ICICI Bank Platinum Chip Credit Card
ICICI Bank
ICICI Bank Platinum Chip Credit Card
ICICI Bank
Annual Fee
FREE
Effective Rate
0.25%
Network
VISA
Point Value
₹0.25/pt
About ICICI Bank Platinum Chip Credit Card
Lifetime free entry card. 1 RP/₹100 on all spends. EMV chip security. Income from ₹20K/month.
Best For
Pros & Cons
thumb_upPros
- check_circleLifetime free — no annual fee ever
thumb_downCons
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 1% | 100 pts≈ ₹25 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the ICICI Bank rewards portal. Redemption value may vary by option.
Card Benefits
1% Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 at HPCL pumps.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the ICICI Bank website.
| Annual Fee | Lifetime Free |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹2,40,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹2,40,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about ICICI Bank Platinum Chip Credit Card.
Ready to apply for ICICI Bank Platinum Chip Credit Card?
Apply directly on the ICICI Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.