Credit Card

Standard-size plastic token, with a magnetic stripe that holds a machine readable code. Credit cards are a convenient substitute for cash or check, and an essential component of electronic commerce and internet commerce. Credit card holders (who may pay annual service charges) draw on a credit limit approved by the card-issuer such as a bank, store, or service provider (an airline, for example). Cardholders normally must pay for credit card purchases within 30 days of purchase to avoid interest and/or penalties.

Store Credit Cards :-Store credit cards are intended to promote customer loyalty. Approval for store cards may be easier to obtain than major credit cards. However, many store cards can only be used for purchases from the retailer that issued the card. As incentives, retailers often offer their cardholders special discounts or advance notice of promotions or sales.

Secured Cards :-For consumers with damaged credit, a secured card can provide a way to make online purchases and eliminate the need to carry cash. These cards usually require the applicant to put up a deposit of a few hundred dollars. The amount of the deposit may serve as the initial credit limit. If the cardholder uses the card responsibly, he might be able to upgrade to a regular credit card in the future. Most secured cards report payments and purchase activity to the major credit agencies, which can help the cardholder rebuild his credit.

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Credit Card - Features

Assured, free Card

You get an assured Card at Zero Annual Fee if you have a valid Fixed Deposit; no income documents are required.

Internationally valid

Global Emergency Assistance and Card replacement service available.

Minimum 15% savings on dining

Enjoy delicious treats at minimum 15% savings at over 800 leading restaurants across 10 cities in India courtesy Culinary Treats, our premier dining program

Savings on Fuel Purchases

1% fuel surcharge waiver can be availed on fuel transaction of maximum ? 4,000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines.

VISA Offers on Dining, Wellness and Hotels

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Low interest rate

Earn interest on your Fixed Deposit and use the Instant Card to manage your day to day liquidity. The Card is available at a low interest rate of just 2.49% per month. If you make full payment against outstanding, no interest is charged on your Card. Interest is charged only if you chose to make part/ no payments on your Card.

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Credit Card - Eligibility

The eligibility criteria for credit cards differ based on the cards you are applying for and the banks providing it.

You should be atleast 18 years of age to be eligible to apply for a credit card.

Most banks offer credit card up to the age of 65 years.

If the applicant is salaried, then annual salary must be atleast 2 lakhs and if self employed, earning must be atleast 1.5 lakhs

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