced details can lead to the efficient use of the credit card at very less inconvenience and it would actually enable the customer to be at a more financially advantageous position than the rest, lest if the efficient use of the credit card is not only ensured but also maintained throughout the years.
To conclude, we have seen the various aspects that are there to see in an ICICI credit card. We have seen how to apply for it by both offline and online methods, along with their respective merits and cons. We have examined the common features and benefits of all ICICI credit card types and we have seen what someone requires, in terms of eligibility and documentary proof, for getting a credit card. We have looked at the various credit cards ICICI has to offer and their specific features and benefits that are available with them. Finally, we have seen the kind of frequently asked questions one encounters regarding ICICI