Hi friends, I am mandeep and today I am going to our experience on icici visa card. Friends its my first credit card .I have use this card from last 1 year.Because its my first credit card I am feeling very uncomfortable when I first use it.I pay my electricity Bill on 17th may .After made that payment I was very confused to how and when I have pay that credit amount back and how much charge they will added.But friend I am thankful to icici customer service .They will cleirfy me what its my pay cycle, after how many days they will charge interest on my credit amount, and what it the interest rate, when they send my monthly statement.After that they will suggest me to download the I mobile app to check that all required information instantly.After few month now I am very much comfortable to use that card.thanks icici customer service.Friends if I am talking about benefits of this card than first it Free no annual charges, 8000/- cash withdrawal limit, instant messaging on your transaction, Easy Instalment options, Monthly statement hard copy send to your home address, Lots of payment options .World wide acceptable.In your every transaction you will get pay back point and many more.So friend if I give number of this card than I give 5out of 5.Thanks for reading my review. Have a nice day