ICICI Bank Visa Signature Credit Card: Review, Features, Benefits & Rewards

The ICICI bank visa signature card is one of the best card available in the market.

Credit cards have come a long way over the years and from being just a payment tool they have now become multi-utility products that offer a variety of benefits including banks for using the card, cashback, travel benefits, dining privileges and much more. The ICICI Bank Visa Signature Credit Card is the best card for you if you are someone who wants to live life to the fullest, and all its perks.

The card is not only a method to pay, but an experience, catered for those looking to maximize what they spent. It comes with a variety of rewards options, premium travel perks, airport lounge access, dining privileges and even golf extras. With a hefty annual fee, the card is designed to appeal to those who spend on travel, dining, shopping and a bunch of other things.

In this blog, we will elaborate upon the essentials of the ICICI Bank Visa Signature Credit Card, right from its key features and advantages to a comparative analysis with other premium credit cards available in the market. So, let’s cut straight to the chase and understand why this card is a solid pick for high-end users.

ICICI Bank Visa Signature Credit Card Highlights

The ICICI Bank Visa Signature Credit Card was built for high-net-worth individuals who have a preference for rewards and luxury with convenience. Beyond that generous rewards structure this card comes with lifestyle and travel benefits that make it a must have for people who travel-feel like.

The Visa Signature Credit Card offers a little something for everyone with its versatile reward categories featuring shopping, dining, and travel, and a wide range of benefits. The card is available at a joining fee of ₹25,000 + GST, and with an annual fee of ₹2,000 + GST. Although the fee is a bit pricey, the plethora of reward options, access to exclusive perks, and status benefits are a great use of your money.

ICICI Bank Visa Signature Credit Card Features and Benefits

Here we’ll dissect the most important things that make this credit card a good choice:

Joining Fee and Renewal Fee

• Joining Fee: ₹25,000 + GST.
  
  
• Renewal Fee: ₹2,000 + GST (waived on annual spends).
  
  

Welcome Benefit

Upon approval of the card, you will earn 30,000 handpicked rewards that can be used for flight reservations, hotel stays and more (1.5 : 1 reward redemption). And they can do it from day one, which is very attractive.

Reward Points System

• 5 selected rewards points per ₹100 spent on international spends.
  
  
• 4 hand-picked rewards per ₹100 spent on travel bookings.
  
  
• 2 selected rewards per ₹100 spent at hotel and restaurant.
  
  
• 1 hand-picked reward for every ₹ 100 on all other spends.
  
  
• 2X point on all spends above ₹5 lakh annually on all categories.
  
  

Hand-picked Rewards Redemption

The rewards accumulated can be converted into multiple redemption options like flight or hotel booking, shopping vouchers, gadgets and a lot more.

• 1 hand-picked reward = ₹0.25 on hotel and flight booking.
  
  
• 1 hand-picked reward = ₹0.10 for shopping and all other redemptions.
  
  

Travel Benefits

• Receive Complimentary Priority Pass Membership: With 600+ airport lounges worldwide, you have an escape from the general terminal atmosphere.
  
  
• Golf Privileges: Enjoy 1 Complimentary round of golf every month at select golf courses across India simply spend ₹1 lakh in the previous month.
  
  
• Concierge Service: You need help making travel or lifestyle arrangements, the card provides 24/7 concierge service.
  
  

Insurance Coverage

• Purchase Protection: This covers your eligible purchases from theft or damage.
  
  
• Credit Shield: In case of the demise of the cardholder by an accident, the card offers a credit shield to settle any unpaid card dues.
  
  
• Global Emergency Assistance: Emergency card replacement or cash disbursement provided anywhere in the world.
  
  

Additional Features

• Fuel Surcharge Waiver: Avail 1% waiver on fuel purchase from ₹500 up to ₹4,000.
  
  
• Easy Payments EMI Options: Check out for easy payment options for EMI orders.
  
  
• Withdraw Cash: Cash access worldwide via ATMs, with the cash advance fee.
  
  

ICICI Bank Visa Signature Credit Card Exclusive Travel Offers

The free travel perks are another highlight of this credit card. The ICICI Bank Visa Signature Credit Card comes with great travel privileges that make your business and leisure too much fun. Whether travel is for business or pleasure, the card offers a range of advantages and features that can help make your trips more enjoyable.

Priority Pass Membership

A Priority Pass Membership provides you with access to over 600 airport lounges. This is a great perk for adventurers to get away from crowded airports and de-stress in quiet and comfortable surroundings before air travel! Going somewhere for business or pleasure, access to this exclusive lounges will make your travel experience a whole lot better!

Golf Privileges

Golfers will have a reason to celebrate, thanks to the ICICI Bank Visa Signature Credit Card offering free golfing privileges. You receive 1 free round of golf a month at participating golf courses. The perk is applicable when you spend ₹1 lakh or more in the previous month and is a great reason to swipe the card more and get more rewards. It’s a big plus if you like the sport.

Concierge Service

With the 24/7 concierge service, all of your travel-related requests are personalized and tended to. So whether it’s assistance with finalizing that flight booking, organizing the limo or whether you need tickets to that VIP event, the concierge service has you covered. This is why the ICICI Bank Visa Signature Credit Card is great for frequent travellers who require a helping hand when they are on-the-go.

Dining and Shopping Privileges

The ICICI Bank Visa Signature Credit Card isn't all travel, all the time. It also provides a range of dining and shopping privileges to complement your lifestyle.

Dining Benefits

Cardmembers receieve exlusive discount from list of partner restaurants. The card offers benefits like:

• Savings at fine dining restaurants rated as the best.
  
  
• Access to exclusive food and beverage promotions and offers in selected outlets.
  
  

Open to going out and eating! If you’re looking to make the most of every dining opportunity, from how much you spend to where you eat and with whom, your Visa Signature Credit Card is the only card you need.

Shopping Privileges

ICICI Bank Visa Signature Credit Card Benefits The ICICI Bank Visa Signature Card offers a variety of shopping privileges to help elevate your retail experience. These include:

• Shopping Vouchers: Avail exclusive shopping offers and shopping vouchers on using the card at select retail partners.
  
  
• Railway Points on purchase: Customers can earn rich reward points on all purchases and redeem against an array of gifts and vouchers including shopping vouchers, premium gadgets, fine dining and much more.
  
  

You can also turn your personally selected rewards into shopping vouchers that are redeemable against the cost of your retail transactions – adding even more value to your shopping experience.

How Does ICICI Bank Visa Signature Credit Card Compare to Other Premium Cards?

When compared to other premium credit cards, the ICICI Bank Visa Signature comes off as an attractive card with its competitive rewards program, premium travel benefits and renewal fees. Though you have the HDFC Infinia Credit Card, RBL Bank Signature Credit Card as well providing luxurious benefits, ICICI Bank Visa Signature Credit Card is a good mix of benefits vs fees.

For instance, you can only get a Priority Pass Membership with a top-tier card, but you get it with the Visa Signature Credit Card discussed here. Golf privileges, concierge service and EMI facilities too are few privileges you would usually find in cards that come with a higher annual fee bracket, and yet this card offers them at a much lesser price.

If you want a credit card that gives an array of travel, dining and shopping benefits combined in a single card and yet doesn’t burn too much of a hole in your pocket, the ICICI Bank Visa Signature Credit Card is exactly what you need.

Summary: Is the ICICI Bank Visa Signature Credit Card Best for You?

The ICICI Bank Visa Signature Credit Card – For those who want more in a credit card The ICICI Bank Visa Signature Credit Card is a premium credit card for all the premium members of the world. If you’re someone who lives extravagantly or is constantly taking trips, this card is your dream come true with its lavish rewards system, deluxe travel benefits, elite dining benefits and golfing benefits.

Although the joining and renewal fee are on the higher side, the perks outweigh the costs considerably, especially if you spend heavily on travel, dining and shopping. For those who are frequent travellers, golf enthusiasts or shop-holics, the ICICI Bank Visa Signature Credit Card provides an excellent rewards points system and a range of exclusive privileges that will enrich your life.

If you qualify and you want a top-of-the-line credit card with a buffet of benefits, this one is worth a look. So, do not lose a chance to upgrade your life with ICICI Bank Visa Signature Credit Card.