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FREE online courses on CRM - Factors Influencing Customers - Customer
Relation With ATM Cards |
ICICI Bank
is looking at the map of India. With 182 ATMs already in place, the bank is
planning to expand its network to a thousand ATMs.
ATMs have now emerged
as a marketing tool to target the great Indian middle class – the segment that
provides the bulk of the deposits. Total number of ATMs in India is only 1200,
which work out to 1.2 per million people. With 250 transactions per day the
utilization of the bank's ATM are considered among the highest in the world.
Suvidha is an offering
aimed at middle income salaried customers with 24-hour savings account access.
By doing so they get loyal customer
and can cross-sell products.
Banks
are now looking at ATMs as outlets where a customer can conduct any
transaction that he can do in a bank, including opening an account. Manipal,
which is famous as an educational center with half a dozen institutional
project for ICICI's campus banking project.
The convenience here is
that not only do the ATMs provide instant cash to the students, but also the
fact that all branches are wired up enables parents to wire cash to their
children's accounts instantly from whichever city they are in. Indians are
catching up with the concept of banking anytime through ATMs. Here is the
human touch where customers have access to their funds anytime anywhere.
ICICI has designed
Credit Cards with the customers in mind. It's a unique add-on Card with
present spend limit.
Power Benefits of the card
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Allows you to empower your family with the flexibility of a Credit Card
without the fear of them overspending.
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This is the only Credit Card that allows you to pre-define your spend limit.
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The ICICI Bank Credit Card is affiliated to VISA and is welcomed at all
Merchant Establishments displaying the VISA logo.
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The customer has access to 24- hour Customer Call Center which ensures that
your queries get handled efficiently and promptly.
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The customer can withdraw cash 24- hours a day.
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A draft can be dialed from the home or office, by just calling the ICICI
Customer Call Center.
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The customer can get a Temporary Credit Limit Enhancement on request.
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The customer can even leave the travel and hotel bookings to ICICI Bank.
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While using the card, every Rs. 100 spend by the customer earns him 1 point
and 25 reward points meaning a value of Rs. 25 given back to the customer.
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ICICI offers accident insurance, credit shield, purchase protection, baggage
insurance, hospitalization and household insurance.
