I am an ICICI credit card holder for last 10 years. Never defaulted even once.
Last time I by mistake paid Rs 100 less than my bill. They charged Rs 700 fine for that. It is really ridiculous. I felt really cheated. They have never redeemed my points. never got any cash back.
When I contacted their call centre they kept me waiting for long and never taken care of my request. In fact I could not talk to their officials .