ICICI Platinum Identity Credit Card Review

ICICI Bank is one of the leading credit card providers in India. They offer different icici credit card types for different categories. The icici platinum identity credit card is one of them. It comes with some basic features. The main benefits of the card are reward points and concierge service. This card also offers a waiver on fuel surcharges. Let’s have a closer look at the offers on icici platinum credit card to see if the benefits of the card justify the Rs. 750 annual fees or not.

ICICI platinum credit card eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs. 90,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Income tax return should be more than Rs. 12 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)
      • Latest salary slip (3 months)
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest income tax return.  
      • Proof of business
      • Recent audited financial report. 

ICICI credit card fees:

  • Joining Fee: Rs. 2,000 + GST
  • Annual Fee annual fee for icici platinum credit card :  Rs. 750 + GST

ICICI bank platinum credit card benefits:

  • Reward benefit:

With this card, you will get 2 hand-picked rewards for every Rs. 200 spent in India.

You will also get 4 hand-picked rewards on every Rs. 200 spent internationally. 

This icici bank credit card offers 8 hand-picked rewards per Rs. 200 on accelerated card spends.

You can redeem icici credit card points to get exclusive icici bank credit card offers on dining, travel, fashion, gadgets, and so on you can also use those points to get a product from the icici credit card reward points redemption catalogue.

  • Fuel surcharge waiver:

This icici bank credit card offers an exclusive waiver on fuel surcharges, this offer is applicable at any fuel station in India.

  • i-Assist: 

With this card, you will get a personal concierge to take care of all your needs including travel bookings, hotel and restaurant reservations, emergency auto assist, medical services, and even flower or gift delivery, etc. 

  • Mobile banking:

You can now check the status of icici credit card and control your account through your mobile, just download the ICICI Bank icici credit card mobile app and link your card with it to control your account. 

You can also track your icici credit card usage and set a limit for your account from there. Visit our ICICI credit card FAQs page to know how to set icici credit card credit limit

  • EMV chip card:

This card comes with the new EMV Chip and icici credit card pin system, it makes your transactions more secure. Also if you subscribe to the SMS alert, you will get a notification for every transaction you make with your card. 

And if your card ever gets stolen, you should block the missing card immediately. If you want to know how to block icici credit card instantly, then visit our ICICI credit card FAQs page

ICICI credit card charges:

  • ICICI bank credit card cash withdrawal charges: 2.5% against the withdrawn amount. 
  • ICICI platinum credit card interest rate3.40% monthly. 
  • Foreign currency transaction: 3.50% against the transaction amount. 
  • Add-on card fee: Free for a lifetime. 
  •  

ICICI credit card contact details:

Call: 1860-120-7777

ICICI bank credit card customer care mail id: You can mail the service authority just by visiting the icici credit card website by clicking here. 

100xGain Ratings:

5/10

Final Opinion:

After having a closer look at the benefits of the card it can be said that it is a very basic credit card that offers very few benefits. Only a beginner who does not have enough knowledge about credit cards can use this card to gain some knowledge. Otherwise, I don’t think this icici platinum identity credit card is worth Rs. 750 annual fees. 

There are lots of credit cards in the Indian Market which cost lesser but offer much better benefits. So if you want to explore some more credit card options then you should take a look at the alternative card options given below. You can also visit our top 10 credit card pages to get the card that suits your needs. 

Alternative card options: 

  1. Bandhan Bank Standard Chartered One Credit Card. (Best for earning reward points)
  2. Indusind Bank Gold Credit Card. (Best for earning reward points)

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