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Is a ICICI Bank credit card good for frequent travellers?

Vimala Kamath

Asked 11 May 2026

12

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

18
Brinda Borah·28 Apr 2026

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.

1
Sarojini Modak·11 Apr 2026

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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