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ICICI Bank charged ₹3,500 + GST fee on a Lifetime Free Sapphiro card, blocked Amex for over a year, IVR broken

ICICI BankPC-2026-03277Banking & LoansAnonymous ·
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Extremely disappointing customer experience with ICICI Bank – Lifetime Free Credit Card being charged an annual fee, AGAIN! I am raising this publicly because ICICI Bank has failed to provide a proper resolution despite my previous experience and repeated attempts to contact customer care. Here's what happened: 1. I hold an ICICI Bank Sapphiro dual credit card (Master card + American Express), which was offered as a Lifetime Free (LTF) card. 2. Last year and ever the year before that, ICICI Bank levied an annual maintenance charge despite the LTF status. When I raised the issue, the bank claimed that the American Express variant was not lifetime free and subsequently blocked that card. The Amex card has remained blocked for over a year, without any resolution. 3. Now, despite the previous issue, ICICI Bank has once again charged ₹3,500 + GST on 12 August 2026 on the Mastercard, which is also part of the LTF Sapphiro offering. What makes this even more frustrating is the complete failure of the customer support system. I have tried calling both official customer care numbers: - 1800-1080 - 1800-2662 I have called 8–10 times. Every time, the IVR asks me to enter my credit card number. I enter the correct number, double-check it, and re-enter it, but the system repeatedly tells me that the card number is incorrect. So, how is a customer supposed to raise a complaint when the bank's own customer care system doesn't even recognise their credit card number? I expect ICICI Bank to: 1. Reverse the ₹3,500 + GST annual fee charged on 12 August 2026. 2. Provide written confirmation of the Lifetime Free status of the Sapphiro card. 3. Resolve the issue concerning the blocked American Express variant, which has remained unresolved for over a year. 4. Fix the customer care IVR issue so customers can actually reach support. A bank of ICICI's stature should not make customers resort to LinkedIn just to get a basic credit card billing issue resolved. ICICI Bank Cares ICICI Bank Credit Cards – I expect someone from your customer grievance team to look into this and provide a proper resolution. Also, since most of the benefits associated with the cards are removed and even the basic ones are now conditional, along with poor redemption ratio, I will get the card closed too. #ICICIBank #CustomerExperience #CreditCard #CustomerService #Banking #IIM

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  1. Case filed

    Filer · 3 Nov 2026, 10:24 am

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