Although this article focusses primarily on the credit cards and their benefits, offered by the ICICI Bank credit cards, we begin with a brief introduction of this financial institution. The ICICI Bank was launched in the year 1994 by ICICI Ltd and has come a long way since then. It is one of the most successful 'new generation' banks in India today.Being the second largest bank in the country, following the giant State Bank of India in terms of ranking ICICI has a wide network of 1542 branches and 4814 ATM's in the country today.The bank offers a huge range of banking services and products both in the retail and the corporate sectors.All over the world the ICICI Bank has its presence across continents of North America,Asia,Europe and Africa. The customers visiting ICICI get a wide variety of cards to choose from depending on their own personal needs.

The main categories of credit cards offered are mentioned below : 1. ICICI Bank Signature Credit Card 2. ICICI Bank Platinum Credit Card 3. ICICI Bank Titanium Credit Card 4. ICICI Bank Future Gold Credit Card 5. ICICI Bank British Airways American Express Card 6. ICICI Bank Singapore Airlines VISA Platinum Credit Card 7. ICICI Bank HPCL Gold Credit Card 8. ICICI Bank Preferred Credit Card 9. ICICI Bank Fixed Deposit Instant Credit Card. One can pick up any of these suiting the personal needs and requirements.Most of these cards have the overlapping benefits and facilities.The best feature that most of these cards offer is that the customer has the liberty to set his own credit limit(self-set limit benefit). The other advantages broadly include Auto-Debit facility,flexible payment options, card statements on the E-mail and round the clock 24 hours Customer Service support.Another very important benefit that the customer enjoys is the Global Emergency Assistance Service. We will now discuss most of these features in detail to make things more clear. Benefit 1 : Auto Debit Facility - The customers who already have their bank-accounts with ICICI can make their payments of monthly credit card statements straight from their bank accounts. Benefit 2 : Facility to bank on the Internet - The wesite www.icici.com can be accessed by any customer over the net at any time.The website is designed to take care of most of the account or transaction related issues and queries. It saves a lot of precious time for the customer in resolving most of the issues online itself. Customers now get the luxury to view their statements,give auto debit instructions, get their payment status,request a card repalcement and much more just by accessing the Internet. Benefit 3 : Flexible Payment Options - The credit card monthly p ayments can be done via various modes depending on customer's comfort. Most of the people who have an ICICI bank account can easily transfer their funds from their savings account to their credid card account to clear their payments.The cards also offer a facility to transfer funds from any non-ICICI savings bank account to facilitate payments.One can also make a phone call to 24-hour Customer Care number and the payments are done within 2 working days. Benefit 4 : Online Statements/Alerts on the Mobile - Gone are the days when the customer waited for their statements to be delivered through the post. A powerful tool which keeps the customer posted regularly about their statement details are Online Statements. The customers can view their statements anytime now. Benefit 5 : Global Assistance Emergency Service - Most of the customers who are frequent travellers can make use of this facility from anywhere in the world. These services are well supported by trusted names like Visa and Master and come handy at the time of any emergency like loss of Credit Card, emergency replacement of card,emergency cash withdrawls etc. Coming with a pacakage of so many benefits ICICI Credit Card is undoubtedly one of the most preferred Credit Cards!

I am a proud user of an ICICI Bank credit card. I am proud because I have been closely watching the growth of ICICI bank for the past 10 years and sompletely satisfied with the service they provide. Until ICICI and ICICI bank merged, the presence and importance was not that prominent. Once the merger happened and the new entity entered first the Indian financial market and then the global financial market, I thought that was the best thing to happen in the financial sector. The entry of ICICI credit card was big event. Their 24 hour customer care programme has been a big facilitator in their fast growing business. For ICICI bank to grow as the numero Uno private bank in India and the number two among the all the banks in India is not a mean achievement by any standard. Probably, ICICI bank credit card is the top most selling card in India. Their unique reward programme first based on the added numerels in the charge slip and then collaborative programme with Imint were instant hits. ICICI also came out with popular cobranded cards such as ICICI- Amway card and ICICI- HPCL card. When the cobranded Amway cards are used, the registered Amway distributors gain business substantially. In the case of cobranded HPCL cards, the customers are not charged with the service charge for fuel filling. Apart from this, double imint points are credited as attractive reward programme which can be redeemed for a number of selected gift items. I would recommend all the readers to grab one ICICI credit card immediately.