ICICI Bank Instant Platinum Credit Card Review

ICICI Bank Instant Platinum credit card is one of the intelligent credit cards offered by one of the best banks in India. It offers a minimum hassle experience. It has been offered especially for those who are willing to get a credit card with minimal benefit or fewer eligibility criteria and for this card the cardholder has to keep an FD of rupees 20,000 for at least 180 days.  The card is coming up with a couple of benefits like the dining offer, free movie ticket offer, as well as waiver on fuel surcharge.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: This card can be issued against a fixed deposit account. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: This card can be issued against a fixed deposit account.
  • Minimum fixed deposit account: ₹20,000 
  • Good CIBIL score(750 or more). 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: None. 


  • Reward benefit:

For spending ₹100 you will get 2 PAYBACK Points, except fuel.

You will also get 1 PAYBACK Point on every ₹100 spent on utilities and insurance.

  • Movie benefit:

When you book a movie ticket from BookMyShow you will get up to ₹100 discount. You can avail of this offer two times a month. 

  • Dining benefit:

With this card, you can get up to a 20% discount on your dining bill at 2500+ restaurants in India.

  • Fuel surcharge waiver: 

You can enjoy a1% fuel surcharge waiver on your transaction (maximum ₹4,000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines).

  • Global acceptance:

This card is accepted worldwide you can use this card and get any assistance during emergencies. 

  • EMV chip card: 

This card comes with the new EMV Chip and PIN system, which makes your card more secure than before. 


  • Cash Withdrawal Charge: 2.50% against the withdrawal amount, Min ₹300. 
  • Finance Charge: 2.49% monthly. 
  • Foreign currency transaction: 3.50% against the withdrawn amount. 

Contact Details:

Call: 1860-120-7777

Mail: You can mail the service authority just by visiting their website here: https://www.icicibank.com/complaints/complaints.page 

100xGain Ratings:


Final Opinion:

For a beginner or new credit card applicant, it is one of the best hassle-free cards that you can get with ease, but I will never recommend it as a primary card to a regular shopper as it hardly offers any good offers. If you want a secured credit card then there are lots of credit cards in the Indian market, that may cost a little more but offer huge benefits. 

So if you want to spend a little more then you can go for the Axis Bank Insta Easy Credit Card or Kotak Aqua Gold Credit Card. Both Credit Cards are issued against fixed deposits and you can get huge benefits from both credit cards. 

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