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 commissions

In 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.

BY A CORRESPONDENT