I have ICICI bank credit card from last 2 years. I always prefer to pay the bills on time. However some times if the payment due after last payment date then the interest charges are too high like 35% . If you pay only minimum due balance then also interest charges are too high. The only good reason to get a credit card from ICICI bank is rewards points. If you want to go for a credit cars then you should go for Citi bank cards. The charges of cash withdrawal from ICICI bank is like no other banks, they will charge around 500 for cash with drawal from bank.