ICICI Bank
Classic · Platinum Chip
ICICI Bank Platinum Chip Credit Card
ICICI Bank
A lifetime-free entry-level credit card with reward points on every spend
Annual Fee
Free
Joining Fee
Free
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹1,500
Total Annual Benefits
₹1,500
Total Annual Charges
₹0
ROI
100%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Reward Points (1)
Reward Points on All Spends
Earn 2 reward points per ₹100 on all transactions
- • Excludes cash advances, EMI conversion
2 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹100 per statement cycle
1% waiver
₹1,200/yr
Cashback Benefits (1)
No Annual Fee
Lifetime free card with no joining or annual fees
- • No minimum spend required to maintain free status
LTF
Reward Program
Program
ICICI Reward Points
2 RP per ₹100 on all spends
Effective cashback: 0.50%
Points expire: 3 years from date of accrual
Redemption Options
- → Products & Vouchers from ICICI Rewards Catalogue
- → Statement credit
Bonus Categories
All Spends
2x multiplier
2 RP per ₹100 on all transactions
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Free (Lifetime) |
| Annual Fee | Free Free (Lifetime) |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.53%
- Late Payment Fee
- ₹1,200
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹200
- Other Bank Withdrawal
- ₹200
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹100/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹2,00,000
- Min. Credit Score
- 650
- Age Range
- 18 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹15,000
- • Self-Employed: ITR > ₹2 Lakh p.a.
- • Age 18–60 (salaried), 18–65 (self-employed)
- • Ideal for first-time credit card users
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
- • No complimentary lounge access on this card
Transaction Limits
ATM Withdrawal / Day
₹15,000
POS & E-Commerce / Day
₹1,00,000
Contactless / Txn
₹2,000
Features
Lifetime free (no annual fee) Contactless payments EMV chip security Add-on cards available EMI conversion facility Easy approval for beginners Basic rewards on all spends
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The ICICI Bank Platinum Chip Credit Card is a Visa Classic entry-level card with zero annual and joining fees (LTF). It offers 2 reward points per ₹10...
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