ICICI Bank Platinum Chip Visa Credit Card Review

If you are new in the credit card market and are looking for a low-cost entry-level credit card to begin with, then you would love the icici bank platinum chip visa credit card. It is a lifetime-free icici bank credit card that lets you enjoy useful rewards with every transaction, Big discounts on dining expenses, handsome monthly waivers on fuel surcharges, and lots more. More about the icici platinum credit card benefits are mentioned below.

Who can apply for the icici bank platinum chip credit card?

  • Resident Type: Indian. 
  • ICICI platinum chip credit card eligibility criteria for salaried person:
    • Age: 23 to 60 yrs. 
    • Income: Above Rs.15,000 monthly
  • ICICI platinum credit card eligibility criteria for self-employed person:
    • Age: 23 to 65 yrs. 
    • Income: Above Rs.50,000 monthly
  • A CIBIL score of 650+ is needed to apply for this ICICI platinum chip credit card?

You can apply for this platinum card from the icici credit card online application portal. Once your application is submitted, you can track your credit card application status using your application id. The icici credit card application process can be found on our faq page.

What documents are required to apply for an icici platinum card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photograph
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest income tax return. 
      • Proof of business
      • Recent audited financial report. 

What are the ICICI platinum chip credit card fees?

  • ICICI bank platinum chip credit card joining fee: None. 
  • ICICI bank platinum chip visa credit card annual fee: Free for a lifetime. 

What are the icici platinum chip credit card benefits:

  • Make every transaction rewarding:

The icici platinum chip card reward points are offered like this.

Category of transaction

ICICI reward points for every Rs.100 transaction
Regular credit card transactions (excluding fuel) 2 icici credit card reward points
Utilities and Insurance  1 icici bank rewards

1 icici credit card reward points value in rupees is Rs.0.25. 

  • Awesome dining benefits of icici platinum credit card:

Under the icici bank culinary treats program, you will get up to a 15% discount on your dining bill at some of the frontline restaurants in India. 

  • Get freedom from fuel surcharges:

This icici platinum credit card offers a 1% fuel surcharge waiver across all fuel stations in India. The maximum eligible transaction is Rs.4,000.

  • Enjoy attractive deals from Visa:

Your icici platinum card gives you access to the world of awesome visa credit card benefits. Click here to find the latest deals and offers.  

  • Advanced security arrangements:

This icici platinum chip credit card is equipped with an advanced chip, these chips use a very strong encryption method to store your credit card data, making your platinum visa card nearly impossible to clone. 

What are the icici platinum credit card charges?


Payable Amount

ICICI credit card atm withdrawal charges 2.5% against the withdrawn amount (check your icici platinum card limit before making a withdrawal)
ICICI platinum card finance charge The icici bank credit card interest rate for this card is 3.40% monthly (applicable if your credit card bill is not paid in time)
ICICI bank credit card international transaction charges 3.50% against the transaction amount. 
ICICI add-on credit fee Free for a lifetime.

How to contact the icici credit card customer care department?

  • Call the icici bank credit card customer care toll free phone number: 1860-120-7777 / 022-3366-7777 or +91-40-7140-3333
  • Write to the icici credit card customer care email id: headservicequality@icicibank.com 

100xGain Ratings:


Pros and cons of the ​​icici platinum chip visa credit card:



  • You can earn assured icici rewards with every transaction.
  • There is a huge discount on dining expenses on this platinum visa card.
  • It is an icici bank lifetime free credit card.
  • There are no entertainment benefits on this icici bank platinum credit card.

Final Opinion:

For a beginner, the icici bank platinum chip visa credit card is one of the most useful credit cards available in the Indian market. It is a hustle-free easy-to-use credit card that comes with some attractive benefits. So, if you are having a credit card for the first time, this platinum chip credit card can help you to build a good credit score and experience. 

Since it is an icici life time free credit card, there is nothing much to complain about the benefits. But if you want to earn some more benefits then you should explore the alternative card options given below. 

Alternative cards of the icici visa platinum chip credit card

  1. Axis Bank Titanium Smart Traveler Credit Card (Best for reward and dining benefits)
  2. Axis Bank Insta Easy Credit Card (Best for reward and dining benefits)
  3. PNB Global Platinum Credit Card (Best for reward and dining benefits)


3 thoughts on “ICICI Bank Platinum Chip Visa Credit Card Review”

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: