ICICI

ICICI Platinum Chip Credit Card

Dining

Lifetime free

Reward Points

MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Dining

Lifetime free

Reward Points

MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

Dining

Discount offers on dining at restaurants

Lifetime free

No annual card fee is charged

Reward Points

Earn 2X reward points on all retail spends

Welcome benefits:- Earn PAYBACK Points on every transaction with your ICICI Bank Platinum Chip Credit Card.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About ICICI Platinum Chip Credit Card

The ICICI Platinum Chip Credit Card is a free card for life and a good choice if you are new to credit cards. There are no joining or yearly fees. You can earn reward points on every spend, even on utility bills and insurance. You also get double rewards on retail shopping, a 1% fuel surcharge waiver, and special dining discounts.

But the card does not give many extra lifestyle benefits or high reward rates. It is best for beginners who want to build credit at no cost, but heavy spenders may find better cards with more rewards.

ICICI Platinum Chip Credit Card Rewards Program

Rewards Program

Earn Points:

2 Reward Points for every Rs. 100 spent on retail purchases
1 Reward Point for every Rs. 100 spent on utility bills and insurance payments

Monthly Capping:

Utility and insurance spends capped at Rs. 40,000 each
Grocery and departmental store purchases capped at Rs. 20,000

Redeem Rewards:

Points can be redeemed on the ICICI Bank Rewards platform for lifestyle products, travel, movie vouchers, and other options in the catalogue

Other Features and Benefits

Welcome Benefits:

Earn PAYBACK Points on every transaction with your ICICI Bank Platinum Chip Credit Card.
Get extra points when you shop with PAYBACK partner brands.
Redeem points for travel vouchers, lifestyle products, movie tickets, appliances, mobiles, and more.

Spending Benefits:

2 PAYBACK Points for every Rs. 100 spent on retail purchases (excluding fuel).
1 PAYBACK Point for every Rs. 100 spent on insurance and utility payments

Dining Benefit:

Get discounts at partner restaurants through the ICICI Bank Culinary Treats Program.

Fuel Benefit:

Enjoy a 1% fuel surcharge waiver at HPCL petrol pumps on transactions between Rs. 400 and Rs. 4,000.

Fees and Charges

Particulars

Amount

Joining/Annual Fee

Nil

Finance Charges

3.75% per month (45% per annum)

Late Payment Charges

On outstanding balance of –	Amount
Less than Rs. 100	Nil
Rs. 100 to Rs. 500	Rs. 100
Rs. 501 to Rs. 1,000	Rs. 500
Rs. 1,001 to Rs. 5,000	Rs. 600
Rs. 5,001 to Rs. 10,000	Rs. 750
Rs. 10,001 to Rs. 25,000	Rs. 900
Rs. 25,001 to Rs. 50,000	Rs. 1,100
More than Rs. 50,000	Rs. 1,300

Things to Know Before you apply

Get this card if:

You are new to credit and want to build your credit history.
You prefer earning reward points instead of cashback.
You want a lifetime free / no annual fee credit card.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For ICICI Platinum Chip Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

ICICI Platinum Chip Credit Card Hilights

What do we like about this card?

Earn 2 Reward Points for every Rs. 100 spent on retail transactions.
Earn 1 Reward Point for every Rs. 100 spent on insurance and utility payments.
1% fuel surcharge waiver at HPCL petrol pumps on fuel transactions of Rs. 400 to Rs. 4,000.
Enjoy up to 15% discount on dining through the ICICI Bank Culinary Treats Programme.
Annual fee waiver available on meeting spend criteria.

Pros

Lifetime free credit card (no annual fee)
Earn up to 2X reward points on spends
Dining discounts at partner restaurants

Cons

Low reward points rate
No extra benefits on travel, shopping, or movies

ICICI Bank Credit Card Contact Details

ICICI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.

Helpline Numbers: 1860 120 7777 (India), +91 22 3366 7777 (International), or + 33667777 from your registered mobile.
Simply SMS: Send an SMS to 5676766 from your registered mobile number.

Frequently Asked Questions

Everything you need to know about this credit card

A. Yes, this is an entry-level credit card suitable for people new to credit. No prior credit score is needed, and it comes with basic benefits and no annual fee.

A. No, anyone can apply for this card, whether or not they have an ICICI Bank account.

A. You can check online on the ICICI Bank website using your application number or call the ICICI credit card customer care for updates.

A. A fee of 2.5% of the withdrawn amount (minimum Rs. 500) applies. Additionally, interest of 3.75% per month (45% per annum) is charged until full repayment. Cash withdrawals are expensive, so it’s best to avoid them.

A. Yes, you earn 1 Reward Point for every Rs. 100 spent on utilities and insurance.

A. You get 2 Reward Points for every Rs. 100 spent on retail transactions.

A. Yes, you get 1% fuel surcharge waiver at all HPCL petrol pumps for transactions between Rs. 400 and Rs. 4,000.

A. Yes, enjoy exclusive discounts at partner restaurants via the ICICI Bank Culinary Treats Program.