Looking for a simple secure and rewarding credit card? then ICICI bank platinum chip credit card might just be the perfect fit for you. this card is designed for everyday spending and come with essential benefits like reward points, fuel surcharge wavier, dining discounts. While all these rewards are on lifetime free with no joining and annual fees.
ICICI Platinum Credit Card Benefits
Below are the benefits of this card.
Reward Points On Every Spends
Earn 2 reward points for every ₹100 spent on retail purchases. Also get one reverse point for every ₹100 paint on utility and insurance payments. you can redeem these points for shopping vouchers travel benefits and more. You can redeem your earned reward points for cashback by calling 080-40146444 or for gifts and vouchers by contacting 1860-258-5000. Each 1 Reward Point is equivalent to ₹0.25. Please note that ICICI Bank charges a ₹99 redemption fee per request.
Fuel Surcharge Waiver
Save money on fuel purchases And get a 1% fuel surcharge where we’re on transactions up to 4000 rupees At Hpcl Petrol Pumps. this is the only when you swipe through ICICI bank machines.
Dining Discounts
enjoy minimum of 15% discount at over 2500+ restaurants in India under the ICICI bank culinary treats programs.
Security and Protection
Chip and PIN technology make this card more secured against fraud and unauthorized transactions. so this cards comes with lost card liability protection when you report your card lost immediately and you would not be held responsible for fraudulent transactions.
Fees & Charges
| Fee Type | Charges |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 |
| Supplementary Card Fee | ₹0 |
| Interest on Unpaid Balance | 3.40% per month (40.80% per year) |
| Cash Withdrawal Fee | 2.50% of the withdrawn amount (Min ₹300) |
| Late Payment Fee | ₹100 – ₹1,200 (based on the bill amount) |
Eligibility Criteria
To apply for the ICICI platinum chip credit card you must meet the following criteria.
- Age : 21 to 60 yrs for salted individuals And 23 to 65 years for self employed applicants.
- Income requirement: minimum of 2.5 lakh rupees Per year.
- credit score: A good credit tree ideally 750 plus CIBIL Score required.
- Employment status: seltzered or self employed individuals can apply.
- Documents required: PAN card, aadhar card, salaries slip or ITR proof.
How to Apply for ICICI Platinum Chip Credit Card?
Applying for this card is quick and easy:
1. Online Application (Fastest Way)
- Visit the ICICI Bank website.
- Select ‘Credit Cards’ and choose Platinum Chip Credit Card.
- Click ‘Apply Now’ and fill in your details.
- Upload required documents and submit the application.
- If eligible, you’ll receive confirmation within a few days.
2. Apply at an ICICI Bank Branch
- Visit the nearest ICICI Bank branch.
- Request an application form for the Platinum Chip Credit Card.
- Submit necessary documents (ID proof, income proof, address proof).
- Wait for the bank to verify and approve your application.
How Much You Can Save?
| Spending Category | Amount Spent | Benefit Earned |
|---|---|---|
| Retail Shopping | ₹6,000 | 120 Reward Points |
| Utility & Insurance | ₹2,000 | 20 Reward Points |
| Fuel at HPCL | ₹2,000 | ₹20 (1% Surcharge Waiver) |
| Dining at Partner Restaurants | ₹2,000 | ₹300 (15% Discount) |
| Total Savings per Month | – | ₹340 |
| Total Savings per Year | – | ₹4,080 |
It shows over ₹4000 saved annually without paying any card fees.
ICICI platinum credit card Review
If you’re looking for a zero fee, easy to use credit card with basic rewards, fuel savings, and dining perks, the ICICI Platinum Chip Credit Card is a solid choice. While it may not offer premium travel benefits or cashback, it provides strong security features, lifetime-free access, and everyday savings, making it an excellent option for first-time credit card users and budget-conscious individuals.
This card is ideal for beginners who want their first credit card without worrying about annual fees while still earning simple rewards. It is also suitable for salaried professionals with lower incomes and self employed individuals looking for an accessible and secure credit option. Frequent diners can benefit from restaurant discounts, and everyday spenders can earn reward points on regular purchases. Though the card doesn’t offer high-end perks, it is a great starting point for building a credit score and serves as a reliable financial backup in emergencies. If you’re new to credit cards, the ICICI Platinum Chip Credit Card is a smart and hassle-free choice.
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