ICICI Platinum Chip Credit Card Review Review

ICICI Bank is one of the leading credit card providers in India. They are famous for providing a wide range of credit cards. Their icici bank platinum chip credit card offers a friction-free experience and flexibility at the point of sale. 

It does not only bring ease of shopping but also ensures the safety of transactions by providing the chip card that generates a unique transaction code after every time transaction which makes it next level secure. Not only it provides ease of shopping and security but it also comes with a plethora of icici bank platinum chip credit card offers on lifestyle and shopping.

ICICI credit card eligibility criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • minimum salary for icici credit card application: Rs. 20,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: income tax return should be greater than Rs. 3 lakh. 
  • 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)
      • 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. 

**If you want to check your icici platinum chip credit card application status then just click here


  • ICICI bank platinum chip credit card joining fee: None. 
  • ICICI platinum chip credit card annual fee: None. 

ICICI platinum chip credit card benefits:

  • Cashback benefit :

The icici bank platinum chip credit card users are eligible for exclusive icici platinum chip credit card offers in luxury hotels, lifestyle stores, and spas. You can check your icici credit card transaction details from your ICICI credit card mobile app. 

  • Reward benefit:

On every transaction made with this platinum chip credit card icici bank offers PAYBACK points. 

You can redeem those icici platinum credit card reward points for movies, travel, lifestyle products, mobiles, appliances, and more.

On every Rs. 100 spendings on retail purchases with your icici bank platinum chip visa credit card, you will earn 2 PAYBACK points, except fuel. 

On every Rs. 100 spendings on utilities and insurance categories with this card, you will earn 1 PAYBACK point.

If you are thinking about how to check payback points in icici credit card? then log in to your net banking account and you check your reward points status from there. 

You can set your icici platinum chip credit card limit and make your icici credit card payment through netbanking account. 

  • Dining benefit:

Your icici bank platinum chip credit card offers a minimum of 15% on dining at all partner restaurants. That means your evenings will be more colorful. 

  • ICICI platinum chip credit card benefits on fuel surcharge waiver:

With this icici bank free credit card, you will get a 1% fuel charge waiver on all HPCL pumps maximum transaction up to Rs. 4,000.

  • Lost card assistance:

All icici platinum visa credit card users enjoy global emergency assistance for reporting a lost card replacement. If you want to know how to block icici credit card online? then visit our FAQ page to get the detailed instruction.  

  • EMV chip card:

This icici platinum visa credit card comes with an advanced EMV chip. Also, the 3d secure icici credit card pin makes this card more secure. 

ICICI platinum credit card charges:

  • Cash Withdrawal Charge: 2.505 against the withdrawn amount. 
  • Finance Charge: The icici credit card interest rate after due date will be 3.40% monthly. 
  • Foreign currency transaction: 3.505 against the transacted amount.
  • Add-on Card Fee: Free for a lifetime. 

ICICI bank credit card customer care:

ICICI bank credit card customer care toll free number: 1860-120-7777

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

** If you want to know how to apply icici add on credit card? then visit our ICICI credit card FAQ page. 

100xGain Ratings:


Final Opinion:

This credit card of icici bank offers good security and benefit to its customers yet missing some basic offers. So, I would recommend it only for first-time customers, since it is hustle-free and easy to use a credit card. Beginners can improve their credit score by using it and later upgrade to a better credit card

But if you want more benefits from your credit card, or if you want to explore more credit card options, then I would recommend you to check the alternative card options given below. And if you want a better ICICI credit card then you should take a look at the icici credit card list

Alternative card options: 

  1. Axis Bank Pride Platinum Credit Card. (Best for reward point and dining benefits)
  2. IndusInd Bank Pioneer Heritage Credit Card. (Best for movie, dining, and lounge access benefit)
  3. RBL Movies and More Card. (Best for earning reward points)

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