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ICICI Bank™ Platinum Chip Credit Card
ICICI Bank™ Platinum Chip Credit Card
Fees
Pros/Cons
Joining Perk
Eligibility
USP
Save a minimum of 15% on your dining bill at over 2,500 participating restaurants
ICICI Bank™ Platinum Chip Credit Card

ICICI Bank™ Platinum Chip Credit Card

1% fuel surcharge waiver on fuel transactions of maximum ₹4000 at HPCL pumps*
₹199
₹0
Joining Fee
Saved ₹199

Fees
Pros/Cons
Joining Perk
Eligibility

Fees

₹199
₹0
Joining Fee
₹199
Saved
₹99
Annual Fee
Annual fee is waived off if you spend more than ₹50,000 in the previous year.

Other Fee Benefits

  • 1% fuel surcharge waiver on fuel transactions of maximum ₹4000 at HPCL pumps*
  • Just ensure that you spend ₹50,000 or more annually on your Card and the Annual Fee for the subsequent year shall be reversed.
  • No Joining Fee for first year if purchases exceed ₹2000 within 60 days of card set up.1
  • Upto 2 Supplementary Credit Cards free with the ICICI Bank Platinum Chip Credit Card
  • Fuel Surcharge waiver – 1% fuel surcharge waiver can be availed on fuel transactions of maximum ₹4000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines.
  • Save a minimum of 15% on your dining bill at over 2,500 participating restaurants spread across 12 major cities with the ICICI Bank Culinary Treats programme.
  • Wine, dine and unwind with great offers from luxury hotels, restaurants, lifestyle stores, spas. Moreover, when you travel abroad there is a dedicated Global Emergency Assistance Service provided by Visa for reporting loss of card, emergency card replacement, emergency cash advance or for other enquiries that you may have. For updated details on all privileges and for a list of contact numbers please visit the visaplatinum website

Chqbook Review

The ICICI Bank Platinum Chip Credit Card is one of the best first credit card you can have. Not only is the fee very less, its got everything going from Reward Points, low fees and even a waiver of the ₹199 first year fee if you are at select corporates. Go for this card if you are new to credit cards and want to get your feet wet.

thumb_up   PROS

  • With a price of ₹199 as the joining fee – it's one of the cheapest cards available and packs great features. Great Value for Money.
  • We like that even the ₹199 Joining fee is waived off if your purchases exceed ₹2000 within 60 days of the card setup date and you work at select corporates1
  • You get points through Payback – since other cards also use Payback you can actually see all your points adding up from different cards at one place.
  • Mark all the HPCL petrol pumps on your map – the ICICI Bank Platinum Chip Credit Card allows you to get a 1% fuel surcharge waiver on all fuel transactions below ₹4000. Just make sure the card is swiped on an ICICI Bank swipe machine.

thumb_down   CONS

  • The ICICI Bank Platinum Chip Credit Card does not come with any flight benefits or lounge access.

Joining Perks

  • Security of a chip card to protect you against the risk of fraud
  • Rewards powered by Payback redeemable for exciting gifts and vouchers.
  • Fuel surcharge waiver.
  • Minimum 15% savings on dining at over 800 restaurants courtesy of the ICICI Bank Culinary Treats program.

Terms

Eligibility

  • 23 years and above
  • Personal Annual Income above INR 1.8 Lakhs – for Salaried and INR 3 Lakhs for Self–Employed
  • Should have a permanent India Residential Address
  • You should not have any EMI bounces and have outstanding credit

Documents Required

  • Post applying for a credit card, you application will be conditionally approved. However, the Bank will verify income and KYC documents. The bank executive will contact you and pick up the documents required below. The card will be issued once the documents provided are verified
  • Last 6 Months bank statements
  • Pan Card and Aadhar Card
  • Address Proof (Any one) – Voter Card, Aadhar Card, Driving License, Passport Copy

Rewards

  • 1.5 points/ 100 spent
  • Earn Payback points – Payback is India's largest and one of Europe's most successful multi-partner loyalty programme for all your spends.
  • Earn 2 Payback points on every ₹100 spent for all retail purchases except fuel. Your points are easily redeemable for attractive products through Payback, India's largest multi-partner coalition loyalty programme.
  • You can also redeem your Payback points by calling the ICICI Bank 24-hour Customer Care.

Terms

200 Reviews Sort
Newest

bad

1 month ago | Mohit
It was not up to the mark with the ICICI Bank Platinum Chip Credit Card. I was promised three lakhs and they have given me 1.79 Lakh. Then while filling up the form I opted for the communication to my residence address. But everything is sent to my official address. I already lodged complaints. Though it is now resolved not but it took 15 to 20 days to rectified.

good

1 month ago | Viney Parkash
I have ICICI Bank Platinum Chip Credit Card,there is No Joining Fee for first year if purchases exceed 2000 within 60 days of card set up

Excellent

1 month ago | Salin Malhotra
I bank with ICICI Bank Platinum Chip Credit Card. The credit limit is good and there are good offers as well. They are beneficial too. The customer services and response is good and there are no hidden charges. The statements are also clear and on time.

Excellent

1 month ago | Aakash
I got the ICICI Bank Platinum Chip Credit Card in few days . The customer support service was good ,They gave me immediate response in regards to my credit card application. The credit limit value is average with this ICICI Bank Platinum Chip Credit Cardand I am satisfied with it.

good

1 month ago | Vinod
I have taken a credit card with ICICI Bank Platinum Chip Credit Card.The limit on the card is two lakhs.I have been using the card for last 1.5 years,.Net banking as well as App is user friendly to use,I liked the card features.

Satisfied

1 month ago | Prem Pal
I hold a credit card with ICICI Bank Platinum Chip Credit Card and the limit which i hold is 25000. I am not satisfied with my limit. I do get reward points with the card. Mobile banking is more comfortable but the customer care they dont have a proper number to reach them.

good

1 month ago | Rahul Roy
I have a ICICI Bank Platinum Chip Credit Card and am using it for last 4 months. I am satisfied with the credit limit and they have offered one lakh rupees. They are ready to increase the limit which am not interested. They

very good

1 month ago | Sagar Pahwa
It is a good experience with ICICI Bank and I got the credit card on time. I got it in 11 days. The credit limit is good for me. It is very good card and there are offers as well on the card. The process is simple and the documentation is also normal and easy.

good

1 month ago | Naresh
I hold a credit card with ICICI Bank Platinum Chip Credit Card. I do get reward points with the card and cash back with ICICI Bank Platinum Chip Credit Card,Overall happy

very good

1 month ago | Gaurav
I am holding this ICICI Bank Platinum Chip Credit Card for couple of months.it is good and depend upon my transaction I would be getting reward points I get to receive some cash back or reward points,but iam not sure about that,I prefere net banking rather stepping into bank.

Reason: