ICICI Bank Platinum Chip Credit Card
Updated on August 19, 2026
🎖️Reward Rate
2 Reward Points for every ₹100 spent (0.50% return).
Overview
India's trusted entry-level zero annual fee card. ICICI Platinum Chip Credit Card offers 100% Lifetime Free membership with zero joining fee and zero annual renewal fee forever, 2 ICICI Reward points per ₹100 spent, and up to 15% dining discounts via ICICI Culinary Treats.
Rewards
Reward Type
Reward Points
Reward Rate
2 Reward Points for every ₹100 spent (0.50% return).
Welcome Benefit
100% Lifetime Free benefit from Day 1.
Milestone Benefit
Annual renewal fee waiver on spending 100% Lifetime Free (Zero Joining & Zero Annual Fee forever)
Redemption
1 Reward Point = ₹0.25. Redeem on ICICI Rewards portal for shopping vouchers, electronics, or statement cashback.
Benefits
- 100% Lifetime Free (LTF) — Zero Joining Fee and Zero Annual Renewal Fee forever with no spend conditions
- Earn 2 ICICI Reward Points for every ₹100 spent on all domestic retail purchases (1 RP = ₹0.25 = 0.50% return)
- Earn 1 ICICI Reward Point for every ₹100 spent on insurance and utility categories
- Save minimum 15% on dining bills across 2,500+ partner restaurants in India via ICICI Culinary Treats program
- 1% Fuel Surcharge Waiver on all transactions between ₹400 and ₹4,000 at HPCL petrol pumps
- Ideal first credit card to build an exceptional CIBIL credit score with zero maintenance cost
- 100% Lifetime Free with no minimum spend requirements.
- Up to 15% dining discounts via ICICI Culinary Treats.
- Eligible for all ICICI Bank instant discount sales on Amazon, Flipkart, and Apple.
Things to Know Before you apply
ICICI Bank Platinum Chip Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: > ₹25,000/month; Self-Employed: ITR > ₹5,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
ICICI Bank Platinum Chip Credit Card Customer Care
- Toll Free: 1800 1080
- Landline: +91 22 3366 7777
- Concierge Service: customer.care@icicibank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (Min ₹500) |
Fee waiver: 100% Lifetime Free (Zero Joining & Zero Annual Fee forever)
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The ICICI Bank Platinum Chip Credit Card issued by ICICI Bank is a top choice in India for targeted category spend. It features 3.50% + GST forex markup and generous reward multipliers.
Pros
- • 100% Lifetime Free with no minimum spend requirements.
- • Up to 15% dining discounts via ICICI Culinary Treats.
- • Eligible for all ICICI Bank instant discount sales on Amazon, Flipkart, and Apple.
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
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- • 100% Lifetime Free benefit from Day 1.
- • Swiggy One & Times Prime memberships upon achieving ₹75k spend in 90 days.
- • ₹0 default welcome voucher (pure cashback product focused on ongoing 5% return).
- • 2 Reward Points for every ₹100 spent (0.50% return).
- • 4 Reward Points for every ₹150 spent (1 RP = ₹0.50 = 1.33% return on SmartBuy flights/hotels).
- • 1% cashback on offline POS and retail purchases.
- • 100% Lifetime Free with no minimum spend requirements.
- • Up to 15% dining discounts via ICICI Culinary Treats.
- • Eligible for all ICICI Bank instant discount sales on Amazon, Flipkart, and Apple.
- • Low 2.0% forex markup on all overseas transactions.
- • Save up to ₹6,000 per year on BookMyShow movie tickets.
- • 8 Global airport lounges (domestic and international) per year.
- • No specific merchant tie-in — works across all online retailers.
- • High monthly cap of ₹5,000 cashback (on ₹1,00,000 online monthly spend).
- • Direct balance deduction on statement.
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified