Usually I have heard people criticizing ICICI for its horrible customer service. So by looking at the negative comments on MS, one may think that going for ICICI could be the worst decision one could take.
However I have been a proud customer of ICICI for last 7 years and I especially love their credit cards. Currently I hold three cards from them, one platinum card given against a bank deposit, one virtual card that helps me buy things online without any worries and another HPCL Titanium card.
Moreover there are a lot of freebies like discounts on movie tickets, good and transparent reward point system, zero annual fees, excellent online interface, auto-debit feature that has never cheated me. So I have only good things to say about ICICI.
Fill the application form yourself and never let any agent fill it for you. Else they will tick some option for magazine subscription or ICICI Prudential insurance etc. All these will create more headache for you.
And don’t bother too much with all the bad reviews. As ICICI is a large Organization, they might have delivered bad service to some who care to put their negative feedback here. Reading all that is good because it cautions you against what you need to avoid. But there are thousands of satisfied customers who don’t care to put any reviews here. So don’t get biased with too much of negative opinion online.
I’d say ICICI credit cards are a few of the best products I have seen.