ICICI 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 icici credit card benefits or fewer icici credit card eligibility and for this card the cardholder has to keep an FD of rupees 20,000 for at least 180 days.  The icici instant platinum credit card is coming up with a couple of benefits like the dining offer, free movie ticket offer, as well as waiver on fuel surcharge.

ICICI instant credit card eligibility criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: This card can be issued against a fixed deposit account. 
  • icici credit card eligibility 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 

Required Documents for 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. 

Fee:

  • Joining Fee: None. 
  • ICICI credit card annual feeThere is no annual fee involved with this card it is a icici lifetime free credit card.

Benefits:

The benefits of the icici bank instant platinum credit card are listed below. 

  • Reward benefit:

For spending Rs. 100 you will get 2 icici credit card payback points, except on fuel.

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

You can use those icici credit card rewards to get a product from the reward catalog. 

If you want to check your total earned reward points, then just register icici credit card to icici credit card net banking or mobile banking account. You can check your icici bank credit card status from there. 

  • Movie benefits of icici platinum credit card:

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

  • Dining benefit:

To make your evenings more delightful ICICI Bank offers exclusive dining benefits with this icici instant platinum chip credit 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 Rs. 4,000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines). But if you want more benefits on fuel then I would suggest you to apply for an icici fuel credit card or take a look at our top ten fuel credit card list. 

  • Global acceptance:

This icici instant platinum chip credit card is powered by Visa, which means it can be used at any outlet or e-commerce site. And since visa cards are accepted by over 10 million merchants worldwide, you would never face acceptance issues with this card. 

  • EMV chip card: 

This icici secured credit card comes with the new EMV Chip and PIN system. The icici bank credit card pin is 3d secure which makes your card more secure than before. 

Now if you are thinking about how to change icici credit card pin? Then visit our ICICI bank FAQ page

ICICI credit card charges:

  • ICICI bank credit card cash withdrawal charges: 2.50% against the withdrawal amount, Min Rs. 300. 
  • Finance Charge: The icici bank credit card interest rate for this card is 2.49% monthly. 
  • Foreign currency transaction: 3.50% against the withdrawn amount. 

Contact Details:

Toll free number of icici credit card customer service: 1860-120-7777

ICICI bank credit card customer care email: You can mail the service authority just by visiting their complaint page.

100xGain Ratings:

6/10

Final Opinion:

For a beginner or new credit card applicant, the icici bank instant platinum credit card against fd 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, take a look at the alternative card options given below. We have shorted the cards for your convenience. You can probably find your most suitable credit card among them. 

Alternative card options: 

  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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