ICICI Bank Platinum Chip Credit Card
Verified · August 25, 2026
4.9/5.0PaisaSimple Review
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
Overview
ICICI Bank Platinum Chip Credit Card by ICICI Bank provides premium value tailored for Entry Level cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
- • 1 Point per ₹100 (1 point per ₹100 on utility and insurance)
- • Accelerated Rewards: Standard retail points without cap
- • Excluded Categories: Fuel
Welcome Benefit
Zero joining fee and lifetime free privileges on approval; Qualification Criteria: Card activation; Fulfillment Timeline: Immediate
Milestone Benefit
Spend Unconditional (Lifetime): Lifetime Free Card with zero annual maintenance fees; Annual Fee Waiver: Lifetime Free unconditionally
Redemption
ICICI Rewards merchandise, vouchers, and statement cash credit
Benefits
- Fuel Surcharge Waiver: 1%
- Culinary Treats Discount: Minimum 15% discount at 2,500+ restaurants across major cities in India. (Available via ICICI Culinary Treats) [Partners: Culinary Treats]
Things to Know Before you apply
ICICI Bank Platinum Chip Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried min ₹15,000/month or FD-backed security
- Salaried & Self-Employed Individuals
- Resident Indian
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: Lifetime Free unconditionally
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
ICICI Bank Platinum Chip Credit Card issued by ICICI Bank is one of India's leading credit cards for Entry Level spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
- • 1 Point per ₹100 (1 point per ₹100 on utility and insurance)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
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Best Suited for
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Cashback
Rewards
Fee Details
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Welcome Benefit
- • Zero joining fee and lifetime free privileges on approval
- • Qualification Criteria: Card activation
- • Fulfillment Timeline: Immediate
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card issuance, plus 5% cashback up to ₹1,000 on first EMI transaction
- • Qualification Criteria: Min ₹15,000 spend within 90 days of setup
- • Fulfillment Timeline: 30 days post criteria completion
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card setup, plus 5% cashback up to ₹1,000 on first EMI order
- • Qualification Criteria: Min ₹15,000 spend within 90 days
- • Fulfillment Timeline: 30 days post qualifying period
Reward/Cashback Rate
- • Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
- • 1 Point per ₹100 (1 point per ₹100 on utility and insurance)
- • Accelerated Rewards: Standard retail points without cap
- • Excluded Categories: Fuel
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on spends exceeding ₹20,000 per month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on incremental spends > ₹25,000/month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet reloads
Pros
- • Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
- • 1 Point per ₹100 (1 point per ₹100 on utility and insurance)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions