ICICI services are not user friendly and transparent. To sell their credit cards and run their business, they do false promises. They somehow try to sell their products and later you will be disappointed after using them. ICICI will never reveal its real terms and conditions until you call customer care. Once I applied a Coral Credit card when I was promised 2 free movie tickets every month but that was fake and that too I received credit card bill before I could get my card delivered. And the worst part is that their ATMs never work and will never have cash in it, it is just show-off to run business.