ICICI Platinum Chip Credit Card
ICICI Bank
last updated: Oct 28, 2025
₹0
₹0
1.99%
2 visits/yr
Contents
A simple, lifetime-free entry-level credit card from ICICI Bank suited to everyday spending. It offers reward points on retail spends, fuel surcharge waiver and dining discounts. Ideal for customers beginning to build credit while enjoying basic travel and lifestyle benefits.
Features of ICICI Platinum Chip Credit Card which makes it unique
Easy EMI
Convert large purchases into EMIs at partner merchants
Flexible repayment
Simple EMI conversion compared with peers
Reward Redemption
Redeem points across travel, vouchers and partners
Versatile redemption options
Competitive catalogue and partner conversions
Rewards Structure of ICICI Platinum Chip Credit Card
Milestones of ICICI Platinum Chip Credit Card
Quarterly Milestone
₹50,000 : ₹500 cashback
Annual Milestone
₹200,000 : Reward voucher or travel benefit (subject to T&C)
Fees & Charges of ICICI Platinum Chip Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:N/A
Fee Explanation Standard bank rates apply on overdue amounts; fees and charges are subject to bank terms.
Lounge Access Benefits with ICICI Platinum Chip Credit Card
domestic Lounges
silverVisits per year: 2
Guest access: No
Access via selected partner lounges; terms apply.
Insurance Coverage with ICICI Platinum Chip Credit Card
purchase protection
₹50,000Protection valid within 90 days of purchase; subject to claims process.
Additional Features of ICICI Platinum Chip Credit Card
Contactless Payments
Tap and pay enabled for faster checkouts
Add-on Cards
Supplementary cards available as per bank policy
Up to bank-specified limit.
Welcome Bonus with ICICI Platinum Chip Credit Card
Welcome Bonus: 2,000 reward points
Bonus Conditions: Valid for new customers only; points credited within 60 days of eligible spend; T&C apply.
Application Process for ICICI Platinum Chip Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via ICICI Bank portal or partner aggregator
Upload KYC documents
Receive verification call or OTP
Card dispatched within 5-7 business days after approval
Required Documents for ICICI Platinum Chip Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
where applicableAccepted documents:
ICICI Platinum Chip Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is supported
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Platinum Chip Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and Aadhaar for KYC; terms subject to bank verification.
How Approval Is Decided
- Indian resident
- Minimum age 21 years
- Bank-specific eligibility and credit assessment
Pros of ICICI Platinum Chip Credit Card
- No joining or annual fee
- Reward points on everyday spends
- Fuel surcharge waiver
Cons of ICICI Platinum Chip Credit Card
- Limited premium benefits compared with high-end cards
- Lounge access limited and not unlimited
Frequently Asked Questions about ICICI Platinum Chip Credit Card
Is there a joining fee?
No. The ICICI Bank Platinum Chip Credit Card is lifetime free with no joining or annual fee.
How do I earn the welcome bonus?
Earn the welcome bonus by spending the eligible amount within the first 60 days of card issuance; points credited as per bank policy.
Is there a fuel surcharge waiver?
Yes. A fuel surcharge waiver applies on eligible transactions (typically ₹400–₹4,000) at partner petrol pumps.
What documents are required to apply?
Valid PAN, Aadhaar and proof of income where applicable; additional documents may be requested during verification.
Can I convert purchases to EMI?
Yes. Easy EMI conversion is available for eligible transactions at partner merchants and through the bank's EMI facility.
How do I redeem reward points?
Reward points can be redeemed via the ICICI rewards portal for vouchers, travel, partner redemptions and statement credits subject to redemption rules.
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