icici cards

7/28/2019 Icici Cards

1/4

ICICI Bank Credit Cards

Eligibility Criteria

Cards Eligibility Criteria

Salaried Self Employed

Amway / Big Bazaar / BPL

Mobile / HPCL Silver /

Mini / Pru Life / Sterling

Silver / Trinethra / True Blue

/ True Value / Affinity / Cash

card -silver

Rs. 60,000/- p.a. Rs. 50,000/- p.a.

Solid Gold / HPCL Gold /

Affinity Gold / Cash Card

-Gold

Rs. 1,20,000/- p.a. Rs. 1,00,000/- p.a.

American Express Green Rs. 1,20,000/- p.a. Rs. 1,20,000/- p.a.

American Express Gold Rs. 3,00,000/- p.a. Rs. 3,00,000/- p.a.

EMI Card* Rs. 1,20,000/- p.a. -

# Applicable on Minimum Amount Due subject to minimum of Rs. 250/- and maximum of Rs.500/-.

*Self Employeed-Other Bank Card documents/Specific Club memberships required for the EMI

card

Age Criteria

Minimum Age Maximum Age*

Salaried 21 58

Retired N/A 65

Self Employed 21 65

*65 years in all 3 categories for the EMI card

Applicable Fees and Charges


2/4

ICICI Bank Credit CardsFinance charges on extended credit

0.99% (monthly) 12.55% (Annually) for Easy Deposit Card

2.75% (monthly), 33% (Annually) for Visa Signature Credit

Card

1.49% (monthly) 19.42%(Annually) for Preferred Gold Card -

for first 6 months, thereafter 2.95% (Monthly) 41.75%

(Annually)

1.49% (monthly) 19.42%(Annually) for Preferred Gold Card -

for first 6 months, thereafter 3.15% (Monthly) 45.09%(Annually) (w.e.f. July 1, 2007)**

1.69%(monthly) 22.28% (Annually) for Preferred Silver Card -


(Annually)

1.69%(monthly) 22.28% (Annually) for Preferred Silver Card -


(Annually) (w.e.f. July 1, 2007)**

1.75% (monthly) 23.14% (Annually) for Spouse Card

1.99% (monthly) 26.7% (Annually) for Home Card

2.49% (monthly) 34.33% (Annually) for Pvt. Banking

2.95% (Monthly) 41.75% (Annually) for all other cards

3.15% (Monthly) 45.09% (Annually) for all other cards (w.e.f.

July 1, 2007)**

0% (with Annual fee) /1.49%/1.99% (monthly) for EMI Card.

applicable from the day of transaction.

2.95% (Monthly), 41.75% (Annually) for Platinum Premiere

Credit Card.

1.99% (Monthly), 26.68% (Annually) for Platinum Card

1.99%(Monthly) for Cash Card

Cash Advance - Transaction fees

2.5% on advanced amount, subject to a minimum of Rs. 300.2.5% on advanced amount, subject to a minimum of Rs. 300.

for Visa Signature Card.

2.99% on advanced amount, subject to a minimum of Rs.299 on EMI Card. On Easy Deposit Card - Nil for ICICIBank ATM withdrawals

Balance Enquiry Fees/Non

ICICI ATM Access Charges

Rs. 30 (For Visa Signature Card)

Joining Fee Rs. 25000 (For ICICI Bank Visa Signature Credit

Card)

*Minimum Ticket Size Rs 1000

Finance charges on cash advances 2.75% (Monthly), 33% (Annually) for VISA Signature Card.

2.95% (Monthly) 41.75% (Annually)3.15% (Monthly) 45.09% (Annually) (w.e.f. July 1, 2007)**

0% (with Annual fee) /1.49%/1.99% (monthly) for EMICard.(as per applicable Finance Charges on Retailtransaction)

Late Payment Charges 30% of min. Amount outstanding (subject to min. of Rs. 300

and max. of Rs. 600).

30% of min. Amount outstanding (subject to min. of Rs. 300

and max. of Rs. 600) for Visa Signature Card.

30% of min. Amount outstanding (subject to min. of Rs. 350


3/4

ICICI Bank Credit Cards* Applicable for EMI Card only.

** - The rate of interest is initially 3.15% p.m. (45.09% annualized), effective July 1, 2007. The

applicable rate of interest for you will depend on your card usage pattern and payment record

and is subject to periodic review. It may increase up to a maximum of 3.49% p.m. (50.93%

annualized) in case of default.

- The rate of interest may go as low as 1.25% p.m. (16.08% annualized) depending on factors

such as, but not limited to, credit history, purchase patterns, payment behavior, loyalty and

month-on-book.

- Finance charges on extended credit and cash advances for all transactions done before July 1,

2007 will continue to attract the current rate of interest till fully paid.

Documents Required

For Salaried (any one) Public Ltd / MNC / Govt:Pay slip / Salary Certificate / Income Tax Returns / Form 16

Proprietorship / Partnership / Pvt. Ltd.:Pay slip / Income Tax Returns / Form 16

Self Employed Income Tax Returns

Other Bank Card Documents/Specific Club memberships required for the EMI

card

If you are holding any Other Credit Card for last six months.

Please attach the following documents:

For Salaried and Self Employed:

Photocopy of your latest Credit Card Statement

Photocopy of your Credit Card Front

Balance Transfer To avail of Balance Transfer facility, you must enclose a copy of your last Credit Card Statement

of your Credit Card.

To be eligible for the program the minimum amount that can be transferred from any other

Credit Card account (other than ICICI Bank Credit Card Account ) to ICICI Bank Credit

Card is Rs, 2,000/-.

USEFUL INFORMATION:

1 In case a cheque sent by you is not honoured, or must be returned because it

cannot be processed for any reason, a fee of Rs. 250 per cheque will be charged.

Such instances may also adversely impact your credit standing.2 All contents of this statement shall be deemed to be correct and accepted by you, unless within 30

days of the date of This statement you inform us of any discrepancies, and these are found to be

true by us. On receipt of Such information, We may reverse the charges on a temporary basis. If

on completion of subsequent investigation, we are satisfied that the liability of such charge is to

your account, we will re-instate the charge in a subsequent statement.

3 For any statement-related query, please call the Customer Care Centre in your city.

4 All charges are subject to change without prior notice at the sole discretion of ICICI Bank.

5 Please ensure that you use the card overseas strictly in accordance with RBI regulationspertaining to overseas spending, as prevailing from time to time. The Card is not valid for

payments in foreign exchange at merchant location in Nepal and Bhutan.


4/4

ICICI Bank Credit Cards

Please note that you are individually liable for compliance with the RBI

regulations on foreign exchange.