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ICICI Bank 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.

Lifetime Platinum Chip Credit Card

ICICI Bank Platinum Chip Credit Card Feature and Benefits

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  • Lifetime Free Platinum Chip Credit Card
  • Security of Chip and PIN: The new chip cards have an extra layer of security in the form of a Personal Identification Number (PIN). You will be required to enter your PIN on the terminal for transactions at merchant outlets.
  • Reward Program: Exciting Reward Programme powered by PAYBACK

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

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.

  • Reward Points:
Transaction DetailsPoint
Every ₹ 100 spent for all retail purchases except fuel2 PAYBACK Point
Every ₹ 100 spent on utilities and insurance category1 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 ₹ 4,000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines.

Fees and Charges:

ParticularsFee and Charges#
Joining FeeNil
Annual Fee (Second Year Onwards)Nil
Supplementary Card FeeNil
Overdue interest on extended credit and cash advances3.40% 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.

Eligibility and Documentation:

An Applicant needs to meet following criteria to get Platinum Chip Credit Card from ICICI Bank

Eligibility ParametersCriteria
IncomeAbove ₹ 30,000 per month
Age23 Years to 57 Years
CIBIL Score700 and above
OccupationSalaried and Self Employed

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

Income ProofIdentity ProofProof of Address
3 Month’s Salary Slips for Salaried ProfileDriving LicensePassport
Form -16 Salaried ProfilePassportAadhar Card
IT Returns – Self Employed (Business / Professional)Aadhar CardVoter Card

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

How to apply for ICICI Bank Platinum Chip Credit Card

Apply for ICICI Bank Platinum Chip Credit Card through in 3 Steps

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.

to start the application process.

FAQ (Frequently asked questions)

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?

Yes, 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


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.

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