Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • ICICI Bank HPCL Platinum Credit Card Reviews

    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I hold a platinum chip card from ICIC bank I got it very recently. The customer service is good with ICICI bank. The service which is given by ICICI bank is very good. The credit card service is very good from ICICI bank. I would say the ICICI bank gives good response to the customers.
      Was this review helpful? 0
      , lucknow
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      ICICI bank credit card is the one ,which am having from the last four years of time.I would like to say that the response is good one with the ICICI bank credit card.Customer service is good one and its instant too. Online payment services are feasible too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "They should give easy access"
      0.5 3.5/5 "Pretty good"
      ICICI was not upto the mark, If I want to track the credit card details in ICICI, its difficult to get user id and password. But other banks are offering the log in id to check credit card details through online. But ICICI was not good, they should work on it.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having ICICI bank Coral visa credit card for more than 5 years. The customer service is very good with ICICI bank. I use this card for shopping, for petrol usage, and for other purchases. I am not satisfied with the credit limit, still they can increase the limit as per the customers requirement. I pay the Annual fee of Rs.499 every year.
      Was this review helpful? 0
      , hubli
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Very Disappointed"
      0.5 1.0/5 "Really Bad"
      I had ICICI credit card earlier, their interest rate was high on monthly dues and customer service was not helpful, they mostly weren't available. In term of offers also they were not upto the mark. Quality of ICICI card is cheap the plastic type is very bad.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "More Advantage"
      0.5 4.0/5 "Great!"
      ICICI bank provides the maximum reward points for my credit card. I could not match ICICI bank with other banks on this reward points, because they are liberate. Gaining reward points is a good thing, more than that, the bank has excellent options for redemption. I can convert it as cash or I can make use this on shopping or for recharge.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      Having the ICICI bank platinum Chip Visa credit card for 1 year. I use this card for Online shopping , petrol usage, utility bill payments with this ICICI bank chip card. I pay the annual fee of Rs.1000 every year, The reward points, cash back offers are available with this card. I am satisfied with the credit limit.
      Was this review helpful? 0
      , rohtak
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Its Convenient"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card for more than third years. Offers are really good. They are giving petrol surcharges, other than that they giving rewards points for every spend. I could also redeem the reward points into mobile wallet by Mobiquick application.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I am using a credit card from ICICI bank from last four months of time for this credit card I had applied many time then they have approved it, the worst part of this card is without informing they debit the amount later they inform, when I receieved the card the limit was 20000 ruppes later i can see they have added an insurance in my card for 10000 and now my limit is 10000, what kind of service is this, again later when I cancelled this insurance they have charged 6000 rupees and reverted back 4000 rupees. Very worst bank ever.
      Was this review helpful? 0
      , amritsar
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Great Job"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI bank credit card and I would like to say it is the best one. ICICI bank is providing the instant and prompt response too. Responsiveness is really good one with the ICICI bank credit card and their payment modes are really good, also they used to intimate on the instant basis before the due date itself.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      When I took ICICI credit card they gave me complimentary voucher worth Rs.3000 before eight months and also they gave me sufficient credit limit. I have selected ICICI coral credit card because I have option to get cash back for fuel filling and for Rs.100 spent they gives me two reward points.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      ICICI Bank has been good in the process for a credit card. I have not yet explored on it since I recently got the card. There was a joining fee for the card and the limit the bank has offered me is not that great but I am happy about the fast process in receiving it.
      Was this review helpful? 0
      , shyamnagar
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Coral credit card, every month they provide me four movie tickets free, other than that they also offers me pre approved loan with nominal interest . Initially my credit limit was Rs.26,000 now it is Rs. 1 lakh its sufficient, they upgraded it based on my performance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Charges are high"
      0.5 2.0/5 "Expected more"
      Actually I have credit card of ICICI bank. But nowadays I stopped using the card. I had given with some credit limit. But I felt that the interest rate is too high. I used my card for mobiles and some other things but the EMI charges are very high so I stopped using it.
      Was this review helpful? 0
      , dindigul
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Its good to hold"
      0.5 3.0/5 "Satisfactory"
      Everything is fine with ICICI credit card expect the credit limit, first time ICICI gave me Rs.30,000 as a credit limit it was very low, after few days they increased around Rs.45,000 still its low. Other than that everything is good, they gave EMI option of one year and I use my coral credit card to fill the petrol I get surcharges to my account.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Gold to use and hold"
      0.5 4.0/5 "Great!"
      As of now there is no dues on my ICICI coral credit card, every time I am making the full payment.But there is some annual fee applicable of Rs.500 but they give payback, reward points and also I am getting discounts on air tickets. I am very much fine with their service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Fine Service"
      0.5 3.0/5 "Satisfactory"
      This is my life time free credit card. Card is very much comfortable for the usage. Whenever I use the card, I used to receive reward points from the bank. Even it is much easy to redeem all the points. Credit card service is actually good with ICICI bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Fine"
      0.5 4.0/5 "Great!"
      As I am an account holder of ICICI bank, I availed ICICI credit card services. Seriously, I do not have any idea about the charges of my card. Because I do not know whether it is a chargeable one or life time free card, but the features of the card are fine. And till date, I did not face any problems from the bank on my credit card.
      Was this review helpful? 0
      , mundra
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using coral credit card, It was very good for shopping purpose. I could convert the reward points ICICI service is really good, I download my statements online regular soft copy to check. Based on the salary account they have offered me this credit card and the limit they have offered me is 60000 approximately
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      Holding a ICICI bank Coral card for past 2 years. The benefits like movie tickets from Book my show, reward points and the cash back offers are available with this card. I am satisfied with the credit limit and happy with the ICICI bank service. The rate of interest is nominal with ICICI bank credit card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 18, 2017
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    ICICI Bank HPCL Platinum Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    ICICI Bank offers a credit card that promises great rewards with the option to save intelligently as well. No more fuel woes or those nasty surcharges. The ICICI Bank HPCL Platinum Credit Card combines the best of rewards and savings and presents a card that is simple, hassle free and allows customers to manage their hard earned dough. With minimal charges and fantastic benefits, the HPCL Platinum Credit Card is a boon in disguise.

    Savings and Rewards: With 2.5% cashback, reduce fuel bills:

    Customers can avail a maximum of Rs. 100 when they purchase fuel at all HPCL petrol pumps year on year and month on month when ICICI Merchant swipe machines are used to swipe the credit cards.

    Save on the fuel surcharge:

    ICICI Bank HPCL Platinum Credit Cardholders can now avail a fuel surcharge waiver of 2.5% when fuel transactions are of a maximum of Rs. 4000 at all HPCL pumps. This is available only when the cards are swiped on ICICI Merchant Services swipe machines.

    Rewards by PAYBACK:

    Every time ICICI Bank HPCL Platinum Credit Cardholders spend Rs. 100, they receive accelerated 2.5X Rewards. Customers can receive 2 PAYBACK points on spends and 5 PAYBACK points on spends related to fuel. Users can also use their PAYCHECK membership card at selective HPCL petrol pumps to immediately receive points that can be redeemed for fuel. Apart from this, customers can also receive fuel worth Rs. 500 for every 2000 PAYBACK Points that they earn.

    Annual Fee Savings:

    ICICI Bank HPCL Platinum Credit Card holders stand the chance to reverse their annual fee of Rs. 199 by spending Rs. 50000 or more on their card annually. Customers should note that, in order to be eligible for this offer, their credit card should not have been cancelled during the time of applying for the annual fee reversal.

    Additional Benefits of the ICICI Bank HPCL Platinum Credit Card:

    Off on movie tickets:

    Customers can procure a discount of Rs. 100 on any given day during the week on tickets booked through Book My Show. This discount is available two times each month and if customers do not book tickets, they can save Rs. 2400 every year. It is to be noted that the tickets issued are limited and can be procured on a first come first serve basis as long as the daily limit is available.

    Savings on Dining:

    ICICI Bank HPCL Platinum Credit Card users can enjoy lip-smacking delicacies at more than 800 restaurants across the country while saving a minimum of 15% thanks to Culinary Treats, which is the premier dining program by ICICI Bank.

    Offers on Wellness, Dining and Hotels:

    Appreciate the value of a good life within the country or even abroad thanks to amazing deals offered by VISA with wonderful offers from lifestyle stores, spas, restaurants and more.

    Fees and Charges for the ICICI HPCL Platinum Credit Card:

    Joining FeeRs. 199 plus service tax
    Annual Fee for the first yearNil
    Annual Fee for the second yearRs. 199 plus service tax
    Supplementary Card FeeNil
    Overdue Interest on Extended Credit40.80% annually which is 3.40% each month
    Interest on Cash Advances40.80% annually which is 3.40% each month
    Cash Advance - Transaction FeeA minimum of Rs. 300 or 2.5% on the advance amount
    Redemption Handling FeeRs. 99 for catalogue based redemptions and Rs. 25 for redemptions that are either store bought or online from brands that are PAYBACK Online partners.
    Dial-a-draft Transaction FeeA minimum of Rs. 300 or 3% of the draft value amount
    Over limit ChargesA minimum of Rs. 500 or 2.5% on the over-limit amount
    Return of Cheque2.5% of the total amount that is due or a minimum of Rs. 250
    Auto Debit Return Fee2.5% of the total amount that is due or a minimum of Rs. 250
    Fee on Cash Payment at branchesFor every payment transaction, Rs. 100 is charged
    Outstation Cheque Processing Fee1% of the value of the cheque or a minimum of Rs. 100
    Duplicate Statement RequestIf more than 3 months, then Rs. 100 is charged
    Fee for replacing the cardRs.100
    Cash/Cheque pick up feeFor every pick-up, Rs. 100 is charged
    Chargeslip RequestFor every chargeslip
    Foreign Currency TransactionMark up of 3.50%
    Service TaxCurrently, 12.36%

    ICICI HPCL Platinum Card FAQs:

    1. Is there a joining fee applicable for the card?

      Yes, there is a joining fee of Rs. 199 that is charged while availing the ICICI Bank HPCL Platinum Credit Card

    2. Is there a surcharge applicable on railway bookings?

      Yes, there is a surcharge of 1.805% of the transaction amount that is charged if tickets are purchased online and in other cases, there is a surcharge of 2.50% of the transaction value that is charged.

    3. What are the late payment charges?

      Charges are applicable based on the total amount due. This is given in the table below

      Total Amount DueCharges
      > Rs. 100None
      Rs. 100 - Rs. 500Rs.100
      Rs. 500 - Rs. 10000Rs.500
      Rs. 10000 - Rs.20000Rs.600
      < Rs. 20000Rs.700
    4. Can the annual fee be reversed at any given time?

      During the anniversary year, if total spends total up to Rs. 50000 or more than for the following year, there is no annual fee charged.

    5. How long does it take for a new credit card to be processed?

      New credit cards take up to 21 days to be processed.

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