ICICI Bank Platinum Identity Credit Card Review

The icici platinum identity credit card is one of the low-cost lifestyle credit cards offered by ICICI bank. While this card comes with an annual fee of Rs.750, it lets you enjoy useful icici bank reward points with every transaction, complimentary priority pass membership, the assistance of a multilingual concierge team, and lots more. Now let’s have a closer look at the benefits and offers on icici platinum credit card and see if the benefits of the card can justify the Rs.750 annual fees or not.

How does the icici platinum credit card eligibility work?

• Resident Type: Indian. 
• ICICI bank credit card eligibility criteria For salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Rs. 90,000 monthly. 
• ICICI credit card eligibility criteria for self-employed person:
  • Age: 21 to 65 yrs. 
  • Income: Income tax return should be more than Rs. 12 lakh. 
• A CIBIL score of 680+ is needed to apply for this icici platinum card. 

You can apply for this card from the icici credit card apply online page. As your credit card application is submitted, you can track your icici credit card application status using your application id. The complete process can be found on our faq page.

What documents are required to apply for an icici credit card?

• 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. 

What are the icici credit card fees?

• Platinum icici credit card joining fee: Rs.2,000 + GST
• ICICI platinum credit card annual fee: Rs.750 + GST

What are the icici bank platinum credit card benefits?

• Make every transaction rewarding:

The icici credit card rewards are offered like this.

Category of transaction	ICICI reward points per Rs.200 transaction
Domestic transactions	2 Hand picked icici bank rewards
ICICI international credit card transactions	4 Hand picked icici rewards
If your annual icici credit card usage is over Rs.5 lakh
All credit card transactions	8 Hand picked icici bank reward points

You can redeem icici credit card points against several products listed in the icici credit card reward points redemption catalogue.

• Add comfort to your travel:

This icici bank credit card offers a complimentary priority pass membership. You can click here to find the icici platinum credit card lounge access list and applicable charges.

• Enjoy the assistance of a multilingual concierge team:

This icici credit card features a personal concierge to take care of all your needs including travel bookings, hotel, and restaurant reservations, emergency auto assistance, flower or gift delivery, etc. 

• Advanced security arrangements:

This icici bank amex card is armed with an advanced EMV chip. This chip uses a very strong encryption method to store your data making your card extremely resistant to credit card cloning. But if your card ever gets stolen, you should block the lost credit card immediately. If you want to know how to block icici credit card instantly, then visit our ICICI faq page. 

What are the icici credit card charges?

Particulars	Payable Amount
ICICI bank credit card cash withdrawal charges	2.5% against the withdrawn amount (check your icici platinum credit card limit before making a withdrawal)
ICICI bank credit card finance charge	The icici platinum credit card interest rate can go up to 3.40% monthly
ICICI international transaction charges	3.50% against the transaction amount
ICICI bank add-on credit card fee	Free for a lifetime

What are the icici credit card contact details?

• Call the icici credit card customer care no: 1860-120-7777 / 022-3366-7777 or +91-40-7140-3333
• Write to the icici bank credit card customer care mail id: headservicequality@icicibank.com

100xGain Ratings:

5/10

Pros and cons of the icici platinum credit card:

Pros	Cons
The rate of earning icici credit card points is quite impressive. You will get a complimentary priority pass membership with this icic credit card.	There are no dining or entertainment benefits on this icici bank identity card. The annual fee for icici platinum credit card seems quite high compared to the benefits.

Final Opinion:

After having a closer look at the icici platinum card benefits it can be said that it is a very basic credit card that offers very few benefits. Only a beginner who does not know enough 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 less but offer much better benefits. So if you want to explore more credit card options, then you can visit our best credit cards pages to get the card that suits your needs. Also if you just want to browse through various icici credit card types, then head on to our icici credit cards page.

Alternative cards of the icici bank platinum credit card: 

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

It is often asked, which is the best icici credit card? According to me, the best icici credit card is the ICICI emeralde credit card.