ICICI Bank Instant Platinum Credit Card Review

The icici bank instant platinum credit card is one of the most popular credit cards among the Indians getting their very first credit card. This card is a perfect blend of simplicity and attractive benefits. It lets you enjoy powerful icici payback points on every transaction, free movie tickets every month, attractive deals on dining expenses, etc. Above all, this icici platinum credit card can be issued against a fixed deposit account, making it an ideal option for beginners. More about the icici bank platinum credit card benefits are discussed below.

How does the icici bank instant platinum credit card eligibility work?

  • Resident Type: Indian. 
  • ICICI bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: You can get this icici bank instant platinum credit card against fd
  • ICICI credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: You can get this icici credit card on fd.
  • Minimum fixed deposit account: Rs. 20,000 

As you submit your credit card icici credit card application, you will get a unique application id. You can use that id to track the status of your icici credit card application.

What documents are required for the icici bank instant platinum credit card application?

  • 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 (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 

As per the new RBI regulations, all new icici bank credit cards are delivered in an inactive state, the users can activate them manually by generating a new credit card PIN. You can find more about the icici bank instant platinum credit card activation process from our faq page.

What are the icici credit card annual charges?

  • ICICI instant platinum card joining fee: None. 
  • ICICI instant platinum card annual fee: Free for a lifetime.

What are the icici bank instant platinum credit card benefits?

  • Make every transaction rewarding:

Category of transaction

Rate of earning payback points
Every Rs.100 transaction 2 icici credit card payback points
Every Rs.100 spent on utilities and insurance payment 1 PAYBACK point

You can use those icici credit card rewards to get a product from the reward catalog. You can check the status of your points from your icici credit card net banking account.

  • Mindblowing benefits of icici platinum credit card:

If you use this card to book a maximum of two movie tickets, then you will get up to a 25% discount(up to Rs.100) on the booking value. You can get this icici credit card movie offer 2 times a month 

  • Dine with more delight:

With your icici instant platinum chip credit card, you will get a complimentary icici culinary treats membership that offers you unparalleled benefits on dining expenses.

  • Enjoy freedom from fuel surcharges:

If you use this icici instant credit card for fuel purchases, you will get a 1% waiver on fuel surcharges. The maximum transaction amount should be Rs.4000 and the card should be swiped at any ICICI swipe machine. 

Clearly, this is not a perper icici fuel credit card, so if you want more benefits on fuel, then feel free to take a look at our top fuel credit cards page.

  • Your most useful travel companion:

This icici instant platinum chip credit card is powered by Visa, which means you can use this card at over 10 million outlets worldwide.

  • Cutting edge security:

This icici secured credit card comes with the new and improved EMV chip, these chips are encrypted with a new-generation encryption method making your ICICI instant credit card nearly impossible to clone.

But fraudulent transactions can happen anytime, and if you notice something suspicious with your icici bank credit card account then make sure to report it by calling the icici credit card helpline number. 

What are the icici bank instant platinum credit card charges?

Particulars 

Payable amount

ICICI bank credit card cash withdrawal charges 2.50% against the withdrawn amount, Min Rs. 300 (check your available icici bank instant platinum credit card limit before making a withdrawal)
Finance Charge The icici credit card interest rate can go up to 2.49% monthly
ICICI credit card foreign currency transaction charges 3.50% against the transaction amount
ICICI add on credit card fee None

How to contact the icici bank credit card customer care department?

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

100xGain Ratings:

7/10

Pros and Cons of the icici instant platinum credit card:

Pros

Cons

  • You will get a big discount on your dining bill.
  • This icici bank instant platinum credit card offers an attractive discount on movie ticket booking.
  • You can also earn a handsome waiver on fuel surcharges.
  • The rate of earning icici bank reward points is not that great.
  • You will not get any travel benefits from this icici bank instant platinum credit card.

Final Opinion:

If you are new in the credit card market and looking for an entry-level card to make a soft start, then the ICICI instant platinum credit card can be a decent choice for you. This icici bank instant platinum credit card can also help you in making a handsome monthly saving with its attractive benefits. 

But if you are looking for premium privileges, then this icici bank platinum credit card is definitely not for you. In this case, I would suggest you take a look at our Top premium credit card page, you can also compare the alternative card options given below.

Alternative cards of the icici bank instant platinum chip credit card: 

  1. Axis bank platinum credit card (Best for dining and movie related benefits)
  2. HSBC premier mastercard credit card (Best for lounge access and movie related benefits)
  3. Kotak mahindra pvr gold credit card (Best for movie and cashback related benefits)

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