I am using ICICI credit card, i am such worst thing with their service.when u use full credit limit, they will automatically deduct 75rs as service charge and they put fine 500 for crossing limit.They always fine once u are makes the payment above Rs 10, 000.Once cancellation amount never refunded.The worst customer care as I have never seen, u cant able to speak with the customer care peoples.Pls Dont go for ICICI credit card.(As of my experience)