ICICI Bank Parakram Credit Card specially eligible Indian Armed Forces personnel ke liye design kiya gaya ek exclusive credit card hai. Yeh card defence personnel ki everyday spending ko dhyan me rakhkar banaya gaya hai aur zero joining aur annual fee ke saath rewards, travel aur lifestyle benefits ka accha combination offer karta hai.
Cardholders ko CSD (Canteen Stores Department), grocery aur selected categories me 5X Reward Points milte hain, jabki baaki eligible transactions par bhi Reward Points earn kiye ja sakte hain. Iske alawa complimentary railway lounge access, ICICI Bank Culinary Treats Programme ke dining offers aur fuel surcharge waiver jaise benefits bhi is card ki overall value ko aur behtar banate hain.
Security ke liye card me EMV chip technology di gayi hai, jo transactions ko zyada secure banati hai aur card cloning ya fraud ke risk ko kam karne me madad karti hai.
Aage is review me hum ICICI Bank Parakram Credit Card ke Reward Points, railway lounge access, features, fees, eligibility, pros aur cons ko detail me samjhenge, taaki aap aasani se decide kar saken ki yeh card aapki spending aur lifestyle needs ke hisaab se sahi choice hai ya nahi.
ICICI Bank Parakram Credit Card
Rewards and Benefits
›Dining benefits with ICICI Bank Culinary Treats Programme
Rs. 99 will be charged on every reward redemption request
One Domestic Airport Lounge Visit Each Quarter
N/A
5X reward points for every Rs. 100 spent on CSDs, groceries, and departmental stores and 1 reward point for every Rs. 100 spent on all other expenses
N/A
N/A
Personal accident insurance of Rs. 2 Lakh and Air Accident Cover of Rs. 20 Lakh
Fees & Charges
›N/A
3.40% per month or 40.8% annually
Rs. 99 per reward redemption request
1% fuel surcharge waiver on all fuel transactions
3.5% per month or 42% annually
2.50% of the withdrawn amount or a minimum of Rs. 300
Product Details
›- CSD, grocery stores aur departmental stores par har ₹100 ke spend par 5X Reward Points (maximum 1,000 Reward Points per month).
- Baaki eligible spends par har ₹100 ke spend par 1 ICICI Reward Point earn karein.
- Fuel, cash withdrawals, balance transfer, EMI, fees aur bank ki excluded categories par Reward Points applicable nahi hote.
- Bharat bhar ke eligible fuel stations par 1% fuel surcharge waiver ka benefit.
- ₹2 lakh ka Personal Accident Insurance aur ₹20 lakh ka Air Accident Insurance Cover.
- 3 tak complimentary add-on credit cards bina kisi additional annual fee ke.
- ICICI Bank Culinary Treats Programme ke through partner restaurants par exclusive dining discounts.
Pros/Cons
›- CSD, grocery aur departmental store purchases par 5X Reward Points milte hain, jo defence personnel ke regular spending pattern ke hisaab se kaafi valuable hain.
- Zero joining aur annual fee ke saath complimentary railway lounge access, insurance cover aur fuel surcharge waiver jaise practical benefits milte hain.
- Yeh card sirf eligible Indian Armed Forces personnel ke liye available hai, isliye general public iske liye apply nahi kar sakti.
- Airport lounge aur premium travel benefits is card me limited hain. Agar aap frequent air traveller hain, to Parakram Select ya kisi premium travel credit card se zyada value mil sakti hai.
ICICI Bank Parakram Credit Card Features and Benefits
ICICI Bank Parakram Credit Card specially eligible Indian Armed Forces personnel ke liye design kiya gaya hai. Yeh card everyday spending par accelerated rewards ke saath dining, travel aur insurance benefits bhi offer karta hai.
Reward Points
Eligible transactions par aap ICICI Reward Points earn kar sakte hain.
- CSD, grocery stores aur departmental stores par har ₹100 ke spend par 5X Reward Points milte hain (maximum 1,000 Reward Points per month).
- Baaki eligible spends par har ₹100 ke spend par 1 ICICI Reward Point milta hai.
- Fuel, cash withdrawals, balance transfer, EMI, fees, charges aur bank ki excluded categories par Reward Points earn nahi hote.
Reward Points Redemption
Earn kiye gaye ICICI Reward Points ko ICICI Bank ke eligible redemption options ke liye use kiya ja sakta hai.
- Reward Points ko gift vouchers, merchandise, statement credit aur doosre eligible rewards ke liye redeem kar sakte hain.
- 1 ICICI Reward Point = ₹0.25 ke barabar hota hai.
- Har redemption request par ₹99 + GST ki redemption fee applicable hai.
Dining Benefits
- ICICI Bank Culinary Treats Programme ke through selected partner restaurants par exclusive dining discounts aur offers ka benefit milta hai.
Domestic Airport Lounge Access
- Har quarter 1 complimentary domestic airport lounge visit ka benefit diya jata hai, bank ki applicable terms aur conditions ke anusar.
Insurance Benefits
Cardholders ko additional financial protection ke liye insurance cover bhi milta hai.
- Personal Accident Insurance – ₹2 Lakh
- Air Accident Insurance Cover – ₹20 Lakh
ICICI Bank Parakram Credit Card Fees and Charges
ICICI Bank Parakram Credit Card ke saath koi joining ya annual fee nahi lagti, jis wajah se yeh eligible defence personnel ke liye ek cost-effective credit card ban jata hai. Neeche is card ke important charges diye gaye hain.
| Charges | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Reward Redemption Fee | ₹99 + GST per redemption request |
| Interest Rate | 3.40% per month (40.80% per annum) |
| Forex Markup Fee | 3.5% on international transactions |
| Cash Advance Fee | 2.5% of the withdrawn amount (minimum ₹300) |
Note: Credit card se cash withdrawal karne par cash advance fee ke saath interest bhi transaction ki date se lagna shuru ho sakta hai. Isi tarah, forex markup fee sirf foreign currency me kiye gaye transactions par applicable hoti hai.
Bottom Line
ICICI Bank Parakram Credit Card specially eligible Indian Armed Forces personnel ke liye design kiya gaya hai. Yeh card zero joining aur annual fee ke saath everyday spending par achhi value offer karta hai. Iska reward program defence personnel ki spending habits ko dhyan me rakhkar banaya gaya hai, jahan CSD, grocery aur departmental store purchases par 5X Reward Points milte hain.
Card ke saath complimentary railway lounge access, fuel surcharge waiver, insurance cover aur ICICI Bank Culinary Treats Programme ke dining offers bhi milte hain, jo isse daily use ke liye ek practical option banate hain. Saath hi, complimentary add-on cards aur zero annual fee is card ki overall value ko aur badha dete hain.
Halaanki, yeh card sirf eligible defence personnel ke liye available hai aur premium travel benefits, jaise international lounge access ya golf privileges, isme shamil nahi hain. Agar aapko zyada travel benefits aur higher reward rate chahiye, to ICICI Bank Parakram Select Credit Card ya doosre premium travel credit cards ko bhi compare karna behtar rahega.
Agar aap Indian Armed Forces se belong karte hain aur zero annual fee ke saath strong rewards, railway lounge access aur everyday savings wala credit card chahte hain, to ICICI Bank Parakram Credit Card ek value-for-money choice ho sakta hai.
FAQs
ICICI Bank Parakram Credit Card ka interest rate kitna hai?
ICICI Bank Parakram Credit Card par 3.40% per month ka finance charge applicable hai, jo lagbhag 40.80% per annum ke barabar hota hai.
Kya ICICI Bank Parakram Credit Card ke saath complimentary golf benefits milte hain?
Nahi. ICICI Bank Parakram Credit Card ke saath golf benefits available nahi hain. Agar aap golf privileges chahte hain, to ICICI Bank Parakram Select Credit Card ko consider kar sakte hain, jahan eligible monthly spending par complimentary golf rounds ka benefit milta hai.
ICICI Bank Parakram Credit Card par Reward Points redemption fee kitni hai?
Har Reward Points redemption request par ₹99 + GST ki redemption fee applicable hai.
ICICI Bank Parakram Credit Card ki joining aur annual fee kitni hai?
ICICI Bank Parakram Credit Card ke saath koi joining fee ya annual fee nahi li jaati. Eligible cardholders ke liye yeh lifetime zero annual fee credit card hai.