ICICI Future Gold Credit Card Review

ICICI Future Gold Credit Card is a co branded card designed for people who shop regularly at Future outlets. The card is like any other co branded card offering major benefits on purchase at Future outlets.

The card has a very lame Reward Points program offering 2 Reward Points on every Rs 100 spent at Future outlets. For expenses elsewhere you earn 1 point for every Rs 200 spent. This implies that the card can save a good amount of your money only if purchases are made at Future outlets.

Though the value of Reward points is not stated yet redemption is an exciting affair due to number of offers available for redemption.

A shopping card usually accompanies few dining benefits. But with ICICI Future Gold Credit card, it has extremely impressive dining benefits. The card also offers travelling benefits provided bookings are made at yatra.com.

The card when compared to other co branded cards belonging to the same category like HSBC Spencer's Happy Ties Classic Card and SBI Vishal Mega Mart Card may lack few features and benefits. However in comparison to charges/fees the card is extremely cost effective.

ICICI Future Gold Credit Card has no Joining or Annual fee. This when compared to cards like SBI Vishal Mega Mart Card which has a Joining fee of up to Rs 5000.

The interest rate offering is an important criterion with these sections of cards due to volume of transactions. The interest rate offered on ICICI Future Gold Credit card is 3.40% p.m. which is competitive in comparison to other two cards.