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Features of ICICI Bank Unifare Credit Card
- Dual-Purpose Card: The ICICI Bank Unifare Credit Card serves as both a metro smart card and a fully functional credit card. This dual-purpose design eliminates the need to carry separate cards for metro travel and other transactions. Cardholders can use it to tap into metro stations for quick access and also make purchases at over 22 million merchants worldwide.
- Auto Recharge Facility: When the balance on the metro transit chip falls below a predetermined threshold (e.g., ₹100 for Delhi and Bangalore, ₹50 for Mumbai), the card automatically recharges with ₹200. This amount is debited to the credit card account and reflected in the monthly statement.
- Metro Fare Discounts: Embedded with a metro transit chip, the card allows contactless entry and exit at metro stations in partnered cities. For example, the Delhi Metro, Mumbai Metro, or Bangalore’s Namma Metro systems accept the card for fare payments. This integration reduces the hassle of purchasing tickets or tokens, offering a smooth and efficient commuting experience.
- Discount on Metro Travel Fares: The Unifare Credit Card offers a consistent discount on metro fares, making daily commutes more cost-effective. This feature is provided in collaboration with metro authorities like the Delhi Metro Rail Corporation (DMRC) or Bangalore Metro Rail Corporation Limited (BMRCL).
- 10% Fare Discount: Cardholders enjoy a 10% discount on every metro journey when using the card to pay fares. For instance, in Delhi and Bangalore, this discount mirrors the offer available on standard metro smart cards, providing significant savings for regular travelers.
- Flexible Journey Planning: The card allows users to terminate or extend their metro journeys without pre-planning their destination. The fare is calculated based on the exit station, offering flexibility and convenience for spontaneous travel decisions.
- Pre-Loaded Metro Balance for Immediate Use: To ensure instant usability, the Unifare Credit Card comes pre-loaded with a metro transit balance, enabling cardholders to start commuting as soon as they receive the card.
- Initial ₹100 Balance: Upon issuance, the metro transit chip is pre-loaded with ₹100, which is billed to the credit card in the first statement. This feature eliminates the need for an initial manual recharge, making the card ready for immediate use at metro stations.
- Seamless Activation: The pre-loaded balance is activated for use at metro gates, ensuring that new cardholders can begin their journeys without additional setup steps.
- PAYBACK Points for Rewarding Transactions: The card integrates with PAYBACK, India’s largest multi-partner loyalty program, allowing users to earn reward points on their spending. These points can be redeemed for a variety of exciting rewards, enhancing the card’s value.
- Earn Points on Everyday Spending: Cardholders earn 2 PAYBACK Points for every ₹100 spent on purchases, excluding fuel transactions. For auto recharge transactions, the reward rate is higher, with 4 PAYBACK Points awarded per ₹100. This incentivizes frequent use of the card for both metro travel and other expenses.
- Redeem for Metro Miles or Gifts: PAYBACK Points can be converted into Metro Miles at a rate of 1 point = ₹0.25, which can be used as cash recharge for metro travel. Alternatively, points can be redeemed for lifestyle products, travel vouchers, electronics, and more through the PAYBACK rewards catalog.
- Dining Discounts with Culinary Treats: The Unifare Credit Card enhances the dining experience by offering exclusive discounts at premium restaurants across India, courtesy of ICICI Bank’s Culinary Treats program.
- Minimum 15% Discount: Cardholders receive at least a 15% discount on dining bills at over 2,500 participating restaurants in 12 major cities. This offer applies to a wide range of cuisines and dining establishments, making it ideal for food enthusiasts.
- Nationwide Coverage: The Culinary Treats program spans cities like Delhi, Mumbai, Bangalore, and Chennai, ensuring that cardholders can enjoy savings on dining experiences wherever they are.
- Fuel Surcharge Waiver for Cost Savings: For cardholders who drive, the Unifare Credit Card offers a fuel surcharge waiver, reducing expenses at the pump.
- 2.5% Surcharge Waiver: A 2.5% fuel surcharge waiver is available on transactions up to ₹4,000 at HPCL petrol pumps when the card is swiped on ICICI Merchant Services swipe machines. This benefit helps offset fuel costs for commuters who combine metro and personal vehicle travel.
- Easy Access at HPCL Pumps: The waiver is straightforward to avail, requiring only that the transaction be processed through ICICI’s payment terminals, which are widely available at HPCL outlets.
- Enhanced Security Features: Security is a priority for the Unifare Credit Card, which incorporates advanced technology to protect cardholders from fraud and misuse.
- Embedded Microchip Protection: The card features an embedded microchip that prevents counterfeiting and duplication, offering a higher level of security compared to magnetic stripe cards. This chip ensures that transactions are securely processed.
- PIN and 3D Secure Code: For in-store transactions, a Personal Identification Number (PIN) is required, adding an extra layer of protection. Online transactions are safeguarded with a 3D Secure Code (Verified by Visa/MasterCard SecureCode), ensuring secure e-commerce purchases.
- Annual Fee Waiver for Active Users: The card offers an opportunity to waive its annual fee, making it cost-effective for regular users.
- Spend-Based Waiver: By spending ₹50,000 or more annually on the card, cardholders can have the annual fee of ₹299 reversed for the subsequent year. This encourages active usage and rewards loyal customers with savings.
- Transparent Fee Structure: If the spending threshold is not met, the annual fee remains ₹299, with applicable taxes, ensuring clarity in the card’s cost structure.
- Contactless Payment Technology: The Unifare Credit Card supports contactless payments, aligning with modern payment trends for quick and secure transactions.
- Near Field Communication (NFC): Using NFC technology, the card enables tap-and-pay functionality at metro gates and contactless-enabled merchant terminals. This reduces transaction time and enhances convenience for busy commuters.
- Safe and Efficient: Contactless payments are secured by the card’s microchip and PIN requirements, ensuring that speed does not compromise safety.
- MasterCard Moments for Exclusive Experiences: For cards issued on the MasterCard network, the Unifare Credit Card offers access to the MasterCard Moments program, which provides unique lifestyle experiences.
- Curated Events and Offers: Cardholders can enjoy exclusive events, such as culinary workshops, travel perks, or entertainment experiences, curated by MasterCard. These benefits add a premium touch to the card’s offerings.
- Limited Availability: This feature is specific to MasterCard variants, subject to availability based on regulatory restrictions, such as those imposed by the Reserve Bank of India on MasterCard onboarding.
- Flexible Application Process: Applying for the Unifare Credit Card is straightforward, with options for both online and offline processes, catering to user convenience.
- Online Application: Cardholders can apply through ICICI Bank’s website by submitting details like name, mobile number, and email ID. A bank executive then collects documents at the applicant’s preferred location.
- Eligibility Criteria: The card is available to Indian residents, preferably those living in metro cities like Delhi, Mumbai, or Bangalore, with a minimum CIBIL score of 700 and a stable income source.
- Replacement and Balance Transfer Support: In case of card damage or loss, ICICI Bank provides efficient replacement services to ensure uninterrupted usage.
- Metro Balance Handling: If the card is unreadable at metro stations, users can visit station customer care for resolution. Upon replacement, the metro balance can be transferred to the new card in Bangalore, while in Delhi, a refund is processed per metro authority rules.
- Customer Care Support: ICICI Bank’s customer care is available to assist with replacement requests, ensuring quick resolution and minimal disruption.
- Important Notes on Availability: As of January 31, 2024, ICICI Bank has discontinued the Unifare Credit Card in some regions, replacing it with the ICICI Bank Coral RuPay Credit Card for existing users. New applicants should verify availability through ICICI Bank’s official website, as partnerships with metro authorities, such as DMRC, have ended in certain cases.
- Transition for Existing Users: Existing cardholders may have their outstanding balances and reward points transferred to the new Coral RuPay Credit Card, ensuring continuity of benefits.
- Check Regional Availability: The card’s metro-specific features are limited to partnered metro systems, so applicants must confirm whether their city’s metro is supported before applying.
- Rewarding PAYBACK Points Program: The Unifare Credit Card offers PAYBACK points, part of India’s largest multi-partner loyalty program, on all eligible transactions.
- Dining Discounts with Culinary Treats: Through ICICI Bank’s Culinary Treats program, cardholders enjoy a minimum 15% discount at 2,500+ restaurants across India. It includes access to exclusive experiences such as special menus.
- Fuel Surcharge Waiver: Cardholders receive a 2.5% fuel surcharge waiver on transactions up to ₹4,000 at HPCL fuel stations when using ICICI Bank swipe machines.
- Annual Fee Waiver: The annual fee of ₹299 is waived off for the next year on spending ₹50,000 or more annually. Add-on cards are available at ₹299 for sharing benefits with family.
- Enhanced Security Features: Equipped with a microchip for added protection, the card requires a PIN for purchases and uses 3D Secure for online transactions.
- Platinum Benefits with MasterCard: Includes access to MasterCard Moments for exclusive offers and events. Also supports contactless payment for faster checkout.
- Flexible Credit Card Features: Convert purchases above ₹3,000 into EMIs with tenures up to 12 months. Also access a loan against your credit limit for emergencies.
- Tailored for Urban Commuters: Available in variants specific to Delhi, Bangalore, and Mumbai metros, ensuring optimized metro compatibility. Application is simple via SMS, online, or branch visit.
- Lifestyle and Travel Synergy: Earn rewards on metro travel, dining, shopping, and more. Ideal for professionals who seek both convenience and lifestyle perks.
Frequently Asked Questions (FAQs)
What is the ICICI Bank Unifare Credit Card?
It is a co-branded credit card by ICICI Bank and IRCTC, offering exclusive benefits on train bookings, discounts, lounge access, and reward points.
What are the key features of the Unifare Credit Card?
Discounts on IRCTC train bookings.
Reward points on spends (including railway transactions).
Lounge access at railway stations.
Zero payment gateway fee on IRCTC.
Fuel surcharge waiver (if applicable).
Reward points on spends (including railway transactions).
Lounge access at railway stations.
Zero payment gateway fee on IRCTC.
Fuel surcharge waiver (if applicable).
How can I apply for the ICICI Unifare Credit Card?
Online via IRCTC/ICICI Bank website or offline at ICICI branches/IRCTC counters.
Eligibility: Salaried/self-employed individuals with a good credit score.
Eligibility: Salaried/self-employed individuals with a good credit score.
What are the charges (joining/annual fee)?
Joining fee: ₹500 (sometimes waived in promotions).
Annual fee: ₹500 + GST (may be waived on spending a certain amount yearly).
Annual fee: ₹500 + GST (may be waived on spending a certain amount yearly).
What is the discount offered on IRCTC bookings?
Typically 5% cashback or discount (subject to terms like minimum transaction value, capped monthly benefits).
Does the Unifare Card offer railway lounge access?
Yes, 4 complimentary lounge accesses per year at select railway stations.
Are there reward points on non-railway spends?
Yes, you earn 2 reward points per ₹100 spent (general spends) and 5 points per ₹100 on IRCTC bookings.
Is there a fuel surcharge waiver?
Yes, 1% fuel surcharge waiver at petrol pumps (min. transaction ₹400, max. ₹100 per month).
What is the interest rate & credit limit?
Interest rate: ~3.4% per month (varies based on credit profile).
Credit limit: Depends on income & credit history (starts from ₹15,000 upwards).
Credit limit: Depends on income & credit history (starts from ₹15,000 upwards).
How to redeem reward points?
Points can be redeemed as IRCTC booking vouchers, statement credit, or other options via ICICI’s rewards portal.
List ofICICI Bank Unifare Credit Card Branches in Bangalore
- Chansandra Main Road
- Thirumalashetta Halli
- Commissariat Road
- Off M G Road
- Ulsoor Road
- Richards Town
- Richmond Town
- Varthur Sarjapur Main Road
- Gunjur
- Vittal Mallya Road
- OTC Road
- Gandhinagar
- Bellandur Village
- Varthur - Outer Ring Road
- Karthik Nagar
- Doddanekundi - Outer Ring Road
- Marathahalli Outer Ring Road
- Deverabisnahalli
- Kai Kondrahalli
- Sarjapur Road
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