Instant Gold Credit Card : ICICI Bank : Rupee Times

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CREDIT CARD DETAIL

ICICI Bank Instant Gold Credit Card

Card Highlights

Card Class	Gold (Issued against Fixed Deposit)
Card Type
Issuer	ICICI Bank
Offered Type	VISA
Rewards

Main Features

This credit card is issued against fixed deposit. Low interest charges are applicable on the card and it comes with a interest rate free period of upto 48 days. On every Rs. 100 spent from the card customer will earn i PAYBACK point. These reward points can be redeemed at www.paypack.in. Card holder can avail fuel surcharge waiver at select HPCL petro pumps. Bank provides Global Emergency Assistance Service to the customer with this card. Card holder can also avail facilities like internet banking, mobile alerts and email statements to get information.

Credit Card Rates

Purchases:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	0% per month

Balance Transfers:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	0% per month

Fees & charges

Joining Fee	NIL
Annual Fee	NIL
Add On Card Fee	NIL
Cash Advance Transaction Fee	2.50% on advanced amount, subject to a minimum of Rs.300
Finance charges on cash advances /extended credit	Monthly rate - 2.49% Annual rate - 29.88%
Late Payment	30% of Minimum Amount Due (subject to a minimum of Rs.400 and a maximum of Rs.700#)
Free Credit Period	Up to 48 days
Over Limit Charges	2.50% on the over-limit amount (subject to a minimum of Rs.500))
Cheque Pickup Fee	Rs 100
Cheque Bounce Fee	Rs.100 per pick-up
Return of Cheque Fee	Rs.250 per returned cheque
Outstation Cheque Processing Fee	Rs 100 1%
Non-Bank ATM Access / Balance Enquiry Charges	1% of the cheque value, subject to a minimum of Rs.100
Dial a Draft Fee	3% of the draft value amount subject to a minimum of Rs.300
Duplicate Statement Request Charges	Rs.100 (beyond three months)
Replacement Card Charges	Rs 100
Charge Slip Request	Rs.100 per chargeslip
Railway Booking Surcharge	2.5%
Railway Booking Surcharge (Online)	1.8%
Air/Railway Booking Comment	1.80% of transaction value for Internet transactions and 2.50% for other bookings
Fuel Surcharge	2.5%
Foreign Currency Transaction Charges	3.5%
Service Tax	10.3%

Rewards & Benefits

Services & Features

General Features:

Photo Option	No
Add On Card	No
Internet Web Based Access	Yes
Coverage	International
Concierge Service	No
Invitation to Special Events	No
Road Assistance	No
Forex & Travel Cheque Services	No
Access to 24-Hour Customer Care Centre	Yes
Personal Loan Facility	No
EMI on Call Facility	No
Dial a Draft Facility	Yes
Rewards Programme	Yes
Global Emergency Assistance Service	No

Insurance:

Hospitalization Benefits

Special Offers

Eligibility Criteria

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