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ICICI Bank Platinum Chip Credit Card

The ICICI Platinum Chip Credit Card not only comes with zero annual fee but also treats you to exclusive benefits like a 15% discount on dining and a 1% fuel surcharge waiver. With an embedded microchip for added security, you're not just swiping; you're indulging in a lifestyle enriched with rewards. Ready to elevate your credit card experience? Find out more about what the card has to offer.

Features and Benefits

Here is an overview of the top features of this card that you can take advantage of:

Waiver of Fuel Surcharge

With the ICICI Bank Platinum Chip credit card, you can get a 1% waiver on fuel surcharge at Hindustan Petroleum Corporation Limited (HPCL) petrol pumps. This benefit can be availed at pumps where the ICICI Merchant Services swipe machines are used on all transactions under ₹4,000.

Reward Points on Your Spends

Holders of the ICICI Platinum Chip card can earn 2 reward points every time they spend ₹100 on all retail purchases other than fuel. You can redeem these ICICI Platinum Chip credit card reward points for attractive rewards on products.

Special Benefits for Visa and Mastercard Holders

Holders of this credit card can enjoy platinum benefits from Visa on dining, shopping, hotel and travel, among other activities. As for Mastercard holders, they can use the exclusive Mastercard Priceless Specials program.

How to Apply for the ICICI Platinum Chip Credit Card

To start the application process for this credit card, adhere to these steps:

  1. Click the 'Apply Now' button

  2. Enter essential information, including your mobile number, date of birth, and profession

  3. Proceed by clicking 'Next’

  4. Submit the OTP received via SMS

  5. Provide details such as your PAN Card number, personal email address, residence pin code, and monthly income

  6. Choose 'ICICI Bank Platinum Chip Credit Card' from the displayed credit card options

  7. Complete the verification stage by entering your employment and personal details

Eligibility Criteria and Documents Required Credit Card

It is important to know the ICICI Platinum Chip credit card eligibility criteria, so you can apply if you are eligible for it. You also need to know the documents you have to submit as a part of the application process. Check out these details below.

1. Eligibility Criteria for the ICICI Platinum Chip Credit Card

Particulars

Details

Age

Above 23 years

Occupation

Self-Employed or Salaried

Income Criteria

  • Salaried Individual - ₹30,000 or above per month

  • Self-employed Individual - ₹50,000 or above per month

2. Documents Required for the ICICI Platinum Chip Credit Card

Particulars

Documents

Identity Proof

PAN, Aadhaar Card, Passport, Voter’s ID, Driving licence, or any other government-approved photo ID proof

Address Proof

Aadhaar Card, Passport, Driving licence, latest utility bill, Voter’s ID, or any other government-approved address proof

Income Proof

Payslips (Latest) , Income Tax Return, or Form 16

Other documents

A colour photograph of the applicant

Fees and Charges of ICICI Platinum Chip Credit Card

If you plan to apply for this credit card from ICICI Bank, you need to know the applicable fees and charges. Here is everything you need to know about this.

Particulars

Fees

Joining fee

Nil

Annual fee

Nil

Finance charges

3.40% per month or 40.80% per annum

Cash advance fees

3.40% per month or 40.80% per annum

Foreign currency conversion charges

3.5%

Card replacement charges

₹100

Over-limit fee

2.5% of the over-limit amount (subject to a minimum of ₹550)

Late Payment Charges

  • Less than ₹100: NIL
  • Between ₹100 and ₹500: ₹100
  • Between ₹501 and ₹5,000: ₹500
  • Between ₹5,001 and ₹10,000: ₹500
  • Between ₹10,001 and ₹25,000: ₹900
  • Between ₹25,001 and ₹50,000: ₹1,000
  • Above ₹50,000: ₹1,200

Disclaimer: The values mentioned in the table above are indicative and subject to change. Please refer to the issuer's MITC document for more details.

Customer Care Details

In case you have any queries about your ICICI Bank Credit Card, you can reach out to the team of ICICI Bank Credit Card Customer Care in any of the ways mentioned below.:

  • Call 1800-1080

  • Email the bank at customer.care@icicibank.com

Frequently Asked Questions

The limit on the ICICI Bank Platinum Chip credit card will be determined by the bank and communicated to you when the card is delivered. You can increase your credit card limit by submitting a request to the bank.

The ICICI Platinum Chip Credit Card offers several rewards and benefits to the cardholders. You can get a 1% waiver on fuel surcharge at HPCL pumps. You can also earn two reward points for each retail purchase you make and then redeem these points on dining, shopping, hotel and travel bookings.

ICICI Bank does not charge its customers any annual fee for the Platinum Chip credit card.

Yes, there is no joining fee or annual fee on this credit card from ICICI Bank.

A security chip card is included with this ICICI Bank Platinum Chip credit card. This chip offers additional protection by giving you a Personal Identification Number while defending all users against fraud.

There is no enrollment fee applicable on the ICICI Bank Platinum Chip credit card.

The credit limit of this credit card is a decision made at the bank’s discretion and can depend on your eligibility.

Yes, it is. However, please refer to the bank’s terms and conditions (or other literature) to confirm the various airports and lounges that can offer you this service.

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