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ICICI Bank Platinum Chip Credit Card Review – Money inflow

ICICI Platinum credit card is entry level credit card designed for first time applicants. It is a life time free credit card and its one of the best options for people who are applying for credit card first time and willing to build credit score.

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1. ICICI Platinum credit card eligibility
2. ICICI Platinum credit card charges
3. ICICI Platinum Credit Card Benefits and Features
4. Documents required to apply for ICICI Platinum Credit Card
5. ICICI Platinum Credit Card Reward Points
6. ICICI Platinum Credit Card Apply

1. ICICI Platinum credit card eligibility

Platinum chip credit card from ICICI Bank is available for salaried and self employed . ICICI Platinum credit card eligibility details are mentioned below :

Eligibility Parameters	Criteria
Income	Above ₹ 30,000 per month
Age	23 Years to 57 Years
CIBIL Score	700 and above
Occupation	Salaried and Self Employed

2. ICICI Platinum credit card charges:

Particulars	Fee and Charges#
Joining Fee	Nil
Annual Fee (Second Year Onwards)	Nil
Supplementary Card Fee	Nil
Overdue interest on extended credit and cash advances	3.40% per month (40.80% annualized)

#All the Fee and Charges are sole discretion of ICICI Bank and subject to revision as and when decided by ICICI Bank.

3. ICICI Platinum Credit Card Benefits and Features

ICICI Bank Platinum credit card offers 1% fuel surcharge waiver. However, this is only valid for the first 4,000 transactions. you need to swipe your card at HPCL pumps to enjoy this perk, .

ICICI Bank Platinum Chip credit card annual charges are waiver with spend of Rs 50,000 in previous years. which makes this credit card free for lifetime.

Platinum chip credit card from icici bank provides an opportunity to earn 2 Payback point on purchase of Rs 100 or More. this does not include petrol purchase. 2000 PAYBACK points can be redeemed at HPCL petrol pump, These 2000 PAYBACK Points are worth Rs 500/-

ICICI Bank credit card entitles you to earn PAYBACK Points on your transactions. PAYBACK is India’s largest Reward Point Programme.

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4. Documents required to apply for ICICI Platinum Credit Card

Following KYC and Income documents are required to process a credit card

Income Proof	Identity Proof	Proof of Address
3 Month’s Salary Slips for Salaried Profile	Driving License	Passport
Form -16 Salaried Profile	Passport	Aadhar Card
IT Returns – Self Employed (Business / Professional)	Aadhar Card	Voter Card

Note: Documents mentioned above are indicative the bank may ask you to submit a few other documents as required.

5. ICICI Platinum Credit Card Reward Points

PAYBACK Point can be redeemed for many options i.e., movies, travel vouchers, lifestyle products, mobiles, accessories and more. When you use ICICI Bank Credit Card you not only earn PAYBACK Point and but also earn additional points from PAYBACK Partner brands for the same transaction.

Transaction Details	Point
Every ₹ 100 spent for all retail purchases except fuel	2 PAYBACK Point
Every ₹ 100 spent on utilities and insurance category	1 PAYBACK Point

Dining Discounts: Save a minimum of 15% on your dining bill at over 2,500 participating restaurants spread across 12 major cities with the ICICI Bank Culinary Treats programme on ICICI Bank Platinum Chip Credit Card.
Fuel Surcharge Waiver: 1% fuel surcharge waiver can be availed on fuel transactions of maximum Rs. 4,000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines.

6. ICICI Platinum Credit Card Apply

How to apply for ICICI Bank Platinum Chip Credit Card < follow below mentioned 3 Steps to apply for ICICI Bank Platinum credit card

Step – 1: Fill in your 11 details to check your ICICI Bank Credit Card eligibility.

Step – 2: Click on “I authorize ICICI Bank and its representatives to call/e-Mail/SMS/WhatsApp me regarding ICICI Bank’s credit card services”

Step – 3: Press “SUBMIT” button.

Click Here to start the application process.

What is the culinary treats program of ICICI Bank?

Culinary Treats program lets ICICI Bank Platinum Chip Credit Cardholders avail minimum 15% discount on dining bill at over 800 restaurants across India.

I have a salary account with ICICI Bank. Can I get ICICI Platinum Credit Card?

Yes. You can apply for this credit card click here to apply now. Since you are already a customer of the bank, your approval chances are higher.

I have already applied for ICICI Platinum Credit Card. How can I check my application status?

You can check ICICI credit card application status by reference number on their website or by calling the customer care of the bank.

How can I redeem Payback Points?

You can redeem the PAYBACK points for Cash or items from the Rewards Catalogue. The steps are:

You can redeem the reward points into cash by calling on 080-40146444.

To redeem points against an item in the reward’s catalogue call PAYBACK on 1860-258-5000. Alternatively, you may place an online redemption request at PAYBACK’s website.

How long does it take to convert PAYBACK Points into cash?

The redemption will be processed within 7 working days.

Are there are any dining benefits for this card?

ICICI Bank offers Culinary trets program with this credit card and you can easily save about 15% on all your dining experiences with the ICICI Bank Culinary Treats programme. This can be used at more than 2,500 restaurants in India.

What is the joining fee for the ICICI Bank Platinum Chip Credit Card?

You do not have to pay any joining fee to get this credit card.

What is the annual fee for Platinum Chip Credit Card ?

Annual fee charged on Platinum Chip Credit Card is NIL.

What is the second year renewal fee on Platinum Chip Credit Card ?

ICICI Bank charges a second year renewal fee of NIL on your Platinum Chip Credit Card

What is the interest charge per month on Platinum Chip Credit Card ?

ICICI Bank charges an interest of 3.40% per month on Platinum Chip Credit Card.

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Also Read : Credit Cards Offer Convenience , Helps You To Build Strong CIBIL

Disclaimer:

Credit Card approvals are at the sole discretion of ICICI Bank Ltd. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.