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ICICI Lifetime Free Credit Card

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Updated: 22-11-2024 07:51:00 AM

ICICI bank offers a variety of products and services to corporate as well as individual customers. ICICI credit cards are quite popular in the market as they offer great benefits for different types of customers. The first-time user can apply for ICICI lifetime free credit cards online as they offer decent rewards and do not cost much to the user.

There are three types of ICICI lifetime free credit cards available for the customers:

Note: The lifetime free credit card mentioned above means that either no annual charges are taken or this amount is reversed by the bank as decided on its usage.

ICICI Bank HPCL Coral Credit Card

This ICICI Bank credit card is good for people who are using credit card for the first time. It gives complimentary access to the domestic airport lounge once in every quarter along with a host of discounts. When compared with other bank cards, no other bank gives this to first-time users. Moreover, this card offers extra benefits on fuel purchases at HPCL pumps.

Benefits and Features:

  • This card has an in-built chip in it for security reasons.
  • This credit card gives a grace period of 18 to 48 days.

Rewards:

  • This card gives Rs. 100 as cash back if the fuel is purchased from any HPCL petrol pump, but the minimum bill should be of Rs. 500 or more.

ICICI Instant Platinum Credit Card

This is a secured credit card and is suited for unemployed individuals, homemakers, students and first-timers. Applicants are required to make a fixed deposit with the ICICI bank to avail this card.

Benefits and Features:

  • This ICICI credit card is available at zero annual fees with the only condition being that the customer has to open a fixed deposit with the bank.
  • This card offers replacement and global emergency service support to the holders.

Rewards:

  • The points that are accumulated as rewards via this credit card can be used for buying amazing gifts.

ICICI Bank Platinum Chip Credit Card

Beginners can also apply for this basic ICICI lifetime free credit card online. It is designed in such a way that it gives flexibility, convenience and extra security to the customer. When this card is used for dining, shopping or traveling, a bunch of exclusive benefits can be availed.

Benefits and Features:

  • This card is usable at any ATMs of the world.
  • This card also gives global service support and replacement assistance means if this card is lost it will be blocked and a new card will be sent to you.

Rewards:

  • On using this card the points collected can be used for buying amazing gifts with ICICI Bank tie-ups.
Common Benefits and Features of ICICI Lifetime Free Credit Cards
Charges and Fee of ICICI Lifetime Free Credit Cards

Common Benefits and Features of ICICI Lifetime Free Credit Cards

  • These cards help the user to avail 15% discount on the dining bill at premium restaurants under the Culinary Treat Program by ICICI Bank.
  • These cards give Rs. 100 discounts on movie ticket if it is booked through BookMyShow.com, twice a month.
  • These ICICI Lifetime Free Credit Cards give 2 reward points on every Rs. 100 spent on purchasing through the retail store but it does not include fuel usage.
  • Customer can avail 1% surcharge waiver if the fuel transaction amount is Rs. 4,000 or more and it is made at HPCL petrol pumps.

Charges and Fee of ICICI Lifetime Free Credit Cards

 Fee Type

HPCL Coral

Instant Platinum

Platinum Chip
Joining Fee Rs. 199+ GST Nil Rs. 199+GST
Annual Fee Rs. 199 but reversible on spending Rs. 50,000 or more during the same year. Nil Rs. 99 but is reversible on spending Rs. 50,000 or more during the same year.
Advance Cash Fee A minimum of Rs. 300 or 2.5% of the advance amount. A minimum of Rs. 300 or 2.5% of the advance amount. A minimum of Rs. 300 or 2.5% of the advance amount.
Charges of add-on card Nil Nil Nil
Charges on auto debit return A minimum of Rs. 450 or 2% of the amount transacted, plus GST. A minimum of Rs. 300 or 2.5% of the advance amount, plus GST. A minimum of Rs. 300 or 2.5% of the advance amount, plus GST.
Charges on Over limit A minimum of Rs. 500 or 2.5% or the over limit amount. A minimum of Rs. 500 or 2.5% or the over limit amount. A minimum of Rs. 500 or 2.5% or the over limit amount.
Fee on Cheque return A minimum of Rs. 450 or 2% of the amount transacted. A minimum of Rs. 450 or 2% of the amount transacted. A minimum of Rs. 450 or 2% of the amount transacted.
Fee on Cash Payment At any branch of ICICI its Rs. 100. At any branch of ICICI its Rs. 100. At any branch of ICICI its Rs. 100.
Outstation Cheque processing fee A minimum of Rs. 100 or 1% on the cheque value. A minimum of Rs. 100 or 1% on the cheque value. A minimum of Rs. 100 or 1% on the cheque value.
Rate Of Interest 3.4% per month 2.49% per month 3.4% per month
Reward points redemption fee Nil Rs. 99 Rs. 99
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