ICICI Bank Platinum Chip Visa Credit Card Review

ICICI Bank is one of the leading credit card providers in India. Their credit cards are best known for offering exclusive icici bank credit card benefits. And the icici bank platinum chip credit card is not an exception. This is a lifetime free credit card. ICICI Bank has designed the credit for beginners. This card offers several exclusive benefits like a Reward program, Benefits on dining, Fuel surcharge waiver, and lots more. Let’s have a closer look at its benefits.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 23 to 60 yrs. 
    • Income: Rs. 15,000 monthly. (Minimum)
  • For self-employed person:
    • Age: 23 to 65 yrs. 
    • Income: Rs. 50,000 monthly. (Minimum)
  • Good CIBIL Score(750 or more).
  • Good relation with the bank. 

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)
      • Latest salary slip (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: There is no annual fee with this card. You can use this icici credit card free for a lifetime. 
  • ICICI add on credit fee: Free for a lifetime.  

ICICI platinum credit card benefits:

The benefits of ICICI bank platinum chip visa credit card are listed below:

  • Reward benefit:

For every Rs. 100 you spend on anything except fuel, you will earn 2 icici credit card payback points.

For every Rs. 100 spends on Utilities and Insurance, you will get 1 PAYBACK point. 

You can redeem your earned reward points against Movie, Travel, and Lifestyle products. 

You will not get any reward points for fuel purchases. 

The value of reward points in icici credit card is Rs. 0.25 per point. 

  • Dining benefit:

The dining benefits of icici platinum credit card are awesome. Under Culinary Treats Program, you will get up to a 15% discount on your dining bill at partner restaurants. 

  • Fuel surcharge waiver offer on icici credit card:

With the ICICI Bank Platinum Chip Visa Credit Card, you will enjoy a 1% surcharge waiver when you purchase fuel for a maximum of Rs. 4,000 at any HPCL petrol pump

  • Visa benefits:

With this card, you will also get some exclusive benefits from Visa on Lifestyle, Travel, Emergency assistance service, and lots more.  

  • EMV chip card:

This card comes with a built-in EMV Chip and with an advanced PIN system, it makes your card much secure than before. Also if you subscribe to the SMS facility, you will get SMS for every transaction made with your card. 


  • ICICI credit card atm withdrawal charges: 2.5% against the withdrawn amount. 
  • Finance Charge: The icici bank credit card interest rate for this card is 3.40% monthly. 
  • Foreign currency transaction: 3.50% against the transaction amount. 

Contact Details:

The icici bank credit card customer care toll free phone number and email id are given below. 

Call: 1860-120-7777

ICICI credit card customer care email: You can mail the service authority just by visiting their website by clicking here

100xGain Ratings:


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 card can help you to build a good credit score and experience. 

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

Alternative card options: 

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

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