Icici is the best and the worst bank I have ever seen, lot of terms and conditions when we apply to credit cards or any other services. quite user friendly services offered by icici bank where no other banks have not yet introduced those type of services. lot of harrassment to the people who has taken loans from icici. should offer debit card online transaction in all other fields. employers are really helpful to the customers
Good Points: What is there to like?!
Bad Points: Too many to list here but I’ll add an overview.
General comments: Really bad customer service and they really do make you feel as if they are very superior. I hope all and sundry go in and withdraw all deposits. Incredibly disappointing customer service. First of all, if its over the phone, if you want to get someone to talk to, it takes at least 10 minutes. By that time, you are too frustrated to even think straight. Problem is the people at the other end are also in the same frame of mind.- Very dishonest. I know cases where they have resorted to what would be daylight robbery.
This bank has very complicated process to pay the Credit Card dues. If you do not have an Account with this bank, you are at the mercy of a faulty system. Twice I made the payments but none was reflecting in the Card Account but I was asked to pay Late Payment Fee and arbitrary Interest by declaring me as a defaulter. Their escalation matrix does not appear to work well enough. They do not seem to understand the issues I’ve raised. Finally either customer leaves them or forget the hope of getti .