BUSINESS - HSBC CREDIT CARD INFORMATION
HSBC India credit card roundup
Try a combination of money saving features and value added benefits with HSBC cards
BY A CORRESPONDENT
HSBC Gold Cards
The HSBC Gold Credit cards offer you a host of privileges. Transfer your credit card outstandings of any amount above Rs 3,000 to HSBC at 0% interest for first three months.To avail the loan on the phone scheme to take a holiday or to buy a computer all you need to do is to make a purchase of a minimum of Rs 5,000 on an HSBC Gold Card. You can then call the bank within 15 days of making the purchase and convert it into a loan, with an EMI having an interest rate of only 1.5% per month and that too on a reducing balance. Options of loan enor range from 6 to 12 months. Use your gold credit card at any petrol pump with zero per cent surcharge for any purchases ranging from Rs 300 to Rs 3,000.Premium healthcare facilities are at your call if you are a card holder. And this comes at exciting special prices. Avail discounts on products ranging from Cotton World , Wills Lifestyle, Aiwa, Canon digital cameras, Kodak, Esprit, Nike Sports Station, Yamini, Apollo Hospitals, Kaya Skin clinic, Domino's and much more. The card also brings you exclusive travel benefits courtesy International Travel House (ITH). You get a 3% discount on all domestic airline tickets and 4.5% discount on all international tickets. Tickets will be home delivered within 24 hours of confirmation for free. A 5% cut on all international and domestic leisure packages are also yours, apart from a 10% off on car rentals at domestic locations and 20% off on room rack rates at domestic locations. The primary active gold card member gets a slew of insurance benefits. Primary active gold card member is one who has used the card at least 5 times in 89 days prior to the day of the occurrence of the event. The card gets you personal accident Insurance upto Rs 40 lakhs for loss of life due to air accidents and Rs 4,00,000 for any other accident. You also get purchase protection up to Rs.50,000 for 180 days from the date of purchase for items bought using your HSBC Gold credit card. Insurance cover of up to US $ 1200 for loss of checked in baggage and $300 for delay in checked in baggage for more than six hours is also yours. The insurance covers upto US$500 for loss of travel documents or passport. The hijack cover is $250 per hour which would start activated after 12 hours of hijacking with an upper limit of 36 hours. HSBC has a special life insurance cover of Rs 40,000 in association with TATA AIG insurance company for non-accidental death. This insurance cover is first used to clear any balance remaining on your HSBC card in the event of non-accidental death, with any part of the cover remaining after that going to the cardholder's nominee. The service comes at a nominal premium of Rs 20 per month along with a processing fee of Rs 10 per month. HSBC provides you the option of getting up to 3 additional credit cards for your spouse, parents, brothers/sisters or children above 18 years. The global access system enables you to withdraw cash from your bank account with HSBC India from any VISA Plus / MasterCard Cirrus ATM in India or overseas. You can also perform banking transactions like cash withdrawal, balance enquiries and fund transfers from any HSBC ATM in India or abroad. And for every Rs 100 you spend on your card, you get a bonus point. After gaining 300 bonus points you can start redeeming from an exciting range of options including jewellery, fashion accessories , garments and cosmetics. The card also offers you free credit for 48 days, without any finance charge being levied. Through the extended credit facility you can pay a minimum of 5% every month.
HSBC Classic cards
A combination of money saving features and value added benefits would be welcome for all. And that is exactly what HSBC classic cards offer you. Use your Classic credit card at any petrol pump with zero% surcharge (normally 2.5%) for fuel purchases between Rs.400 and Rs.3,000 per transaction. You can also transfer you credit card outstandings of any amount above Rs 3,000 to your HSBC card for no interest at all for first 3 months. If you make a minimum purchase of Rs 5,000 on your card you are entitled to convert your purchase into a loan by just making a phone call. EMIs are offered for just 1.5% against a normal 2.95% per month. You can choose the loan tenor ranging from 6 to 10 months. EMIs would be charged to your credit card account make payment easier. You also get an instant review of your Credit card transactions. You can also opt for e-statements, redeem your bonus points online, benefit from these and more facilities with online@hsbc. Use your Credit card number and PIN to register and opt for e-statements. By this you also gain 150 FREE Bonus Reward Points. You also gain a 3% off in all domestic airline tickets and %% off in international airline tickets, which will be delivered to you if your home is within city limits, at not extra cost. The primary active credit card holder, ie a card holder who has utilized the card at least 3 times within 89 days prior to the occurance of an event in which insurance is claimed, gets a personal accident insurance up to Rs 15 lakhs for loss of life due to air accidents and Rs 1,50,000 for any other accidents.You also get a cover of up to US$ 600 for loss of checked in baggage. The credit shield facility waives the payments of outstanding of up to Rs 20,000 in case of accidental death. HSBC along with TATA AIG insurance company provides a special insurance cover of Rs 20,000 for non-accidental death for classic credit card holders. This is first used to pay off any outstandings in your credit card. The balance, if any, will go to the card holder’s nominee. This comes at a premium of just Rs 10 per month, with a processing fee of another Rs 10 per month. BY A CORRESPONDENT
Saturday, December 8, 2007
BUSINESS - CITI BANK INDIA CREDIT CARDS INFORMATION
Citibank India credit card roundup
Customised cards are in vogue and there’s no better way to get into the niche bracket than Citibank cards.
BY A CORRESPONDENT
Cash Back Card
Going by the popular notion, any cash back plan is a hit. So there’s no reason why the CitiBank Cash Back Credit card should not be a hit. Grab a Cash Back Card for just Rs 500 for the first year and get an additional card free. And benefits come in tow.Whether it is hospital expenses, electricity or mobile bills, school or college fees, drawing cash from ATMs , money spend comes back to you. You get back as much as Rs 20,000 a year. The cash back is credited to your card statement every month. Moreover, Citibank Suraksha’s credit shield covers balance outstanding of up to Rs 1 lakh on your Cash Back card and provides accident insurance cover of up to Rs 10 lakh. Three financial tools come to you with this card. Paylite is a pre-approved loan that enables you to repay in convenient EMIs at low interest. Dial anEMI enables you to convert purchases into 6 or 12 easy EMIs, before Payment date, subject to a minimum of Rs 2,500. Balance Transfer eases your burden on other cards by transferring the balance to your CASH Back Card. The teleOptima MCI Worldcom International Calling Card, to be used overseas, makes international phone calls an easy option. Charges will be billed later to your card, which you can pay in Indian rupees. Itemized bills will enable you to keep a tab.
Citibank Silver Card
Tantalising discounts, privilege offers and special gifts are the add-on benefits of this card. The card comes to you at a fee of Rs 250 for the first year. Every time you use the card you earn reward points that can be exchanged for gifts ranging from cosmetics to cameras and CDs. You may choose to waive of your card renewal fee in exchange of the reward points also. International purchases are insured against damage or theft for 180 days from time of purchase up to a value of Rs 15,000. Get an additional card for Rs 350 for a family member.
Citibank Platinum Card
Being in the premium card segment, Platinum cards are issued by invitation only. In other words you don’t get a card by just opting for it. Citibank Platinum offers you a credit limit of a whopping six lakhs. The card is honoured in 30 million establishments worldwide. Benefits include free personal accident insurance for air travel of a crore rupees for primary member and Rs 30 lakhs for additional card member. This is not applicable to private/chartered air travel. For other than air travel, the insurance is Rs 5 lakhs for primary member and Rs 2 lakhs for additional member. All purchases on first citizen Citibank Card are insured against damage or loss due to fire or theft for one lakh for primary members and Rs 50, 000 for additional members. This is applicable only to those who have transacted on their Card for a Purchase/Cash Advance/EMI /Payment transaction, at least once, within 89 days prior to the day of the occurrence of the risk, for which an Insurance claim is being made. Baggage insurance cover is 50,000 in India and a lakh abroad for Primary members (40,000 and 60,000 for additional members). Delayed baggage fetches you Rs 15,000 in India and Rs 25,000 abroad (5,000 and 10,000). Loss of passport gets you Rs 25,000, while loss of flight ticket will get you Rs 10,000 (Rs 5,000 for additional members). A missed connection flight gets insurance of Rs 15,000 in India and Rs 25,00o abroad (Rs15,000 for additional members both India and abroad). Apart from these free household insurance protects your household articles against fire or theft for a sum of Rs 2 lakhs (A lakh for additional member). Additional member also has road hospitalisation cover of up to Rs 50,000.
Diner Club Cards
The Diner Club British airways card brings you exclusive privileges on British Airways flights, including priority booking on busy routes and seat and meal preference. Diner Club International card does not set a credit limit. Rather it lets spending, payment pattern and resources set the limit for you, with free credit for 50 days.Diner club card members get preferential treatment in 85 lounges at domestic departure areas including Mumbai, Delhi, Chennai and Bangalore. The Taj Epicure Diner club card offers you exclusive benefits across 43 Taj properties and over 200 Taj restaurants, plus a 50% cut in bills in Tariff at select Taj hotels in metro cities for two weekends for couples. The Diners Club Corporate card programme gives you detailed analysis of the card transactions monthly in addition to monthly statements.
Jet Airways Citibank Gold Card
The card can be made use to eat out, shop entertain and earn points for every Rs 100 you spend and redeem these points to get flight tickets of Jet Airways, KLM-Royal Dutch Airlines, Northwest Airlines and British Airways.
Jet Airways Citibank Silver Card
This brings you personal air accident cover of up to Rs 15 lakhs and up to Rs 1 lakh for non-air mishaps. This is in addition to a slew of benefits when you use the services of Jet Privilege Programme Partners - The Oberoi Hotels and Resorts, The Leela Hotels & Resorts, The Park Hotels, ITC Welcomgroup, The Trident Hotels, Radisson Hotels, Hyatt Hotels Worldwide, Orange, Hutch, BPL Mobile and AVIS Car Rentals.
First Citizen Citibank Card
The First Citizen Citibank Card offers you unmatched benefits while shopping with Shopper’s stop, including easy 3-month Equated Monthly Installments at 0% interest. International Times Card assures you the best seats for movies, shows concerts and launches, plus exceptional offers in entertainment, music and art shopping. Indian Oil Citibank Card has no transaction fee at Indian Oil Retail Outlets. It also earns you 10% discount on JK Radials and 7.5% discount on BIAS Tyres from JK Tyres at select Steel Wheels outlets.
IndianOil Citibank Gold Card
Earns you 4 reward points for every Rs 150 spend at select IndianOil retail outlets. The points can be redeemed for groceries, apparel and entertainment, apart from free fuel, Servo lubricants and Indane Gas at select IndianOil Retail outlets. The MTV-Citibank card is your passport to get free entry to discotheques, discounts at pool parlours. It also fetches you rewards Points that can be exchanged for exciting MTV Style Clothing and accessories gift vouchers. Use your Hutch Citibank Card to pay bills, shop or travel and you earn talk points that can be exchanged for free air time on Hutch. You can also buy any handset at Hutch outlets and pay back in 3 EMIs with O% interest.
Citibank Women’s card
Designed solely for women, the card gives you discounts in beauty and health products apart from entertainment and shopping. Reward points can be exchanged for gifts.
Citibank Women’s Visa Mini Card
From jewellery to apparel and beauty accessories to restaurants and cafes, you name it and the card brings you stunning discounts.And this is apart from the benefits you get while shopping with special Citi partners including Oyzterbay, The Home Store, Hidesign, Shahnaz Husain and Javed Habib. So what are you waiting for?
BY A CORRESPONDENT
Citibank India credit card roundup
Customised cards are in vogue and there’s no better way to get into the niche bracket than Citibank cards.
BY A CORRESPONDENT
Cash Back Card
Going by the popular notion, any cash back plan is a hit. So there’s no reason why the CitiBank Cash Back Credit card should not be a hit. Grab a Cash Back Card for just Rs 500 for the first year and get an additional card free. And benefits come in tow.Whether it is hospital expenses, electricity or mobile bills, school or college fees, drawing cash from ATMs , money spend comes back to you. You get back as much as Rs 20,000 a year. The cash back is credited to your card statement every month. Moreover, Citibank Suraksha’s credit shield covers balance outstanding of up to Rs 1 lakh on your Cash Back card and provides accident insurance cover of up to Rs 10 lakh. Three financial tools come to you with this card. Paylite is a pre-approved loan that enables you to repay in convenient EMIs at low interest. Dial anEMI enables you to convert purchases into 6 or 12 easy EMIs, before Payment date, subject to a minimum of Rs 2,500. Balance Transfer eases your burden on other cards by transferring the balance to your CASH Back Card. The teleOptima MCI Worldcom International Calling Card, to be used overseas, makes international phone calls an easy option. Charges will be billed later to your card, which you can pay in Indian rupees. Itemized bills will enable you to keep a tab.
Citibank Silver Card
Tantalising discounts, privilege offers and special gifts are the add-on benefits of this card. The card comes to you at a fee of Rs 250 for the first year. Every time you use the card you earn reward points that can be exchanged for gifts ranging from cosmetics to cameras and CDs. You may choose to waive of your card renewal fee in exchange of the reward points also. International purchases are insured against damage or theft for 180 days from time of purchase up to a value of Rs 15,000. Get an additional card for Rs 350 for a family member.
Citibank Platinum Card
Being in the premium card segment, Platinum cards are issued by invitation only. In other words you don’t get a card by just opting for it. Citibank Platinum offers you a credit limit of a whopping six lakhs. The card is honoured in 30 million establishments worldwide. Benefits include free personal accident insurance for air travel of a crore rupees for primary member and Rs 30 lakhs for additional card member. This is not applicable to private/chartered air travel. For other than air travel, the insurance is Rs 5 lakhs for primary member and Rs 2 lakhs for additional member. All purchases on first citizen Citibank Card are insured against damage or loss due to fire or theft for one lakh for primary members and Rs 50, 000 for additional members. This is applicable only to those who have transacted on their Card for a Purchase/Cash Advance/EMI /Payment transaction, at least once, within 89 days prior to the day of the occurrence of the risk, for which an Insurance claim is being made. Baggage insurance cover is 50,000 in India and a lakh abroad for Primary members (40,000 and 60,000 for additional members). Delayed baggage fetches you Rs 15,000 in India and Rs 25,000 abroad (5,000 and 10,000). Loss of passport gets you Rs 25,000, while loss of flight ticket will get you Rs 10,000 (Rs 5,000 for additional members). A missed connection flight gets insurance of Rs 15,000 in India and Rs 25,00o abroad (Rs15,000 for additional members both India and abroad). Apart from these free household insurance protects your household articles against fire or theft for a sum of Rs 2 lakhs (A lakh for additional member). Additional member also has road hospitalisation cover of up to Rs 50,000.
Diner Club Cards
The Diner Club British airways card brings you exclusive privileges on British Airways flights, including priority booking on busy routes and seat and meal preference. Diner Club International card does not set a credit limit. Rather it lets spending, payment pattern and resources set the limit for you, with free credit for 50 days.Diner club card members get preferential treatment in 85 lounges at domestic departure areas including Mumbai, Delhi, Chennai and Bangalore. The Taj Epicure Diner club card offers you exclusive benefits across 43 Taj properties and over 200 Taj restaurants, plus a 50% cut in bills in Tariff at select Taj hotels in metro cities for two weekends for couples. The Diners Club Corporate card programme gives you detailed analysis of the card transactions monthly in addition to monthly statements.
Jet Airways Citibank Gold Card
The card can be made use to eat out, shop entertain and earn points for every Rs 100 you spend and redeem these points to get flight tickets of Jet Airways, KLM-Royal Dutch Airlines, Northwest Airlines and British Airways.
Jet Airways Citibank Silver Card
This brings you personal air accident cover of up to Rs 15 lakhs and up to Rs 1 lakh for non-air mishaps. This is in addition to a slew of benefits when you use the services of Jet Privilege Programme Partners - The Oberoi Hotels and Resorts, The Leela Hotels & Resorts, The Park Hotels, ITC Welcomgroup, The Trident Hotels, Radisson Hotels, Hyatt Hotels Worldwide, Orange, Hutch, BPL Mobile and AVIS Car Rentals.
First Citizen Citibank Card
The First Citizen Citibank Card offers you unmatched benefits while shopping with Shopper’s stop, including easy 3-month Equated Monthly Installments at 0% interest. International Times Card assures you the best seats for movies, shows concerts and launches, plus exceptional offers in entertainment, music and art shopping. Indian Oil Citibank Card has no transaction fee at Indian Oil Retail Outlets. It also earns you 10% discount on JK Radials and 7.5% discount on BIAS Tyres from JK Tyres at select Steel Wheels outlets.
IndianOil Citibank Gold Card
Earns you 4 reward points for every Rs 150 spend at select IndianOil retail outlets. The points can be redeemed for groceries, apparel and entertainment, apart from free fuel, Servo lubricants and Indane Gas at select IndianOil Retail outlets. The MTV-Citibank card is your passport to get free entry to discotheques, discounts at pool parlours. It also fetches you rewards Points that can be exchanged for exciting MTV Style Clothing and accessories gift vouchers. Use your Hutch Citibank Card to pay bills, shop or travel and you earn talk points that can be exchanged for free air time on Hutch. You can also buy any handset at Hutch outlets and pay back in 3 EMIs with O% interest.
Citibank Women’s card
Designed solely for women, the card gives you discounts in beauty and health products apart from entertainment and shopping. Reward points can be exchanged for gifts.
Citibank Women’s Visa Mini Card
From jewellery to apparel and beauty accessories to restaurants and cafes, you name it and the card brings you stunning discounts.And this is apart from the benefits you get while shopping with special Citi partners including Oyzterbay, The Home Store, Hidesign, Shahnaz Husain and Javed Habib. So what are you waiting for?
BY A CORRESPONDENT
BUSINESS - STANDARD CHARTERED BANK INDIA CREDIT CARD ROUNDUP
A round-up of all the credit card offerings from Standard Chartered Bank India
BY A CORRESPONDENT
The Standard Chartered Gold Card
Privileged access is Standard Chartered’s mantra. Your Standard Chartered Gold Card gets you a health check-up at the best hospitals in your city. And if you get free stay for your spouse at 5-star hotels would you mind? When you travel on work or leisure, pay with your Gold Card and your spouse gets to stay with you, absolutely free in select hotels.The Standard Chartered Gold Card ensures your entry into exclusive airport lounges in Delhi, Chennai, Kolkata and Bangalore. Your privileges also include complimentary non-alcoholic beverages and snacks.The membership fees for the global card is 1000 and annual fee is 2000. Annual fee for each supplementary card is 1000 and add-on card is 2000.
The Standard Chartered Rotary Card
A Rotary Intenational –Standard Chartered joint venture, Rotary Card is a social service service as well in that 25% of the enrollment fee paid for the credit card would be contributed to the Rotary Foundation. The card also gets you health check-up at select hospitals, free access to airport lounges at major domestic and international airports and Holiday Packages with a discount from Resorts Condominium International. Free Stay for spouse at select units of Taj Hotels is another attraction, apart from discounts at International airports You also earn a reward point for every Rs 125 spent in India and Rs 80 abroad. The points can be redeemed to you card renewal fee or for other offers. Rotary Card gives you a balance transfer option at 0.99% for the first 6 months. Any purchase above Rs 50,000 gets automatically insured against fire and theft for 180 days. Revolving credit option gives the luxury of paying 5% of outstanding every month. The card is available in 23 major destinations in India.
The Standard Chartered SAPNAY CARD
Coming at a price of Rs 400, the card fetches you high-value purchases at low interest rates through Instabuy scheme. You get a supplementary card for Rs 250 and an add-on card for the same amount. Insurance benefits are all yours.
The Standard Chartered Wildlife card
You automatically make a contribution to the wildlife every time you spend with this card, apart from an array of benefits for the card holder: That is wildlife card for you. Free membership to Le Wildlife club would enable you to avail discounts at wildlife & nature resorts is up for grabs at an an enrollment fee of Rs 1,299, valid for four years.
The Standard Chartered RCI Gold Cards
The first leisure cards exclusively for RCI members, gives you exclusive travel and special offers at RCI resorts around the world. Two vouchers worth Rs 500 can be replenished annually. The complimentary guest certificate waives the guest fee of Rs 1500 for RCI members. Huge discounts on air travel and access to airport lounges are yours for the asking.
The Standard Chartered Air Sahara Gold Card
The card is, as the saying goes, is tailor-made for the jet-setter in you. This essentially means that the benefits are basically in the form of travel incentives. This would translate into taking you r companion with you for free when you fly on Air Sahara or taking your children with you when you fly with your spouse, again for free. The secondary or voucher tickets would be one-way or return, depending on whether the ticket is one-way or return. Complimentary upgrade to business class on Air Sahara again would not be a surprise anymore with the card. The card enrolls you to the Cosmos-Air Sahara flier programme, thereby earning you earning you air miles even while you are not traveling, by just spending through the card. The cosmos miles again can be redeemed for Sahara air tickets. Access to Air Sahara Business Royale Airport Lounges with complimentary snacks and non-alcoholic beverages comes with the card. A priority check-in at Sahara Royale business class counters and complimentary allowance for excess baggage up to 30 kgs are supplementary features of the card. An exclusive 5% cut in tickets for Air Sahara apex and full fare is again yours, provided you go to Air Sahara counters. The annual fee is 3000 and supplementary card would cost you 1000.
The Standard Chartered Executive Card
For professionals on the move, this is The Card. The travel protection plan attached to this would mean that for lost checked in baggage you earn an amount of up to $ 1200. If baggage is not received within three hours of arrival of an international flight and 6 hours of arrival of a domestic flight, you get a sum of up to $ 300. If there is a delay in departure for 12 hours or more you gain a consolation of $300 and loss of passport or visa while traveling abroad would get you $375. The hijack risk coverage would mean you would get a maximum of $6000 at the rate $250 per hour, for a maximum period of 24 hours, which starts from 12 hours after hijacking. That is some consolation.Discounts of 3.5% on basic domestic fares and 5% on basic international fares can be yours if tickets are booked through Carlson Wagonlit or Sita Travels. Purchases made are insured against fire or theft, subject to a maximum of Rs 25,000 for 180 days from the date of purchase.The card would cost you an entrance fee of Rs 300 and an annual fee of Rs 1,200. Annual fee for supplementary card is Rs 500 and add-on card is Rs 575.
The Standard Chartered Classic Card
Gives you an insurance cover of Rs 6,25,000 for air mishaps and a lakh for rail/road mishaps. Accidental deaths due to pedestrian/Motorcycle mishaps would fetch Rs 50,000, apart from all regular card benefits. The entrance fee is Rs 100 and annual fee is Rs 700 (from year 1). Annual fee for supplementary card is Rs 350 and add-on card is Rs 400.
The Standard Chartered Cricket Card
If you are in love with the red cherry, you should have this. For this card enables you to book tickets for international cricket matches from your city. And you get double reward points on any transactions made on the card on the day after India wins any one-day international match. Now, that is every now and then. Annual fee is Rs 1500 (For 4 years). Renewal fee from year 5 onwards would be Rs 750. Annual fee for each supplementary card is Rs 350 and add-on card is Rs 400.
The Standard Chartered Mini Card
With the card comes a slew of SMS and e-mail contests with attractive prizes. Access to cool deals locally as well as big brand offers are all in the game. The annual fee is Rs 349 and renewal fee is 499.
The Standard Chartered Marathon card
This is for those who want to run that extra mile. Literally. With a pair of Reebok 3d runner shoes, which comes free with every card, you would certainly do that. Marathon card members gets supplementary card for free. You spend Rs 900 every month and get eligible to win Reebok Treadmills worth Rs 2.45,000 each for a period of 8 months. Each purchase up to Rs 15,000 is protected against fire and theft for a period of 180 days. Also earn a reward point for every Rs 125 spent in India and Rs 80 abroad.
The Standard Chartered Diva Card
Welcome to the fairer sex. Most women would aspire for a specialized health check-up. And this come to you for free in select leading hospitals in the country. This offer is valid only till Sept 30th 2005. And if you want to book your movie tickets, pay bills and organize a Birthday party you have to just call 1600 44 6111. The special Les Concierges service would do it for the DIVA card holder. Now isn’t that a wide array of plastic money with specialised tags for all and sundry? Take a bet.
BY A CORRESPONDENT
A round-up of all the credit card offerings from Standard Chartered Bank India
BY A CORRESPONDENT
The Standard Chartered Gold Card
Privileged access is Standard Chartered’s mantra. Your Standard Chartered Gold Card gets you a health check-up at the best hospitals in your city. And if you get free stay for your spouse at 5-star hotels would you mind? When you travel on work or leisure, pay with your Gold Card and your spouse gets to stay with you, absolutely free in select hotels.The Standard Chartered Gold Card ensures your entry into exclusive airport lounges in Delhi, Chennai, Kolkata and Bangalore. Your privileges also include complimentary non-alcoholic beverages and snacks.The membership fees for the global card is 1000 and annual fee is 2000. Annual fee for each supplementary card is 1000 and add-on card is 2000.
The Standard Chartered Rotary Card
A Rotary Intenational –Standard Chartered joint venture, Rotary Card is a social service service as well in that 25% of the enrollment fee paid for the credit card would be contributed to the Rotary Foundation. The card also gets you health check-up at select hospitals, free access to airport lounges at major domestic and international airports and Holiday Packages with a discount from Resorts Condominium International. Free Stay for spouse at select units of Taj Hotels is another attraction, apart from discounts at International airports You also earn a reward point for every Rs 125 spent in India and Rs 80 abroad. The points can be redeemed to you card renewal fee or for other offers. Rotary Card gives you a balance transfer option at 0.99% for the first 6 months. Any purchase above Rs 50,000 gets automatically insured against fire and theft for 180 days. Revolving credit option gives the luxury of paying 5% of outstanding every month. The card is available in 23 major destinations in India.
The Standard Chartered SAPNAY CARD
Coming at a price of Rs 400, the card fetches you high-value purchases at low interest rates through Instabuy scheme. You get a supplementary card for Rs 250 and an add-on card for the same amount. Insurance benefits are all yours.
The Standard Chartered Wildlife card
You automatically make a contribution to the wildlife every time you spend with this card, apart from an array of benefits for the card holder: That is wildlife card for you. Free membership to Le Wildlife club would enable you to avail discounts at wildlife & nature resorts is up for grabs at an an enrollment fee of Rs 1,299, valid for four years.
The Standard Chartered RCI Gold Cards
The first leisure cards exclusively for RCI members, gives you exclusive travel and special offers at RCI resorts around the world. Two vouchers worth Rs 500 can be replenished annually. The complimentary guest certificate waives the guest fee of Rs 1500 for RCI members. Huge discounts on air travel and access to airport lounges are yours for the asking.
The Standard Chartered Air Sahara Gold Card
The card is, as the saying goes, is tailor-made for the jet-setter in you. This essentially means that the benefits are basically in the form of travel incentives. This would translate into taking you r companion with you for free when you fly on Air Sahara or taking your children with you when you fly with your spouse, again for free. The secondary or voucher tickets would be one-way or return, depending on whether the ticket is one-way or return. Complimentary upgrade to business class on Air Sahara again would not be a surprise anymore with the card. The card enrolls you to the Cosmos-Air Sahara flier programme, thereby earning you earning you air miles even while you are not traveling, by just spending through the card. The cosmos miles again can be redeemed for Sahara air tickets. Access to Air Sahara Business Royale Airport Lounges with complimentary snacks and non-alcoholic beverages comes with the card. A priority check-in at Sahara Royale business class counters and complimentary allowance for excess baggage up to 30 kgs are supplementary features of the card. An exclusive 5% cut in tickets for Air Sahara apex and full fare is again yours, provided you go to Air Sahara counters. The annual fee is 3000 and supplementary card would cost you 1000.
The Standard Chartered Executive Card
For professionals on the move, this is The Card. The travel protection plan attached to this would mean that for lost checked in baggage you earn an amount of up to $ 1200. If baggage is not received within three hours of arrival of an international flight and 6 hours of arrival of a domestic flight, you get a sum of up to $ 300. If there is a delay in departure for 12 hours or more you gain a consolation of $300 and loss of passport or visa while traveling abroad would get you $375. The hijack risk coverage would mean you would get a maximum of $6000 at the rate $250 per hour, for a maximum period of 24 hours, which starts from 12 hours after hijacking. That is some consolation.Discounts of 3.5% on basic domestic fares and 5% on basic international fares can be yours if tickets are booked through Carlson Wagonlit or Sita Travels. Purchases made are insured against fire or theft, subject to a maximum of Rs 25,000 for 180 days from the date of purchase.The card would cost you an entrance fee of Rs 300 and an annual fee of Rs 1,200. Annual fee for supplementary card is Rs 500 and add-on card is Rs 575.
The Standard Chartered Classic Card
Gives you an insurance cover of Rs 6,25,000 for air mishaps and a lakh for rail/road mishaps. Accidental deaths due to pedestrian/Motorcycle mishaps would fetch Rs 50,000, apart from all regular card benefits. The entrance fee is Rs 100 and annual fee is Rs 700 (from year 1). Annual fee for supplementary card is Rs 350 and add-on card is Rs 400.
The Standard Chartered Cricket Card
If you are in love with the red cherry, you should have this. For this card enables you to book tickets for international cricket matches from your city. And you get double reward points on any transactions made on the card on the day after India wins any one-day international match. Now, that is every now and then. Annual fee is Rs 1500 (For 4 years). Renewal fee from year 5 onwards would be Rs 750. Annual fee for each supplementary card is Rs 350 and add-on card is Rs 400.
The Standard Chartered Mini Card
With the card comes a slew of SMS and e-mail contests with attractive prizes. Access to cool deals locally as well as big brand offers are all in the game. The annual fee is Rs 349 and renewal fee is 499.
The Standard Chartered Marathon card
This is for those who want to run that extra mile. Literally. With a pair of Reebok 3d runner shoes, which comes free with every card, you would certainly do that. Marathon card members gets supplementary card for free. You spend Rs 900 every month and get eligible to win Reebok Treadmills worth Rs 2.45,000 each for a period of 8 months. Each purchase up to Rs 15,000 is protected against fire and theft for a period of 180 days. Also earn a reward point for every Rs 125 spent in India and Rs 80 abroad.
The Standard Chartered Diva Card
Welcome to the fairer sex. Most women would aspire for a specialized health check-up. And this come to you for free in select leading hospitals in the country. This offer is valid only till Sept 30th 2005. And if you want to book your movie tickets, pay bills and organize a Birthday party you have to just call 1600 44 6111. The special Les Concierges service would do it for the DIVA card holder. Now isn’t that a wide array of plastic money with specialised tags for all and sundry? Take a bet.
BY A CORRESPONDENT
BUSINESS - ABN AMRO CREDIT CARD INFORMATION
ABN Amro Credit Cards: Freedom, Smart Gold
Overspending is the worst fear of many credit card holders. And a constant check to curb this tendency is what any card holder would like to have. It is exactly this mechanism which ABN Amro Freedom Credit Card offers you. So how does this mechanism work?
BY A CORRESPONDENT
ABN AMRO FREEDOM CREDIT CARD
This feature of the Freedom Credit Card actually dons the role of a regulator. To be precise you regulate your own spending habits through your card. A limit can be set by yourself on how much you can spend through your card. In other words, the Freedom Credit Card holder assigns a limit for himself. This is a flexible option since if you have an idea of your limited resources during a certain period of time, say three months. You can assign the limit you can afford to spend by just making a telephone call to the Bank by Phone Executive, who will reduce the limit. In case, you want the credit limit to be raised to the original level again, the same option can be followed. The card holder can also work as a regulator of his her additional card holders, which is all the more important. The card holder can assign a specific percentage of his/her credit limit for use by each of the additional card holders like spouse, children etc. The idea is to share your finances with your kith and kin and at the same time exercise some sort of control over it. You get one free add-on card for your spouse, parents, children over 18 years dependent brothers or sisters. Alerts: Every time your are reminded about your spending pattern, you would be able to exercise better control over your impulse to spend. This is extremely essential in the fast-paced modern scenario in which you hardly get time to go a routine check of what your spending limit is and how you have utilized your credit card. Active Alerts of the Freedom Card is essentially a service which keeps you updated on yourself in the form of friendly e-mails and SMS at regular intervals. These friendly messages would highlight the key transactions you have made. So the reminder about your spending it self works as a check against a probable impulse to overspend. At the end of the year, many people wouldn’t have the time to do an analysis of what, where and how you have spent your money. The absence of this is the reason why many people end up abusing rather than using their credit cards. The Year-end Statement Summary of the Freedom Credit Card offers you exactly the pattern of your spending during the year. It provides a consolidated categorized summary of your spending vis-à-vis, food clothing, jewellery etc. The scientific analysis helps you spend better, for sure. The Freedom Card gives 50 days of interest free credit on your purchases, with a rider that you pay your outstandings in full. The card holder also can pay in installments by remitting 5% of the total outstandings each month and opt for payment of balance in installments which suit you. But this is not applicable to cash advances taken through credit card. Outstanding balance on any of your current credit cards can be transferred at 1.49% per month (rate valid only for six months).Cash can be accessed at 30% of your credit card limit from any ATMs. A transaction fee of 2.5% will be applicable on all cash withdrawals. A finance charge will also be applicable from withdrawal date to settlement date for cash advances. In case you have insufficient funds for a draft, you can make a draft on credit through phone banking. This can be used to make payments even to places that do not currently accept credit cards. Moreover you earn bonus points every time you use the card. This can be exchanged for exclusive gifts including card renewal fee. Use the card for Rs 100 and get 2 points. Discounts of up to 3% on domestic travel and 5% on international travel an be availed with the card for tickets brought through SITA World Travel. Discounts in select hotels also come with the card.A car rental discount of 15% can be availed when you rent a car from Hertz. The global calling card allows you to make international phone calls. The billing will come in you monthly statement. You pay in Indian Rupees. Insurance cover is another attraction. While the actual cost is Rs 360, for air mishaps you get Rs 6,00,000. For an actual cost of Rs 45 you get 1,00,000 for other mishaps. In case you Freedom card is lost or stolen, while you are abroad the Mastercard Global Assistance would provide you emergency cash or even an emergency card. The Freedom card comes to you at an annual fee of Rs 595.
ABN AMRO SMART GOLD CARD
Smart Gold earns you 2 bonus points for every Rs 100 you spend. If it sis an international transaction you earn 3 points for Rs 100. The points can be converted to smart miles and redeemed against free tickets. The smart miles programme allows you to get the flexibility of flying any airline to any destination. The redemption is also against full fare as well as apex fare. This can be used for part payment of fares as well as hotel stay. You pay the rest with your ABN Amro Gold Card. The same is applicable for purchase of mechandise. Smart Reward points can be redeemed at select BPCL outlets also. Accumulate 500 smart reward points for a re-fill. The petro-plus plan offers you 0% surcharge in any pumps in the country. Smart Gold card also various privileges in select hotels in India & abroad, apart from brand discounts. Get a free add-on card for your loved one. In case you need 2 additional cards pay an annual fee. The card offers higher limit than what you are eligible. Smart Gold Card also offers interest free credit for 50 days. Make a part payment of 5% of the total amount (minimum Rs 200) and balance installments. You can withdraw cash up to 30% of your credit limit.
Smart Gold Card offers free personal accident insurance.For loss of life in air mishap you get Rs 15 lakh and other mishaps Rs 5 lakh. For lost or damaged baggage you get up to Rs 10,000. For flight delay in excess for 12 hours and delayed baggage in excess of 12 hours after check in you get Rs 10,000. Loss of passport may fetch you up to Rs 10,000. A car rental discount of 20 % can be availed through the card when you rent a car through Hertz. A 3.5 % discount on domestic air fares and 5% discount on basic international fares also await you. International telephone calls at extremely competitive rates will be available overseas, through the MCI WorldCom global calling card. Billing is through monthly Gold Card and payement can be made in Indian Rupees. Smart Gold Card also offers you complimentary snack and non-alcoholic beverages in international airport lounges in India, in association with Oberoi Airport Service and WelcomGroup Airport Operations in Mumbai, Kolkata, Cochin, Chennai and Delhi airports.
BY A CORRESPONDENT
ABN Amro Credit Cards: Freedom, Smart Gold
Overspending is the worst fear of many credit card holders. And a constant check to curb this tendency is what any card holder would like to have. It is exactly this mechanism which ABN Amro Freedom Credit Card offers you. So how does this mechanism work?
BY A CORRESPONDENT
ABN AMRO FREEDOM CREDIT CARD
This feature of the Freedom Credit Card actually dons the role of a regulator. To be precise you regulate your own spending habits through your card. A limit can be set by yourself on how much you can spend through your card. In other words, the Freedom Credit Card holder assigns a limit for himself. This is a flexible option since if you have an idea of your limited resources during a certain period of time, say three months. You can assign the limit you can afford to spend by just making a telephone call to the Bank by Phone Executive, who will reduce the limit. In case, you want the credit limit to be raised to the original level again, the same option can be followed. The card holder can also work as a regulator of his her additional card holders, which is all the more important. The card holder can assign a specific percentage of his/her credit limit for use by each of the additional card holders like spouse, children etc. The idea is to share your finances with your kith and kin and at the same time exercise some sort of control over it. You get one free add-on card for your spouse, parents, children over 18 years dependent brothers or sisters. Alerts: Every time your are reminded about your spending pattern, you would be able to exercise better control over your impulse to spend. This is extremely essential in the fast-paced modern scenario in which you hardly get time to go a routine check of what your spending limit is and how you have utilized your credit card. Active Alerts of the Freedom Card is essentially a service which keeps you updated on yourself in the form of friendly e-mails and SMS at regular intervals. These friendly messages would highlight the key transactions you have made. So the reminder about your spending it self works as a check against a probable impulse to overspend. At the end of the year, many people wouldn’t have the time to do an analysis of what, where and how you have spent your money. The absence of this is the reason why many people end up abusing rather than using their credit cards. The Year-end Statement Summary of the Freedom Credit Card offers you exactly the pattern of your spending during the year. It provides a consolidated categorized summary of your spending vis-à-vis, food clothing, jewellery etc. The scientific analysis helps you spend better, for sure. The Freedom Card gives 50 days of interest free credit on your purchases, with a rider that you pay your outstandings in full. The card holder also can pay in installments by remitting 5% of the total outstandings each month and opt for payment of balance in installments which suit you. But this is not applicable to cash advances taken through credit card. Outstanding balance on any of your current credit cards can be transferred at 1.49% per month (rate valid only for six months).Cash can be accessed at 30% of your credit card limit from any ATMs. A transaction fee of 2.5% will be applicable on all cash withdrawals. A finance charge will also be applicable from withdrawal date to settlement date for cash advances. In case you have insufficient funds for a draft, you can make a draft on credit through phone banking. This can be used to make payments even to places that do not currently accept credit cards. Moreover you earn bonus points every time you use the card. This can be exchanged for exclusive gifts including card renewal fee. Use the card for Rs 100 and get 2 points. Discounts of up to 3% on domestic travel and 5% on international travel an be availed with the card for tickets brought through SITA World Travel. Discounts in select hotels also come with the card.A car rental discount of 15% can be availed when you rent a car from Hertz. The global calling card allows you to make international phone calls. The billing will come in you monthly statement. You pay in Indian Rupees. Insurance cover is another attraction. While the actual cost is Rs 360, for air mishaps you get Rs 6,00,000. For an actual cost of Rs 45 you get 1,00,000 for other mishaps. In case you Freedom card is lost or stolen, while you are abroad the Mastercard Global Assistance would provide you emergency cash or even an emergency card. The Freedom card comes to you at an annual fee of Rs 595.
ABN AMRO SMART GOLD CARD
Smart Gold earns you 2 bonus points for every Rs 100 you spend. If it sis an international transaction you earn 3 points for Rs 100. The points can be converted to smart miles and redeemed against free tickets. The smart miles programme allows you to get the flexibility of flying any airline to any destination. The redemption is also against full fare as well as apex fare. This can be used for part payment of fares as well as hotel stay. You pay the rest with your ABN Amro Gold Card. The same is applicable for purchase of mechandise. Smart Reward points can be redeemed at select BPCL outlets also. Accumulate 500 smart reward points for a re-fill. The petro-plus plan offers you 0% surcharge in any pumps in the country. Smart Gold card also various privileges in select hotels in India & abroad, apart from brand discounts. Get a free add-on card for your loved one. In case you need 2 additional cards pay an annual fee. The card offers higher limit than what you are eligible. Smart Gold Card also offers interest free credit for 50 days. Make a part payment of 5% of the total amount (minimum Rs 200) and balance installments. You can withdraw cash up to 30% of your credit limit.
Smart Gold Card offers free personal accident insurance.For loss of life in air mishap you get Rs 15 lakh and other mishaps Rs 5 lakh. For lost or damaged baggage you get up to Rs 10,000. For flight delay in excess for 12 hours and delayed baggage in excess of 12 hours after check in you get Rs 10,000. Loss of passport may fetch you up to Rs 10,000. A car rental discount of 20 % can be availed through the card when you rent a car through Hertz. A 3.5 % discount on domestic air fares and 5% discount on basic international fares also await you. International telephone calls at extremely competitive rates will be available overseas, through the MCI WorldCom global calling card. Billing is through monthly Gold Card and payement can be made in Indian Rupees. Smart Gold Card also offers you complimentary snack and non-alcoholic beverages in international airport lounges in India, in association with Oberoi Airport Service and WelcomGroup Airport Operations in Mumbai, Kolkata, Cochin, Chennai and Delhi airports.
BY A CORRESPONDENT
BY A CORRESPONDENT
In the premium card segment,
ICICI has two offerings – The ICICI Solid Gold Credit Card and ICICI Bank American Express Gold Credit card.The Solid Gold Credit Card , accepted internationally at 22 million merchant establishments, provides high credit and cash limits for the holder. The card comes with a complimentary Teleoptima calling card. The card comes with a joining fee of Rs 300, annual fee of Rs 1,500. Supplementary card is charges Rs 750.The card provides personal accident insurance (AIR) cover of up to Rs 20 lakh for the primary card holder. This cover is availabl to card holders up to the age of 69, both in India and abroad. The accident insurance for road/rail mishaps is up to Rs 5 lakhs for the primary card holder. Personal accident insurance cover (Air) for the supplementary card holder is up to Rs 6 lakhs. This is up to Rs 2 lakhs for other mishaps. Primary card members have the hospital benefit policy of up to Rs 50,000 for rail or road mishaps. The card offer s purchase protection for purchase of tangible goods, available for a period of 90 days,. against damage or loss due to fire or burglary. This is available only in India.Household insurance is available on household articles, except valuables like money, jewellery, fur and property otherwise insured, and offers protection against damage or loss due to fire or burglary. Baggage insurance is upto Rs 25,000, valid in India and Nepal excluding cash and jewellery. This is applicable to claims above Rs 2,500 only. Loss of travel documents could fetch up to $ 500 and loss of checked baggage, available on baggage checked by international airline for an international flight, has a cover of up to $ 1200. Delay in receipt of checked baggage, for more than 12 hours from the scheduled arrival time, could get you up to $300. Missing flight due to transshipment could also get you up to $300 provided there is no international flight in the next 6 hours after late arrival by an international flight on an international airline.In case of plane hijack you get up to $ 250 per hour subject to a maximum of 12 hours. The count starts 12 hours after the hijack.
Discounts on basic domestic and international fares are also available, for tickets booked through Carlson Wagonlit Travel or BTI-SITA.
ICICI Bank American Express Gold Credit card
This is a privilege card powered by American Express service with a slew of exclusive benefits. The catalogue based Rewards Programme get you 1 point on every Rs 25 spent. Emergency medical, legal, personal and travel assistance of American Express global network is also at your disposal. Dsicount offers on travel, leisure travel and shopping comes to you throughout the year. A three per cent discount on basic domestic air travel fares and 5% on basic international fares on tickets booked through American Express Travel Service Network is also yours. American Express Travelers Cheque and foreign exchange easily available through American Express Travel Service locations free of commissionsIn co-branded cards segment, a wide variety of offerings come to you from a host of well-known brands teaming up with ICICI. These include Air Deccan, Federal Bank, Punjab and Sindh Bank, Air Tel, Ebony, BPL, Amway, BigBazaar Trinetha, HPCL and Prudential Life.In classic cards segment ICICI has four products.
· ICICI Bank Sterling Silver Credit Card ·
ICICI Bank - American Express® Green Credit Card · ICICI Bank Visa Mini Card · ICICI Bank Easy Deposit Silver Card
The ICICI Bank Sterling Credit card offers special benefits to all members of the family starting with a free Bandhan add-on card. The card offers comprehensive insurance of up to Rs 10 lakh for primary and add-on cards. Household insurance up to Rs 20,000, baggage insurance of up to Rs10,000, hospitalization benefit policy of up to Rs 25,000 and purchase protection of up to Rs 20,000 also come with the card.
ICICI Bank - American Express® Green Credit Card
This earns you one reward points on every Rs 40 you spend. Medical, legal, travel and personal assistance of American Express global network as well as exclusive dining, leisure and shopping benefits of American Express awaits you. The card also has a comprehensive insurance cover of up to Rs 15 lakhs plus discount of 3% on basic domestic fares and 5% on basic international fares on tickets arranged through American Express Travel Service network.
ICICI Bank Visa Mini Card
This comes with a normal size companion card to enable you to use it at ATMs and some establishments that do not have electronic swiping machines. A set of accessories like card casing comes absolutely free with the card. Special offers from Nike, Provogue, Cupid Jewellery from TBZ, Pizza Corner and Rediff merchandise are also showered on you. All this comes with the regular feature of the ICICI Bank Sterling Silver Card.
ICICI Bank Easy Deposit Card
This card is linked to you Fixed Deposit with ICICI Bank.The card has the low interest rate of 0.99% per month. You get 5 reward points for Rs100 spent with ICICI Bank unique Express Rewards programme plus a 2.5 % fuel surcharge waiver on HPCL pumps. Get free insurance cover of upto Rs.20,00,000 on Gold and up to Rs. 10,00,000 on Silver card.. All benefits of regular ICICI Cards also apply.
In Affinity card segment, ICICI has a slew of cards :
ICICI Bank - DENTIST’S Credit Card
· FREE Professional Indemnity Insurance. Electronic Equipment Insurance on EMI, savings on ICICI Bank Medical Equipment Loan with conditions, savings on ICICI Bank Personal Loan and all the benefits of the Sterling Silver Credit Card are yours.
ICICI Bank - Concern India Foundation Credit Card
· Comes with a Free 'Bandhan’ add-on Card. Comprehensive Insurance for both primary and add-on Cards up to Rs. 10 lakhs,
household Insurance upto Rs. 20,000, Baggage Insurance upto Rs.10,000, hospitalisation Benefit Policy up to Rs. 25,000 and balance Transfer at 1.75%. are the benefits apart from all the benefits of the Sterling Silver Credit Card.
ICICI Bank - XLRI Credit Card
· Option to Contribute your Reward Points to your Institute. You fond memories to cherish stays with you always as Picture/ Logo/ 4th Line Embossing. All benefits of the Sterling Silver or Solid Gold Credit Card also apply.
ICICI Bank - Amity Humanity Foundation Credit Card
Gives the option to credit reward points to Amity Humanity Foundation, plus all benefits of Sterling Silver or Solid Gold Credit Cards.
ICICI Bank - ISB Credit Card, ICICI Bank - IIMA Credit Card and ICICI Bank - SPJIMR Credit Card gives the option to contribute your reward points to your institute apart from Sterling Silver or Solid Gold card benefits.
ICICI Bank - HelpAge India Credit Card
Option to credit your bonus points for Helpage India plus Sterling Silver or Solid Gold Card benefits come to you.
ICICI Bank - Karm Mitra Credit Card
Gives the option to credit your reward points to Karam Mitra plus all benefits of Solid Gold credit card.
ICICI Bank - Odyssey Affinity card.
Gives you 10% off on purchases at Odessey stores across all product categories. Home delivery of titles through dial-a-book service and priority queuing at Odessey is yours. Plus all benefits of Sterling Silver card.
ICICI has 2 value for money cards:
· ICICI Bank True Blue Credit Card
Helps you predefine your own spend limits. Visa and MasterCard acceptability across 1,10,000 merchant establishments in India, Dial a draft at 1% and balance transfer at 1.75% are all yours. You get a purchase protection of Rs.10,000 apart from comprehensive travel benefits. Personal Accident Insurance cover of Rs.3 lakhs (air) and Rs. 1 lakh (any other accident) also comes with this.
· ICICI Bank True Value Credit Card
A Gold Rush lucky draw offer that gives over 400 gms of Gold as prize money every month on spends of over Rs.500 per month subject to conditions. Attractive EMI offer at just 7.5% interest p.a. with no processing fee, free Add on Card for life and personal loan up to the available credit limit available at just 10% p.a. and 1% processing fee after 6 months of Card usage is all yours.
The ICICI Bank corporate card
For firms wanting to reward their senior executives this is the way to do it. This is an effective tool in managing the company’s as well as executives’ expenses. This also gives valuable information like monethly reports on individual member card expenses and also cumulative expenses on merchant establishment categories. The Card Member gets to enjoy all the benefits and privileges that come with an ICICI Bank Corporate Card.
In the premium card segment,
ICICI has two offerings – The ICICI Solid Gold Credit Card and ICICI Bank American Express Gold Credit card.The Solid Gold Credit Card , accepted internationally at 22 million merchant establishments, provides high credit and cash limits for the holder. The card comes with a complimentary Teleoptima calling card. The card comes with a joining fee of Rs 300, annual fee of Rs 1,500. Supplementary card is charges Rs 750.The card provides personal accident insurance (AIR) cover of up to Rs 20 lakh for the primary card holder. This cover is availabl to card holders up to the age of 69, both in India and abroad. The accident insurance for road/rail mishaps is up to Rs 5 lakhs for the primary card holder. Personal accident insurance cover (Air) for the supplementary card holder is up to Rs 6 lakhs. This is up to Rs 2 lakhs for other mishaps. Primary card members have the hospital benefit policy of up to Rs 50,000 for rail or road mishaps. The card offer s purchase protection for purchase of tangible goods, available for a period of 90 days,. against damage or loss due to fire or burglary. This is available only in India.Household insurance is available on household articles, except valuables like money, jewellery, fur and property otherwise insured, and offers protection against damage or loss due to fire or burglary. Baggage insurance is upto Rs 25,000, valid in India and Nepal excluding cash and jewellery. This is applicable to claims above Rs 2,500 only. Loss of travel documents could fetch up to $ 500 and loss of checked baggage, available on baggage checked by international airline for an international flight, has a cover of up to $ 1200. Delay in receipt of checked baggage, for more than 12 hours from the scheduled arrival time, could get you up to $300. Missing flight due to transshipment could also get you up to $300 provided there is no international flight in the next 6 hours after late arrival by an international flight on an international airline.In case of plane hijack you get up to $ 250 per hour subject to a maximum of 12 hours. The count starts 12 hours after the hijack.
Discounts on basic domestic and international fares are also available, for tickets booked through Carlson Wagonlit Travel or BTI-SITA.
ICICI Bank American Express Gold Credit card
This is a privilege card powered by American Express service with a slew of exclusive benefits. The catalogue based Rewards Programme get you 1 point on every Rs 25 spent. Emergency medical, legal, personal and travel assistance of American Express global network is also at your disposal. Dsicount offers on travel, leisure travel and shopping comes to you throughout the year. A three per cent discount on basic domestic air travel fares and 5% on basic international fares on tickets booked through American Express Travel Service Network is also yours. American Express Travelers Cheque and foreign exchange easily available through American Express Travel Service locations free of commissionsIn co-branded cards segment, a wide variety of offerings come to you from a host of well-known brands teaming up with ICICI. These include Air Deccan, Federal Bank, Punjab and Sindh Bank, Air Tel, Ebony, BPL, Amway, BigBazaar Trinetha, HPCL and Prudential Life.In classic cards segment ICICI has four products.
· ICICI Bank Sterling Silver Credit Card ·
ICICI Bank - American Express® Green Credit Card · ICICI Bank Visa Mini Card · ICICI Bank Easy Deposit Silver Card
The ICICI Bank Sterling Credit card offers special benefits to all members of the family starting with a free Bandhan add-on card. The card offers comprehensive insurance of up to Rs 10 lakh for primary and add-on cards. Household insurance up to Rs 20,000, baggage insurance of up to Rs10,000, hospitalization benefit policy of up to Rs 25,000 and purchase protection of up to Rs 20,000 also come with the card.
ICICI Bank - American Express® Green Credit Card
This earns you one reward points on every Rs 40 you spend. Medical, legal, travel and personal assistance of American Express global network as well as exclusive dining, leisure and shopping benefits of American Express awaits you. The card also has a comprehensive insurance cover of up to Rs 15 lakhs plus discount of 3% on basic domestic fares and 5% on basic international fares on tickets arranged through American Express Travel Service network.
ICICI Bank Visa Mini Card
This comes with a normal size companion card to enable you to use it at ATMs and some establishments that do not have electronic swiping machines. A set of accessories like card casing comes absolutely free with the card. Special offers from Nike, Provogue, Cupid Jewellery from TBZ, Pizza Corner and Rediff merchandise are also showered on you. All this comes with the regular feature of the ICICI Bank Sterling Silver Card.
ICICI Bank Easy Deposit Card
This card is linked to you Fixed Deposit with ICICI Bank.The card has the low interest rate of 0.99% per month. You get 5 reward points for Rs100 spent with ICICI Bank unique Express Rewards programme plus a 2.5 % fuel surcharge waiver on HPCL pumps. Get free insurance cover of upto Rs.20,00,000 on Gold and up to Rs. 10,00,000 on Silver card.. All benefits of regular ICICI Cards also apply.
In Affinity card segment, ICICI has a slew of cards :
ICICI Bank - DENTIST’S Credit Card
· FREE Professional Indemnity Insurance. Electronic Equipment Insurance on EMI, savings on ICICI Bank Medical Equipment Loan with conditions, savings on ICICI Bank Personal Loan and all the benefits of the Sterling Silver Credit Card are yours.
ICICI Bank - Concern India Foundation Credit Card
· Comes with a Free 'Bandhan’ add-on Card. Comprehensive Insurance for both primary and add-on Cards up to Rs. 10 lakhs,
household Insurance upto Rs. 20,000, Baggage Insurance upto Rs.10,000, hospitalisation Benefit Policy up to Rs. 25,000 and balance Transfer at 1.75%. are the benefits apart from all the benefits of the Sterling Silver Credit Card.
ICICI Bank - XLRI Credit Card
· Option to Contribute your Reward Points to your Institute. You fond memories to cherish stays with you always as Picture/ Logo/ 4th Line Embossing. All benefits of the Sterling Silver or Solid Gold Credit Card also apply.
ICICI Bank - Amity Humanity Foundation Credit Card
Gives the option to credit reward points to Amity Humanity Foundation, plus all benefits of Sterling Silver or Solid Gold Credit Cards.
ICICI Bank - ISB Credit Card, ICICI Bank - IIMA Credit Card and ICICI Bank - SPJIMR Credit Card gives the option to contribute your reward points to your institute apart from Sterling Silver or Solid Gold card benefits.
ICICI Bank - HelpAge India Credit Card
Option to credit your bonus points for Helpage India plus Sterling Silver or Solid Gold Card benefits come to you.
ICICI Bank - Karm Mitra Credit Card
Gives the option to credit your reward points to Karam Mitra plus all benefits of Solid Gold credit card.
ICICI Bank - Odyssey Affinity card.
Gives you 10% off on purchases at Odessey stores across all product categories. Home delivery of titles through dial-a-book service and priority queuing at Odessey is yours. Plus all benefits of Sterling Silver card.
ICICI has 2 value for money cards:
· ICICI Bank True Blue Credit Card
Helps you predefine your own spend limits. Visa and MasterCard acceptability across 1,10,000 merchant establishments in India, Dial a draft at 1% and balance transfer at 1.75% are all yours. You get a purchase protection of Rs.10,000 apart from comprehensive travel benefits. Personal Accident Insurance cover of Rs.3 lakhs (air) and Rs. 1 lakh (any other accident) also comes with this.
· ICICI Bank True Value Credit Card
A Gold Rush lucky draw offer that gives over 400 gms of Gold as prize money every month on spends of over Rs.500 per month subject to conditions. Attractive EMI offer at just 7.5% interest p.a. with no processing fee, free Add on Card for life and personal loan up to the available credit limit available at just 10% p.a. and 1% processing fee after 6 months of Card usage is all yours.
The ICICI Bank corporate card
For firms wanting to reward their senior executives this is the way to do it. This is an effective tool in managing the company’s as well as executives’ expenses. This also gives valuable information like monethly reports on individual member card expenses and also cumulative expenses on merchant establishment categories. The Card Member gets to enjoy all the benefits and privileges that come with an ICICI Bank Corporate Card.
Subscribe to:
Posts (Atom)