ICICI Bank Platinum Chip Credit Card

ICICI Bank Platinum Chip Credit Card

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One of ICICI Bank's valued credit cards is the ICICI Platinum Chip Credit Card. With so many schemes and offers at the bearer's disposal, this card makes a statement. Additionally, it is easy to use. A fantastic choice for people who are new to credit and wish to raise their credit score is the ICICI Platinum Chip Credit Card, which is a lifetime-free credit card. Numerous perks are available with the card, including ICICI Platinum Credit Card Reward Points, fuel surcharge waivers, eating discounts, and more. The opportunity to earn PAYBACK points, which can be redeemed for gifts or vouchers, is one of the most alluring features of this card. This feature lets you earn as you spend.

  • Benefits
  • Charges
  • Eligibility Criteria
  • Why Choose
  • How to Apply?

ICICI Platinum Credit Card Benefits

ICICI Platinum Credit Card Offers dining savings, fuel surcharge waivers, and reward points on regular transactions. For every Rs. 100 spent on insurance and utility bills, cardholders receive one reward point; for every Rs. 100 spent on retail goods (fuel excluded), they receive two reward points. These reward points can be exchanged for lifestyle items, movie and vacation vouchers, and other goods. In addition, cardholders receive a 1% fuel price waiver at Hindustan Petroleum pumps for purchases up to Rs. 4,000 and a 15% discount when dining at restaurants throughout India.

ICICI Platinum Chip Credit Card Charges

Type of ChargesAmount
Joining feeNIL
Annual fee, second year onwardsNIL
Fee for a supplementary cardNIL
Rate of interest 3.40% per month and 40.80% annually

For additional fees, please check the Important Terms & Conditions.

ICICI Bank Platinum Chip Credit Card Eligibility Criteria

To check if you are eligible to apply for an ICICI Platinum Credit Card, use this method:

  • Age: To apply for an ICICI Bank Platinum Chip Credit Card, you must be at least 21 years old.
  • Income Requirement: ICICI Bank requires applicants for credit cards to have an income of Rs 2.5 lakh. However, depending on the card and your financial situation, your eligibility may vary. Before submitting your application, be sure you fulfill the income requirements.
  • Citizenship Status: Both residents and non-residents of India may apply for credit cards.

Documents Required

Applying for an ICICI Platinum Credit Card requires the following collection of documents:

  • Valid ID Proof: It is essential to have a PAN card, passport, and Aadhaar card
  • Verification of Address: Proof of address can be provided by an Aadhaar card, utility bill, or rental agreement
  • Evidence of Income: You can use bank statements or salary slips and income tax returns as evidence of your income

Why Choose the ICICI Platinum Chip Credit Card

Selecting an ICICI Platinum Credit Card offers a number of advantages. Here are several ICICI Platinum Credit Card Features:

  • This credit card is available from ICICI Bank to those who are at least 23 years old.
  • A 1% fuel cost is waived at the time of purchase. But only the first 4,000 transactions are covered by this. Therefore, swipe your card at HPCL pumps to take advantage of this benefit.
  • You receive two payback points for each retail purchase of Rs. 100 or more (not including petrol).
  • You can also use your 2,000 PAYBACK points at any HPCL petrol station. These have a Rs. 500 value.
  • Dining bills at more than 2,500 restaurants nationwide are discounted by at least 15% because of ICICI Bank's Culinary Treats Program.

How to Apply for an ICICI Platinum Credit Card?

To apply for an ICICI Bank Platinum Chip Credit Card online, complete these steps:

  • Step 1: You must go to ICICI Bank's official website.
  • Step 2: In the 'Cards' domain, select 'credit cards'.
  • Step 3: At the very top of your screen, you will notice the Platinum Chip Credit Card.
  • Step 4: 'Obtain the Card Online.'
  • Step 5: Complete the online application and follow the instructions.

If you do not want to go the online way, offline alternatives are available too. By simply following these procedures, you can easily obtain your ICICI Platinum Credit Card offline:

  • Give customer service a call: To begin the application procedure, get in touch with an ICICI credit card customer service agent and talk to a bank representative.
  • As an alternative, go to a branch: Visit the closest ICICI Bank location and have a conversation with a professional.
  • Fill out the application: Complete the application that the representative has given you.
  • Send in the necessary documents: Present the required documentation, including identification, proof of address, and evidence of income.
  • Evaluation of the Application: Await the bank's evaluation and processing of your ICICI Platinum Credit Card application.

FAQs

For every Rs. 100 spent on retail purchases, earn two PAYBACK points. Additionally, HPCL gas stations remove the 1% fuel levy on fuel purchases of Rs. 4,000 or more. Plus, you can use the ICICI Bank Culinary Treats program to save at least 15% on dining experiences.

The main advantage of the ICICI Platinum credit card is that there is no annual fee, so you can apply for the card without paying anything upfront. This feature makes it extremely affordable and accessible, enabling you to take advantage of the card's perks and rewards without having to pay a one-time charge.

The credit limit and cash withdrawal limit are provided when the card is delivered and are shown on the monthly statements. The used limit is subtracted from the total credit limit to determine the available credit limit.

Users of the ICICI Platinum credit card have exclusive access to a number of airport lounges in different cities, offering a luxurious and pleasant travel experience. Cardholders can unwind in a calm and opulent setting away from the bustle of the main airport terminals.

ICICI Bank Platinum Chip Credit Card Lounge Access is contingent upon meeting certain requirements established by ICICI Bank. By calling ICICI Bank's customer care or looking over the credit card advantages shown on your account statement, you can determine your eligibility.