Reward Points
Rewards
2X reward points on all retail spends
Lifetime free
No annual card fee is charged
Dining
Discount offers on dining at restaurants
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ICICI Platinum Chip is a lifetime-free entry-level credit card, ideal for individuals who are beginning their credit journey. With no joining or annual fee, this card can be used to build up your credit profile while earning reward points on every card spend, including utility bills and insurance payments. Cardholders can earn 2X rewards on retail purchases, making it a suitable choice to save on everyday purchases. Moreover, the card provides a 1% fuel surcharge waiver and exclusive dining discounts which add to the overall value-back.
However, beyond its basic rewards program, the card lacks any significant lifestyle or milestone benefits. While it serves as a good starting point for first-time credit users, those looking for a higher reward rate or additional lifestyle privileges may find better rewards credit card options in the market. Still, its relaxed eligibility criteria and no annual cost structure make it a low-risk, beginner-friendly choice for credit building.
On every spend of Rs. 100, ICICI Bank Platinum Chip Card offers –
In addition to the reward points on card spends, this ICICI Bank Credit Card also offers benefits like dining discount and fuel surcharge waiver, as given below:
Cardholders can avail discount offers offered under the ICICI Bank Culinary Treats Program at the partner restaurants.
1% fuel surcharge waiver is available at HPCL petrol pumps on fuel transactions worth Rs. 400 to Rs. 4,000
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Spend Rewards₹0
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| Particulars | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Nil | ||||||||||||||||||
| Finance Charges | 3.75% per month (45% per annum) | ||||||||||||||||||
| Late Payment Charges |
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You are new to credit and are looking for an entry-level card to build your credit profile
You prefer to get a basic rewards credit card, over a cashback one
You want a card without any annual fee
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ICICI Platinum Chip credit card doesn’t charge any annual fee and comes with a simple rewards structure which makes it a decent choice for those who are new to credit cards. Its rewards program also includes utility bills and insurance payments, which are often excluded by many credit cards. Dining discount offers across a wide range of restaurant options and fuel surcharge waiver further let the cardholders to increase their overall savings using this card.
Everything you need to know about this credit card
You can apply for this credit card through both online and offline modes. To apply online through Paisabazaar, you can simply enter your mobile number in the form available on this page and carry out the application process, or you can also visit the official bank website. Apart from this, you can visit any of the nearest branches of ICICI bank to apply offline.
Yes, people who do not have a credit score or are new to the credit journey can apply for this credit card. This is an entry-level credit card that is designed for people who want to avail basic benefits without any annual fees.
Yes, anyone can apply for this credit card regardless of whether you have an account with the bank or not.
You can check the application status through online and offline modes. You can visit the official website of the bank and check the application status by entering your application number. Apart from this, you can also call on the ICICI Credit Card customer care number and ask the representative about the application status.
The bank charges a cash advance fee of 2.5% of the transacted amount or a minimum of Rs. 500 on every such transaction made using ICICI Platinum Chip Credit Card. In addition to this fee, an interest rate of 3.75% per month (45% per annum) is also applicable on the withdrawn amount from the date of cash withdrawal till the full repayment of card dues. Therefore, it is advisable not to withdraw cash using a credit card as it incurs high charges.
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Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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4 Comments
Does this card have airport lounge access
No, ICICI Platinum Chip does not offer any complimentary airport lounge access.
Does ICICI Platinum chip credit card provides lounge access.
No, ICICI Bank Platinum Chip credit card does not come with any complimentary lounge access for the card users.