ICICI Parakram Select Credit Card
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उत्पाद विवरण
क्रेडिट कार्ड का नाम
ICICI Parakram Select Credit Card
Bank Name :
ICICI Bank
प्रकार
Rewards Credit Card
ब्याज दर
3.4% per month (or 40.8% per annum)
पात्रता
Age: You must be a minimum of 21 years old for primary cardholder (18 years old for supplementary cardholders).
Employment: You must be either defence personnel, i.e., Commissioned Officers, Junior Commissioned Officers, and other ranks of the Indian Army, Navy, and Air Force (both active and retired).
Paramilitary Personnel: Members of Central Armed Police Forces (BSF, CRPF, CISF, ITBP, SSB), Assam Rifles, Indian Coast Guard (both active and retired).
Credit Score: You must have a good credit score. This means no recent defaults or delinquencies on loans or credit cards.
पेशेवरों
Reward System: Users will earn 10 reward points per INR 100 spent at grocery stores, department stores and Canteen Store Departments (CSDs). Value of 1 reward point = INR 0.25. Cashback rate: 2.5%. 2 reward points on spend of Rs.100 on all other categories. General cashback rate: 0.50%. A maximum of 1000 reward points can be earned per month.
2 free domestic airport lounge visits per year.
2 free international airport lounge visits per year.
1 free golf round on spending INR 50,000.
Personal air accident insurance of INR 20 lakh.
Personal accident insurance of INR 2 lakh.
दोष
No free movie tickets.
Limited value add features.
Low cashback rate.
पक्ष विपक्ष
Welcome Benefits
None.
पुरस्कार प्रणाली
10 reward points per INR 100 spent at grocery stores, department stores and Canteen Store Departments (CSDs). Value of 1 reward point = INR 0.25. Cashback rate: 2.5%. 2 reward points on spend of Rs. 100 on all other categories. General cashback rate: 0.50%. A maximum of 1000 reward points can be earned per month.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
3.5%.
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
None.
Eligibility Criteria
Age: You must be a minimum of 21 years old for primary cardholder (18 years old for supplementary cardholders).
Employment: You must be either defence personnel, i.e., Commissioned Officers, Junior Commissioned Officers, and other ranks of the Indian Army, Navy, and Air Force (both active and retired).
Paramilitary Personnel: Members of Central Armed Police Forces (BSF, CRPF, CISF, ITBP, SSB), Assam Rifles, Indian Coast Guard (both active and retired).
Credit Score: You must have a good credit score. This means no recent defaults or delinquencies on loans or credit cards.
फ़ायदे
Cashback benefits.
Lounge benefits.
Insurance benefits.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
1. Online:
Visit ICICI Bank website.
Fill out the online application form with the correct details.
Upload the required documents when prompted.
Submit the application and track its status online.
2. Bank Branch:
Visit the ICICI Bank branch nearest to you.
Meet a customer service representative and express your interest of availing the credit card.
Provide them with your KYC documents and fill out the application form.
Submit the application and inquire about further processing steps.
सम्पर्क करने का विवरण
1800 1080
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Reward System: Users will earn 10 reward points per INR 100 spent at grocery stores, department stores and Canteen Store Departments (CSDs). Value of 1 reward point = INR 0.25. Cashback rate: 2.5%. 2 reward points on spend of Rs.100 on all other categories. General cashback rate: 0.50%. A maximum of 1000 reward points can be earned per month.
2 free domestic airport lounge visits per year.
2 free international airport lounge visits per year.
1 free golf round on spending INR 50,000.
Personal air accident insurance of INR 20 lakh.
Personal accident insurance of INR 2 lakh.
No free movie tickets.
Limited value add features.
Low cashback rate.
The card offers low cashback rate. The card's USP is that it offers cashback on purchases from CSD canteens. Otherwise the cards offers limited value add benefits.
ICICI Parakram Select Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
Joining Fee: Nil.
Annual Fee (Second year onwards): Nil
Interest Rate: 3.67% per month (annual interest rate - 44%).
Interest On Cash: 2.49% per month (annual interest rate - 29.88%).
Forex Markup: 3.5%
Cash Withdrawal Fee: 2.5% on advanced amount , subject to minimum of INR 300.
Rewards Redemption Fee: INR 99
Late Payment Charges: 0-1200 depending on the outstanding amount.il
ईंधन अधिशुक्ल
1% fuel surcharge waiver at HPCL petrol pumps on transactions between Rs. 400 and Rs. 4,000, with a monthly cap of INR 250.
Billing Cycle
30 days.