CREDIT CARD DETAIL ICICI BANK Travel Smart Gold Credit Card Card Highlights Card Class Gold Card Type Travel Issuer ICICI Bank Offered Type MasterCard Rewards Travel, Holiday Packages Main Features 10% cash back (discount) on any airline ticket booked through Makemytrip.com 24x7 Personal Travel Desk for assiastance in booking flights, hotels, holiday packages Guaranteed 5% cash back on holiday packages booked through Makemytrip.com All the benefits of the ICICI Bank Solid Gold Card Fuel-surcharge waiver across all petrol pumps from December 15, 2007 Fuel-purchase transactions on the card will not earn reward points from December 15, 2007. I-Assist, 24x7 personal concierge services, offering a host of benefits. Air-accident insurance of upto Rs 50 lac(@) (@)This cover is availabe only if the air ticket is purchased on ICICI Bank Credit Card and the card is an Active card. Active is defined as one swipe for retail transaction in last 90 days prior to date of loss.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 2.95% per month Balance Transfers: Intro Interest Rate 0.75% per month Introductory Period 6 month Interest Rate 1.49% per month  Fees & charges   Fees & charges Cash Advance Transaction Fee 2.5% on advanced amount, subject to a minimum of Rs. 300. Finance charges on cash advances /extended credit 3.15% Late Payment 30% of min. Amount outstanding (subject to min. of Rs. 350 and max. of Rs. 600) Free Credit Period Min.: 22 days Max.: 52 days Over Limit Charges 2.5% Min.: Rs 300 Cheque Bounce Fee Min.: Rs 250 Return of Cheque Fee Min.: Rs 250 Outstation Cheque Processing Fee Rs 100 1% Non-Bank ATM Access / Balance Enquiry Charges Rs 30 Dial a Draft Fee 3% w.e.f. Feb 01, 2008 of the draft value amount subject to a minimum of Rs.300. Duplicate Statement Request Charges Rs 100 Charge Slip Request Rs. 100 Railway Booking Surcharge 2.5% Railway Booking Surcharge (Online) 1.8% Air/Railway Booking Comment 1.80% for Internet transactions and 2.5% for other bookings. Fuel Surcharge 2.5% Min.: Rs 10 Foreign Currency Transaction Charges 3.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits Earn up to 10 reward points for every Rs. 200 spent and redeem these points against exciting options. For more info. Click Here  Airline   Airline: Bookings Agent Makemytrip.com Airline Travel Benefits 10% cash back (discount) on any airline ticket booked through Makemytrip.com International Air ticket Discount 10 % Domestic Air ticket Discount 10 %  Cash Back   Cash Back: Cash Back (Preferred Partner) Guaranteed 5% cash back on holiday packages booked through Makemytrip.com  Hotel   Hotel: Booking Discount Yes Description (Booking Discount) Guaranteed 5% cash back on holiday packages booked through Makemytrip.com  Services & Features   Services & Features General Features: Photo Option Yes Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service Yes 24x7 Personal Travel Desk for assistance in booking flights, hotels, holiday packages. I-Assist, 24x7 personal concierge services, offering a host of benefits. Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services Yes Access to 24-Hour Customer Care Centre Yes Personal Loan Facility Yes EMI on Call Facility Yes Dial a Draft Facility Yes Rewards Programme Yes Global Emergency Assistance Service Yes No. of ATMs (Global) 22 million MasterCard No. of ATMs (India) 77,000 establishments across India and Nepal Insurance: Air Accident 50,00000 Hospitalization Benefits No  Eligibility Criteria   Eligibility Criteria  Salaried   Salaried: Annual Income Rs  Age Min.: 21 Yrs.   Max.: 58 Yrs. Documents Required Public Ltd / MNC / Govt: Pay slip / Salary Certificate / Income Tax Returns / Form 16 Proprietorship / Partnership / Pvt. Ltd.: Pay slip / Income Tax Returns / Form 16 Documents Required - Holding Credit Card for over an year Photocopy of your latest Credit Card Statement Photocopy of your Credit Card Front  Self Employed   Self Employed: Annual Income Rs  Age Min.: 21 Yrs.   Max.: 65 Yrs. Documents Required Income Tax Returns Other Bank Card Documents/Specific Club memberships required for the EMI card Documents Required - Holding Credit Card for over an year Photocopy of your latest Credit Card Statement Photocopy of your Credit Card Front  Terms & Conditions   Terms & Conditions Most Important Terms and Conditions Balance Transfer Terms and Conditions Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. 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