Icici Credit Cards With Their Features Explained

by : Alok Sharma

ICICI Bank is the largest issuer of credit cards in India. Bank offers a wide range of credit cards to offer you flexibility and convenience in managing your finances. ICICI Bank credit cards come with a host of offers and benefits designed to suit different needs and requirements of different section of people. ICICI credit cards are widely accepted both in India and abroad.

Bank offers following common features on its cards:

  • Add on Card

  • Auto debit facility

  • Internet banking

  • Email statement / Mobile alerts

  • Balance Transfer facility

  • Dial-a-draft

  • EMI on call

  • Cash advance

  • Rewards Program

  • Global Emergency Assistance Service

  • Photo card option

ICICI Bank has designed a range of cards to choose from for specific purposes:

Premium Cards - The Premium credit card category is basically a lifestyle card having special holiday and travel packages complimenting to the lifestyle of the elite section of society. This category includes Visa Signature card, Platinum identity, Platinum credit card, Ascent American Express card, Titanium credit card, Thomas cook Titanium credit card and Gold American Express card. These cards have high credit and cash limit along with air miles, exclusive reward points on shopping and traveling, i-assist: 24x7 personal concierge services, free membership offer of the Indian Golf Union along with special Golfing benefits.

Co-branded Card - ICICI Bank has a very wide range of Co-branded cards as compare to other banks. Co-branded card is- two major brands join to increase the usefulness and image of the product. From a wide range of ICICI bank co-branded card you get discounts offers given by the bank and reward schemes with a number of redemption options along with discounts at specific outlets on using the card, free merchandise, frequent buyer program similar to frequent flyer points.

Classic Card - Under this category ICICI bank offers 4 cards -

* ICICI Bank Sterling Silver Credit Card
* ICICI Bank - American Express Green Credit Card
* ICICI Bank Visa Mini Card
* ICICI Bank Online Credit Card

Affinity Card - ICICI Bank Affinity credit cards are basically cards in tie-up with professional institutes, educational institutes and centres like ISB, Kidzee, XLRI, Pride, IIMA and HelpAge India centre. In this category you get the option Contribute your Reward Points to your institute.

EMI Card - Using the EMI card you can purchase throughout the year and pay only fixed EMIs every month. Every transaction on EMI card gets converted into easy monthly EMI.

Preferred Card - Preferred card offers Fuel surcharge waiver on fuel spends at select HPCL pumps.

Picture Card - Picture card gives an option to you to put your or family photo on your credit card.

Value for Money Card - Value for Money Credit Card is one its kind in India.

Corporate Card - ICICI Bank Corporate Card has been designed to manage your company's and employee's business expenses.

Thus ICICI credit card helps you to shop in a smart way and provide convenience in managing your finances.