Verified 6 Aug
Sarojini Chakraborty
Asked 28 Mar 2026
I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.
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I already have a ICICI Bank credit card. Can I apply for another card from the same bank? Will it affect my credit score?
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
