ICICI Bank Parakram Select Credit Card specially Indian Armed Forces personnel ke liye design kiya gaya ek exclusive credit card hai. Yeh card un serving Army, Navy, Air Force aur anya eligible defence personnel ko dhyan me rakhkar launch kiya gaya hai jo apni daily spending ke saath premium rewards aur lifestyle benefits ka fayda uthana chahte hain.
Card ki sabse badi khasiyat yeh hai ki ispar koi joining ya annual fee nahi lagti. Iske saath cardholders ko grocery stores, departmental stores aur CSD (Canteen Stores Department) par 5X Reward Points, complimentary domestic airport aur railway lounge access, golf privileges, aur attractive milestone benefits milte hain. Isliye yeh defence community ke liye value-for-money credit cards me se ek mana jata hai.
ICICI Bank ne Parakram Select Credit Card ko aise reward program ke saath design kiya hai jahan everyday spending par bhi achhe rewards milte hain. Chahe aap shopping karein, grocery kharidein ya CSD purchases karein, card har eligible transaction par additional value provide karta hai.
Aage is review me hum ICICI Bank Parakram Select Credit Card ke Reward Points, features, benefits, fees, eligibility, pros aur cons ko detail me dekhenge, taaki aap aasani se samajh saken ki yeh card aapke liye sahi choice hai ya nahi.
ICICI Bank Parakram Select Credit Card
Rewards and Benefits
›Dining offers under ICICI Bank Culinary Treats Programme.
The reward redemption rate is Rs. 0.25 = 1 RP
2 complimentary domestic airport lounge access
N/A
5X reward points on every Rs. 100 spent on grocery, departments store, and CSDs and 2 reward points for every Rs. 100 spent on other applicable expenses, and 1 reward point on every Rs. 100 spent on insurance and utility bills.
N/A
1 complimentary airport lounge access each year
Personal accident insurance of Rs. 2 Lakh and Air Accident Cover of Rs. 20 Lakh.
Fees & Charges
›Nil
3.40% per month or 40.8% annually
Rs. 99 charged on every reward redemption request
1% fuel surcharge waiver on all fuel transactions across the country
3.5% per month or 42% annually
2.50% of the withdrawn amount or the subject to a minimum of Rs. 300 charges
Product Details
›- Groceries, departmental stores aur CSD purchases par har ₹100 ke spend par 5X Reward Points (maximum 400 Reward Points per month).
- Baaki eligible spends par har ₹100 ke spend par 2 ICICI Reward Points earn karein.
- Fuel, cash withdrawals, EMI, balance transfer, fees aur kuch excluded categories par Reward Points applicable nahi hote.
- Quarterly spending condition poori karne par har quarter 2 complimentary domestic airport lounge visits ka benefit.
- Ek mahine me ₹50,000 spend karne par 1 complimentary golf round, mahine me maximum 4 rounds tak.
- Bharat bhar ke eligible fuel stations par 1% fuel surcharge waiver.
- ₹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 offers.
Pros/Cons
›- Groceries, departmental stores aur CSD purchases par 5X Reward Points milte hain, jo defence personnel ke liye everyday spending par kaafi acchi value provide karte hain.
- Koi joining ya annual fee nahi, aur iske saath domestic airport lounge access, golf benefits, insurance cover aur complimentary add-on cards bhi milte hain.
- Yeh card sirf eligible Indian Armed Forces personnel ke liye available hai, isliye aam applicants iske liye apply nahi kar sakte.
- Accelerated Reward Points aur lounge access jaise kuch benefits par monthly/quarterly caps aur spending conditions lagu hain, isliye sabhi users maximum benefits ka poora fayda nahi utha paate.
ICICI Bank Parakram Select Credit Card Features and Benefits
ICICI Bank Parakram Select Credit Card specially eligible Indian Armed Forces personnel ke liye design kiya gaya hai. Yeh card everyday spending par accelerated rewards ke saath travel, dining aur insurance benefits bhi offer karta hai.
Reward Points
Eligible transactions par cardholders ICICI Reward Points earn kar sakte hain.
- Groceries, departmental stores aur CSD purchases 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 2 ICICI Reward Points milte hain.
- Fuel, cash withdrawals, balance transfer, EMI, fees, charges aur bank ki excluded categories par Reward Points earn nahi hote.
Reward Points Redemption
- Reward Points ko gift vouchers, merchandise, statement credit aur ICICI Bank ke doosre eligible redemption options ke liye redeem kiya ja sakta hai.
- 1 ICICI Reward Point = ₹0.25 ke barabar hota hai.
- Har redemption request par ₹99 + GST ki redemption fee applicable hai.
Milestone Benefits
- Agar aap ek mahine me ₹50,000 ya usse zyada spend karte hain, to complimentary golf rounds ka benefit milta hai.
- Har mahine maximum 4 golf rounds avail kiye ja sakte hain.
Dining Benefits
- ICICI Bank Culinary Treats Programme ke through selected partner restaurants par exclusive dining discounts ka benefit milta hai.
Airport Lounge Access
Domestic Lounge Access
- Har quarter 2 complimentary domestic airport lounge visits ka benefit milta hai.
International Lounge Access
- Har saal 1 complimentary international airport lounge visit ka benefit bhi diya jata hai.
Fuel Surcharge Waiver
- Bharat ke eligible fuel stations par 1% fuel surcharge waiver ka benefit milta hai, bank ki applicable terms ke anusar.
Insurance Benefits
Cardholders ko basic insurance protection bhi milti hai.
- Personal Accident Insurance – ₹2 Lakh
- Air Accident Insurance Cover – ₹20 Lakh
Fees & Charges
- 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)
- Add-on Credit Cards: Up to 3 add-on cards without any additional annual fee.
Bottom Line
ICICI Bank Parakram Select Credit Card specially eligible Indian Armed Forces personnel ke liye design kiya gaya hai. Yeh card zero joining aur annual fee ke saath aata hai aur everyday spending par strong value offer karta hai. Groceries, departmental stores aur CSD purchases par 5X Reward Points, complimentary airport lounge access, golf privileges, insurance cover aur dining benefits ise defence community ke liye ek practical choice banate hain.
Is card ki sabse badi strength iska reward structure hai, jo defence personnel ke spending pattern ko dhyan me rakhkar design kiya gaya hai. Saath hi complimentary add-on cards, fuel surcharge waiver aur travel benefits iski overall value ko aur badha dete hain.
Halaanki, yeh card sirf eligible serving defence personnel ke liye hi available hai. Iske alawa accelerated Reward Points aur lounge benefits par spending conditions aur usage limits bhi lagu hain. Agar aap premium international travel benefits ya lower forex charges dhoondh rahe hain, to doosre travel-focused 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, travel benefits aur everyday savings wala credit card chahte hain, to ICICI Bank Parakram Select Credit Card ek value-for-money option hai. Isse compare karne ke liye aap Axis Bank Pride Platinum Credit Card aur SBI Shaurya Credit Card ko bhi dekh sakte hain.
FAQs
ICICI Bank Parakram Select Credit Card ka reward rate kya hai?
ICICI Bank Parakram Select Credit Card ke saath groceries, departmental stores aur CSD purchases par har ₹100 ke spend par 5X Reward Points milte hain. Baaki eligible spends par har ₹100 ke spend par 2 ICICI Reward Points earn hote hain. 1 ICICI Reward Point = ₹0.25 ke barabar hota hai.
ICICI Bank Parakram Select Credit Card ke saath kitni complimentary airport lounge visits milti hain?
Cardholders ko har quarter 2 complimentary domestic airport lounge visits milti hain. Is hisaab se aap saal bhar me maximum 8 domestic lounge visits ka benefit le sakte hain, bank ki applicable terms ke anusar.
Kya ICICI Bank Parakram Select Credit Card par milestone benefits milte hain?
Haan. Agar aap ek mahine me ₹50,000 ya usse zyada spend karte hain, to 1 complimentary golf round ka benefit milta hai. Cardholders har mahine maximum 4 golf rounds avail kar sakte hain.
Kya ICICI Bank Parakram Select Credit Card ke saath insurance cover bhi milta hai?
Haan. Is card ke saath ₹2 lakh ka Personal Accident Insurance aur ₹20 lakh ka Air Accident Insurance Cover diya jata hai, bank ki applicable terms aur conditions ke anusar.