As I open a savings accont with a fixed deposite last year in ICICI bank . They offer me a credit card agains this foxed depoaite. I didnot have a creditcard before. The bank maneger explained me very easily how to use and bear a credit card along with my wallet. Anyway beside this thing. one of a bank employee gave a personal number for any type of enquary for anytime. And yes ! About the ATM service . I found ATM outlets in every 5-10km where I travel last year and the availity of cash is wonderful. I also suggested this bank to my mom dad and brother also. good bank with a delightful service. I bet you have no complaint agains the service.