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Global Indian Credit Card |
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What is the Global Indian Credit Card?
The Global Indian Credit Card is an INR denominated Credit Card.
It is issued to NRI customers of ICICI bank on the basis of
the value of the Fixed Deposits they hold with the bank. |
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Who is eligible for the card?
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Issued to majors less than 70 years of age |
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Issued only to primary account holders |
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The applicant needs to have either an NRE/NRO/FCNR fixed deposit with a minimum balance of INR 100,000 to avail the silver Credit Card |
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The applicant needs to have either an NRE/NRO/FCNR fixed deposit with a minimum balance of INR 500,000 to avail the gold Credit Card |
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All applicants would need to have an operative account with ICICI Bank (either an NRE or an NRO Savings account) |
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All applicants would need to have an email id |
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What are the extra benefits that ICICI Bank's Global Indian Credit Card offer?
ICICI Bank's Global Indian Credit Card is the only Credit Card in the country that is tailored to the needs of NRIs.
The Global Indian Credit Cards offer the following benefits to its users:
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Unlike a Foreign Currency denominated Credit Card issued to NRIs overseas, the Global Indian Credit Card is INR denominated |
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This may also be gifted to a family member, for their use in India |
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ICICI Credit Cards have wide acceptance across the country |
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What are the features and benefits of the Global Indian Silver Credit Card? How is it different from the Global Indian Gold Credit Card?
The benefits of the Global Indian Gold and Silver Credit Cards
are compared here:
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Feature |
Silver |
Gold |
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Acceptance |
International |
International |
Joining Fee |
INR 750 |
INR 1500 |
Annual fee |
INR 750 |
INR 1500 |
Supplementary Card Fees |
INR 750 |
INR 1500 |
Service Charges for Revolving Credit* |
2.95% |
Limited Lost Card Liability (Post reporting) |
Nil |
Nil |
Xpress Reward Points |
ICICI Bank Xpress Rewards Program, allows the card holder to earn upto 10 reward points for every INR 200 spent on higher card usage and redeem these points against the next year's renewal fees or outstandings. |
Internet Web based access |
Yes |
Yes |
HP fuel surcharge reversal |
Yes |
Yes |
Access to ICICI Bank 24-Hour Customer Care Centre |
Yes |
Yes |
Revolving Credit facility* |
Yes |
Yes |
Free Credit Period (Applicable provided the Total payment due shown in the previous statement is settled in full) |
Min: 20 days; Max : 50 days |
Min: 22 days; Max: 52 days |
Personal Accident Insurance (Air) - Primary Cardholder* |
Upto INR 10 Lacs. |
Upto INR 20 Lacs. |
Personal Accident Insurance (Any other accident) - Primary Cardholder* |
Upto INR 1 Lac. |
Upto INR 3 Lac. |
Personal Accident Insurance (Air) - Supplementary Cardholder* |
Upto INR 3 Lacs. |
Upto INR 6 Lacs. |
Personal Accident Insurance (Any other accident) - Supplementary Cardholder* |
Upto INR 1 Lacs. |
Upto INR 2 Lacs. |
Purchase Protection upto 90 days* |
Upto INR 20,000 |
Upto INR 40,000 |
Baggage Insurance* |
Upto INR 10,000 |
Upto INR 25,000 |
Loss of Travel Documents* |
Upto $500 |
Upto $500 |
Loss of Checked Baggage* |
Upto $1200 |
Upto $1200 |
Delay in Receipt of Checked Baggage* |
Upto $300 |
Upto $300 |
Missing flight due to Transhipment* |
Upto $300 |
Upto $300 |
Plane Hijacking* |
Upto $250 Per Hour |
Upto $250 Per Hour |
Delay in Flight* |
Upto $250 |
Upto $250 |
Travel Bookings Tie-up |
International Travel House |
International Travel House |
Discount on Basic Domestic airfares |
3.5% |
3.5% |
Discount on Basic International airfares |
5% |
5% |
Forex and Travel Cheque Services |
Yes |
Yes |
Global Emergency Assistance Services |
Yes |
Yes |
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*Conditions apply. |
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On which fixed deposits can the benefit of Global Indian Credit Cards be availed?
The Global Indian Credit Cards may be availed on any of the
following NRI deposits:
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Fixed Deposit |
Minimum Balance
(INR)* |
Eligible for Credit Card |
NRE/NRO/FCNR |
100,000 |
Silver |
NRE/NRO/FCNR |
500,000 |
Gold |
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*The amount held in FCNR in foreign currency should be equivalent to INR.
Please note that the Credit Cards cannot be issued against
multiple Fixed Deposits, with the total value of the deposits
equal to the minimum requirement.
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How should a customer apply for the Global Indian Credit Card in case he already has an NRI account relationship with ICICI Bank?
In case the customer already has an NRI FD (NRE/NRO/FCNR) and an Operative Account (NRE SB/NRO SB) with ICICI Bank, he can apply for the Global Indian Credit Card by sending the duly-filled application form to ICICI Bank:
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Please click here for the application form |
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How should a customer apply for a Global Indian Credit Card,
in case he does not hold an NRI account relationship with ICICI Bank?
In case the customer does not have an NRI FD (NRE/NRO/FCNR) and an Operative Account (NRE SB/NRO SB) with ICICI Bank, he can apply for the Global Indian Credit Card,
only after he has opened the above-mentioned FD and savings account.
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The Credit Card is available only to customers who have a NRI deposit account and an NRI savings account with us. To begin a new relationship with ICICI Bank, the Relationship Form should be downloaded from here. |
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The KYC Documents as per the current guidelines for opening new accounts should also be downloaded from here |
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The account can be funded by wire-transferring the funds, or simply sending us the Monetary instrument along with the duly filled in relationship form |
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Global Indian Card application form, duly filled in |
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Once all these duly-filled in documents are received at ICICI Bank, the Credit Card will be issued to the customer |
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How can the Credit Card dues be paid? |
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The payment would be made using the auto debit route from the NRE-SB or NRO-SB account |
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The total amount due as per the statement would be debited from the operative account on the due date, based on customer's instructions |
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The customer is given a credit period of 60 days after the payment due date, during which he would need to settle the Credit Card dues, failing which the Fixed Deposit would automatically be closed and the proceeds used to settle the dues |
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