The ICICI Company is founded in India. It operates over two thousand branches in its country of origin. However, it has already branched out into many international branches for its expansion program. And the ICICI bank and its credit card subsidiaries are now found in several countries.
The Indian Bank’s Credit Card Company had demonstrated a big progress in the credit card market. In India, it ranks first in the number of cardholders. The popularity of the ICICI credit bank offers could be the main reason for its increasing client base. Among these ICICI credit card offers is the flexibility in handling your account. Added to this is convenience of its use.
The ICICI has a plethora of different collection of cards. Aside from the gemstone, airline and fuel collection, there are more other kinds of ICICI credit cards. Widely accepted in India and in many countries worldwide, the ICICI Visa and Master cards can further be categorized as classic and premium or preferred.
ICICI credit card offers common card features
You know that the Credit Card Company of ICICI Bank of India offers many different cards. They can have varied features. However, ICICI credit card offers common features for all kinds of cards. Every ICICI credit card offers internet banking where you can check your account status online. You also receive email statements. There is the auto debit and balance transfer facilities. It makes use of the services of cellular phones such that any credit card under the umbrella of the ICICI Bank sends mobile alerts. You can also make cash advance with the card and the amount is dependent on your card’s credit limit. All cards are entitled to the rewards program of the company where every amount spent using the card earns reward points.
The credit cards can be used internationally and it provides worldwide emergency service to its cardholders. If you want your card to be personalized, you have the photo card option where your photograph can be placed in the card.
ICICI credit card offers from premium cards
These cards come in a plethora of designs and kinds and you can choose one that suits your specific purpose. Generally, there are premium or preferred cards and classic cards.
The ICICI Premium credit cards are special cards which are considered as lifestyle cards. The Premium ICICI credit card offers, aside from the common benefits and features, include special vacation or travel packages that are fitted to the lifestyle of the elite cardholders. There are many ICICI credit cards that fall under this category. You have Visa Signature Card, Gold American Express Card, Thomas Cook Titanium Credit Card, Platinum Credit Card and others. Being granted the premium card, the ICICI credit card offers high credit limit, exclusive rewards points, higher cash advance and concierge services. Only valued clients of the bank are issued the premium type.
ICICI credit card offers from classic card
ICICI credit card offers four kinds of classic card. These are the following:
• American Express Green Credit Card
• Sterling Silver Credit Card
• Visa Mini Card
• Online Credit Card
Although these four cards are all categorized as classic card, they have different special benefits. One difference is the number of rewards points accruing on a certain amount charged to the card. Some of these classic ICICI credit card offers cover payback points, fuel service surcharge waiver or discounts and personal accident insurance.
The Bank may offer many different kinds of premium and classic cards. But then, you have to satisfy the requirements before you can be a cardholder. ICICI credit card offers many benefits but you have to be 23 years old and employed or self-employed. You should have a source of income – an insurance that card usage can be paid.