Is a ICICI Bank credit card good for frequent travellers?
Vimala Kamath
Asked 11 May 2026
Reviews of ICICI Bank credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for first-time credit card users?
2 Answers
I closed my HDFC card last year. The process took exactly 7 days. They sent a confirmation email and a closure letter by speed post. Tip: pay off the full outstanding and request closure only AFTER the payment reflects. Calling repeatedly with a zero balance is the fastest path.
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
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