{
  "id": "icici-signature-credit-card",
  "locale": "hinglish",
  "name": "ICICI Signature Credit Card",
  "bank": "ICICI Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹2,500 + GST",
  "loungeAccess": "4 Complimentary Domestic Airport Lounges/yr (1 per quarter)",
  "rewardsRate": "1 pt / ₹100 on Retail (0.25%) · 4 Domestic Lounges · 24/7 Concierge",
  "bestFor": "Legacy Visa Signature cardholders seeking quarterly airport lounges & lifestyle benefits",
  "officialLink": "https://www.icicibank.com/cards/credit-card/signature-credit-card.page",
  "aiVerdict": {
    "score": 2.7,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.25,
  "affiliateId": "icici-signature-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "ICICI Bank — Signature Credit Card schedule of charges",
    "Visa Signature luxury travel and lifestyle privilege guidelines"
  ],
  "feeWaiver": "No annual fee waiver",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹2,500 + GST"
    },
    {
      "key": "Domestic Lounges",
      "value": "4 Visits / yr (1/qtr)"
    },
    {
      "key": "Retail Spends",
      "value": "1 pt / ₹100 (0.25%)"
    },
    {
      "key": "Fuel Waiver",
      "value": "1% HPCL Surcharge"
    },
    {
      "key": "Concierge",
      "value": "24/7 Dedicated Support"
    },
    {
      "key": "Card Status",
      "value": "Discontinued (Legacy Holders Only)"
    }
  ],
  "earnRates": [
    {
      "category": "All Domestic Retail Spends",
      "rate": "1 pt / ₹100 (0.25%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 pts (₹250 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Airport Lounges",
      "multiplier": "4 / year",
      "rate": "1 / quarter",
      "monthlyCap": "1 / qtr",
      "dailyCap": "—",
      "note": "Across Indian airports."
    },
    {
      "channel": "Concierge",
      "multiplier": "24/7",
      "rate": "Dedicated",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Visa Signature desk."
    },
    {
      "channel": "Fuel Waiver",
      "multiplier": "1%",
      "rate": "HPCL Surcharge",
      "monthlyCap": "₹250 / mo",
      "dailyCap": "—",
      "note": "Up to ₹4,000 fuel."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Shopping Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "Statement Balance Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (outside surcharge waiver).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹2,500 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹2,500 + GST"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Status",
      "requirement": "Existing legacy cardholders only (Discontinued for fresh sourcing)"
    },
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹50,000+ monthly net salary"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}