Summary
The ICICI Bank VISA Signature Credit Card is a premium credit card that offers several exclusive benefits to individuals seeking to indulge in luxury, travel advantages, and rewards. This Credit card is appropriate for frequent travelers, shoppers, or those who like to squeeze the maximum from their spending.
One of the most appealing features of the card is the rewards points facility. Card holders earn rewards points in every transaction and can redeem the same for goods such as gift vouchers, travel vouchers, etc. Apart from that, there is a welcome bonus and rewards points for transactions abroad, arranging travel, dining out, and so on. For the members who spend exceedingly high, and that is in excess of ₹5 lakh yearly, rewards points are doubled up, and it adds a significant value.
The card is also designed for regular travelers. It provides complimentary airport lounge access at over 600 airports worldwide, making travel convenient. Travelers are also provided with travel insurance coverage, protecting them during their travels, and special golf perks with one complimentary round of golf per month.
Besides travel, the card offers fuel surcharge waivers, purchase EMI options, and a personal loan option of up to ₹20 lakh. These complement it being a rational option for daily expenses as well.
Introduction
The ICICI Bank VISA Signature Credit Card is a premium credit card with several advantages to the cardholder. With its luxury features and advantages, the card is perfect for individuals who enjoy luxury, traveling, and shopping. It provides an array of benefits, including free lounge access when at the airport, shopping discounts only, and personalized concierge services made to measure, so it’s well worth considering by anyone who wants to make the most of their expenditure.
The key feature of this card is the reward points mechanism. All spending on the ICICI Bank VISA Signature Credit Card earns reward points, which can be used to offset a wide range of products, ranging from gifts and products to travel coupons. It offers a very generous welcome advantage in the form of a special bonus on first-time transactions.
For the frequent traveler, the ICICI Bank VISA Signature Credit Card provides lounge access free of cost to ease and luxury-ify the travel experience.Furthermore, the card members also get to utilize travel insurance facilities in case of unforeseen events arising during travel.
Moreover, ICICI Bank makes it easy for you to apply for the VISA Signature Credit Card online, so that you can start easily. Regardless of whether you wish to accumulate rewards, save on travel, or enjoy exclusive benefits, this credit card is designed to enhance your lifestyle in all possible ways.
What is the ICICI Bank VISA Signature Credit Card?
ICICI VISA Signature Credit Card is a high-end credit card that provides several benefits to customers. It is meant for those customers who are looking for luxurious services, travel benefits, and special rewards. You can earn reward points on all your transactions using this card, using which you can buy anything, such as gifts and travel coupons.
Cardmembers also get to experience advantages such as complimentary airport lounge visits, travel insurance, and purchase offers. It’s a perfect option for those who can indulge in giving themselves an upgraded and rewarding lifestyle with their spends.
How is the design of the ICICI Bank VISA Signature Credit Card?
The ICICI VISA Signature Card features a stunning and sleek look that’s appropriate for its status as an elite card. The card typically features a plain black face and elegant metallic accents to create a modern and luxurious feel. The name ICICI Bank is prominently displayed on the card, along with the VISA Signature logo and the mandatory card details like the cardholder’s name and card number on the front.
From a functional perspective, the card has state-of-the-art security features such as an inlay EMV chip that offers extra protection against fraud and unauthorized use. The card also has contactless payment capability, which facilitates fast and safe payments without needing to insert or swipe the card.
What are the benefits of the ICICI Bank VISA Signature Credit Card?
Here’s a brief overview of its salient features:
Reward Points & Welcome Benefits
- Welcome Offer: Get 30,000 Hand-picked Rewards on activation.
- Earning Rewards: Get 10 Hand-picked Rewards for each ₹100 spent on international spends, 8 for booking travel, 4 for restaurants/hotels, and 2 for other spends.
- Bonus Rewards: Spend over ₹5 lakh per year to receive double rewards for all categories.
- Redemption: Redeem rewards for shopping vouchers, holidays, gadgets, dining, and more.
Travel Privileges
- Priority Pass Membership: Enjoy complimentary entry to over 600 airport lounges globally. There’s a lounge use charge.
- Golf Benefits: Get one round of golf free every month when you have spent ₹1 lakh or more in the past month.
- Concierge Service: Get 24/7 reservations, bookings, and more assistance.
Day-to-Day Savings
- Fuel Surcharge Waiver: Get a waiver of 1% on fuel surcharges on all petrol pumps in India.
Other Benefits
- EMI Options: Turn purchases into convenient-to-repay EMIs.
- Personal Loan on Card: Get instant loans of up to ₹20 lakh at low interest rates.
What are the fees for the ICICI Bank VISA Signature Credit Card?
Here is a simple breakdown of the ICICI VISA Signature Credit Card fees.
| Joining Fee | Rs. 25,000 + GST |
| Annual Fee | Rs. 2,000 + GST |
| Add-on Card Fee | No charges for additional cards for family members. |
| Finance Charges | 3.40% per month (40.80% annually) on the outstanding balance if you don’t pay your bill in full. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an ICICI Bank VISA Signature Credit Card?
1. Age Requirement:
- You should be between 18 to 65 years of age.
2. Income Requirement:
- Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have a valid address proof.
What documents are required to get an ICICI Bank VISA Signature Credit Card?
The documents that you will have to submit to get an ICICI VISA Signature Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the ICICI Bank VISA Signature Credit Card be used?
Here is the list of places where you can use it:
- With the ICICI VISA Signature Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your ICICI VISA Signature Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The ICICI VISA Signature Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the ICICI Bank VISA Signature Credit Card?
The credit amount you can spend is what you are provided with an ICICI VISA Signature Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.
How do you apply for an ICICI Bank VISA Signature Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the ICICI Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by ICICI Bank; for instance, you can choose the ICICI VISA Signature Credit Card.
- Just hover your cursor on the ICICI VISA Signature Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest ICICI Bank branch to apply for the ICICI Bank VISA Signature Credit Card.
- Request for the credit card application form of the ICICI Bank VISA Signature Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas photograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the ICICI Bank VISA Signature Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the ICICI Bank Card website, mobile app, or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting an ICICI Bank VISA Signature Credit Card in 2025 be right?
Yes, getting an ICICI VISA Signature Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
ICICI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Briefly, the ICICI VISA Signature Credit Card is a perfect choice for you if you are on the lookout for a high-end credit card with an abundance of benefits and rewards. Whether you are a travel enthusiast, shopaholic, or just want to maximize your spends, this card has numerous rewards, discounts, and benefits to upgrade your lifestyle.
With good rewards on local and overseas purchases, the card allows you to accumulate points that can be exchanged for a variety of things like travel vouchers, commodities, and others. The advantages of the card in terms of traveling, such as complimentary airport lounge access and travel insurance, make the card a great choice for corporate travelers. Further, the concierge service and golf privileges suit those who are looking for a luxury experience.
On top of that, the personal loan facility, EMI facility, and waiver of the fuel surcharge make the card not just an indulgence accessory but a good one for day-to-day spends as well. The overall look is minimalist chic, befitting the premium service it provides.
Frequently Asked Questions (FAQ’s)
Ans: The credit limit of the ICICI VISA Signature Credit Card depends on the income of the applicant, credit history, and banking relationship. It will normally be an enormous credit limit as compared to other conventional credit cards.
Ans: The card provides travel insurance covers such as personal air accident cover of ₹3 crore and credit shield cover of ₹50,000 to Credit card members. These covers provide extra protection to customers while traveling.
Ans: Reward points can be redeemed either on the ICICI Bank website or mobile app for numerous rewards such as merchandise, air miles, and gift vouchers for high-end brands and partner merchants.
Ans: Yes, there are annual fees and miscellaneous charges that apply to the ICICI VISA Signature Credit Card. Depending on the cardholder’s relationship with the bank and the terms at the time of application, fees can differ.
Ans: Yes, the ICICI VISA Signature Credit Card is accepted worldwide. It has MasterCard features, so it can be used smoothly for international purchases.
