By: OurMoneyGuide || Last updated on: April 18, 2024
The ICICI Bank Platinum Chip Credit Card is a lifetime free starter credit card, and a good choice for those starting their credit card journey.
There is no annual fee charged on this card.
You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all card purchases.
1 reward point = ₹0.25 or 25 paise. Rewards points can be redeemed on ICICI Bank’s rewards redemption platform for products, vouchers and more.
Exception –
– No reward points are given on fuel purchases.
– 0.25% benefit on utilities and insurance spends : You earn 1 reward point worth ₹0.25 (25 paise), on every ₹ 100 you spend on utilities and insurance spends
You get attractive discounts & cashback offers on your shopping, travel and lifestyle needs.
For latest list of offers, please click here ICICI Shopping, Travel & Lifestyle Offers. For dining offers, please click here
You can access a variety of shopping, travel and lifestyle benefits from Visa.
– Visa platinum concierge : Your 24/7 digital personal assistant and lifestyle guide, giving you access to extraordinary experiences and exclusive privileges.
– Offers from Visa : enjoy a variety of exclusive hotel, dining, shopping, and other lifestyle offers when you travel in Asia
– Global customer assistance : helps you block your card, get a replacement card and also get emergency cash
Please click here for all the options to contact the bank
You get a 1% fuel surcharge waiver on fuel transactions under ₹4000, at HPCL fuel outlets.
| Fee | |
|---|---|
| Annual fee | Nil (lifetime free card) |
| Finance charges | 3.40% per month |
| Card over-limit fees | 2.50% on the over-limit amount (subject to a minimum of ₹550) |
| Foreign transaction fee | 3.50% of transaction amount |
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – ICICI Bank Platinum Chip Credit Card Fees & Charges
| Minimum age | 21 years or above |
| Occupation | Salaried or self-employed |
| Other criteria | Regular source of income, good credit score , low credit utilisation, length of repayment history etc. |
| Online application process | The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the ICICI Bank website. You can also visit official website of the bank and fill out the application form. Steps : – Fill in the application form with the required personal and financial information. – Submit the application form and wait for a decision from ICICI Bank. |
| SMS banking process | Simply SMS “PLAT” to 5676766, and a representative from ICICI credit card department will contact you. |
| Offline (face to face) application process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. To find the branch nearest to you, visit here. |
| You can track the status of your application through the ICICI webpage. | STEPS : 1. Visit the ICICI Bank official website and navigate to the ‘Track Application’ page. 2. Enter the required details – mobile number and date of birth OR mobile number, application number and date of birth 3. Click on the ‘Submit’ button to check the status of your application. 4. The page will display the current status of your application, whether it is under processing, approved, or rejected. 5. If your application is approved, you will receive a notification from ICICI Bank regarding the dispatch of your ICICI Platinum Chip credit card. Note: You can also track your application status by calling the ICICI Bank customer care number. |
| Required documents | – Income documents – PAN card – Identity proof : Aadhaar card , or any other government-issued ID proof – Residence address proof : Recent utility bill or rental agreement The bank may also ask for additional documents on a case to case basis, if required. |
Lifetime free cards typically do not have a very attractive rewards program. But they tend to have the easiest eligibility criteria.
So these cards are ideal for those who are beginning their credit journey, and/or those who like the simplicity of a lifetime free credit card. Hence such cards are good beginner cards.
In case you have good income & credit scores, then you may want to take a look at credit cards which offer better rewards for most of your spending needs like shopping, travel, fuel, utility bill payments etc.
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