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

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    ICICI Bank Instant Platinum Credit Card

    The ICICI Bank Instant Platinum Credit Card can be availed by existing customers of ICICI Bank who has an active fixed deposit account with the bank. Such customers can avail the ICICI Bank Instant Platinum Credit Card instantly, over-the-counter. The option of applying online for this credit card is also available, if the customer has enabled net banking facility. Even though the ICICI Bank Instant Platinum Credit Card is offered quickly with minimal documentation and zero processing time, this card is at par with the other ICICI bank credit cards in terms of privileges and benefits such as discounts on various purchases, higher reward points, etc.

    Special Benefits of this card:

    • Enjoy more reward points on purchases, which can be accumulated and redeemed for cash.
    • When you purchase up to 2 movie tickets through the BookMyShow website, avail a discount of Rs. 100 per month
    • Get at least 15% off on all your dining spends at over 800 restaurants, as a part of ICICI Bank Culinary Treats program.
    • Enjoy an attractively low rate of interest on this credit card. The interest rate applicable on the card is just 2.49% per month.

    Benefits of ICICI Bank Instant Platinum Card:

    PAYBACK rewards:

    Earn 3 Payback points for every Rs. 100 spent on the card. This can be redeemed against a wide range of exclusive rewards. This is valid internationally.

    Free Movie Ticket:

    When you buy movie tickets online from the bookmyshow website, you can enjoy a discount of Rs. 100 twice each month. This can add up to a saving of Rs. 2,400 annually. There is a daily limit set on this service since the number of tickets are limited and booking is provided on a first come first serve basis.

    Culinary Treats Program:

    The ICICI Bank Instant Platinum Credit Cardholder can save up to 15% on his/her dining spends, through the Culinary Treats Program that is available on the card. This is applicable in more than 800 premium restaurants in over 10 cities in India.

    Fuel surcharge Waiver:

    The ICICI Bank Instant Platinum Credit Cardholder can also avail a fuel surcharge waiver of 2.5% for any fuel transaction worth up to Rs. 4,000 at HPCL pumps. The card has to swiped using the ICICI Merchant Services swipe machine.

    VISA Offers on Dining, Wellness and Hotels:

    Customers can also enjoy exclusive lifestyle benefits and privileges in India as well as abroad, when they use the ICICI Bank Instant Platinum VISA credit card. VISA offers special deals and discounts on services offered by leading restaurants, luxury hotels, spas, lifestyle stores and much more.

    Features of ICICI Instant Platinum Credit Card:

    Instant, over-the-counter Card issuance:

    You can apply for an ICICI Bank Instant Platinum Credit Card and get it instantly over the counter. This is possible only if you have an existing Fixed Deposit account in ICICI Bank. Even if you do not have a fixed deposit account, you can open one by providing the required details and depositing the required funds and then avail this Card instantly. Over 2000 branches of ICICI Bank offers this card which is issued against the customer’s Fixed Deposits.

    Assured, free Card:

    This is a free card which is assured to a customer with a valid fixed deposit account in ICICI Bank and this can be availed at Zero Annual Fees. You also need not submit any income proof or other related documentation.

    Global Emergency Assistance:

    Around the clock emergency assistance is offered to the credit cardholder, while he or she is in India or abroad. In case of loss or theft of card, quick Card replacement service is also available.

    Low interest rate:

    You can enjoy more liquidity by earning interest on your Fixed Deposit and using the credit available on your ICICI Bank Instant Platinum Credit Card. The interest rate applicable on your credit dues on this card is only 2.49% per month. Interest will not be charged on the cardholder’s purchases if he/she repays the full amount that is outstanding. Interest will be charged only if the customer does not make payments towards the outstanding balance.

    Chip and Pin Card:

    ICICI Bank Instant Platinum Credit Card has an embedded microchip that offers an extra layer of security against malpractices and frauds. There is a Personal Identification Number (PIN) that will have to be keyed-in at merchant outlets to authorize a payment using this credit card. However, while making online purchases it is not required to enter the PIN. In order to validate online transactions, customers should register the credit card for 3D secure payments which is verified by VISA.

    Eligibility Criteria:

    To get an ICICI Bank Instant Platinum Credit Card, all you need is:
    • An active Fixed Deposit in any branch of ICICI Bank.
    • Funds worth at least Rs. 20, 000 must be available in the Fixed Deposit account.
    • The fixed deposit must have been opened for a minimum tenure of at least 180 days.
    The Instant Platinum Credit Card cannot be issued to an applicant in the following situation:
    • If the Fixed Deposit exists in under the name of a third party or entity such as Society, HUF, Partnership firms, Trust or Company.
    • If the fixed deposit is against Quantum/ Linked/ NRE/NRO/ 80C/ HFC, etc. or if there is an existing lien marked on the Fixed Deposit.
    • This credit card will not be available to foreign nationals and minors.

    Fees and Charges:

    Joining FeeNil
    Annual FeeNil
    Supplementary Card FeeNil
    Overdue interest on extended credit 2.49% per month (29.88% annually)
    Interest on cash advances2.49% per month (29.88% annually)

    ICICI Bank Instant Platinum Card FAQs:

    1. What is a self-set limit?

      The credit cardholder can set a spending limit on his/her supplementary credit card or add-on card, on a monthly basis. If any transaction is made over the specified 'Spend Limit', it would be declined.

    2. What is the revolving credit facility?

      ICICI Bank Instant Platinum Credit Cardholders have various options available for repaying the credit due on their card. The payment options available to them are:

      • Pay the entire outstanding amount which is due
      • Pay the minimum amount due only.
      • Pay an amount which falls within the minimum amount due and the total outstanding.

      The remaining amount due will be carried forward to the next billing period. This is known as the revolving credit facility.

    3. What is the auto-debit facility?

      Auto-debit is a feature that allows an ICICI Bank Instant Platinum Credit Cardholder who has an ICICI Bank account, to place standing instructions for the payment of their credit card bills directly through their bank account. This can be initiated by submitting a written instruction to ICICI Bank or by informing the ICICI Bank Customer Care Centre, to debit the amount every month to your account.

    4. What if there is a delay in payment of outstanding amount beyond the payment due date?

      If the borrower does not make a payment towards the credit due on his/her ICICI Bank Instant Platinum Credit Card, then a late payment fee will be levied on payments made afterwards. A penalty interest will be levied on the outstanding amount for the number of days during which the payment has been delayed.

    5. What should I do if my card is lost or damaged?

      If your card is lost, misplaced or stolen, you should immediately inform the ICICI Bank Customer Care Centre. The card will be blocked and a new card will be issued to the primary cardholder within seven days.

    ICICI Bank Instant Platinum Credit Card Reviews

    • ICICI Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      I have been using ICICI Platinum card for more than 1.5 years. The credit limit is low which they need to increase. IVR takes longer time for the connectivity also they need to improve the service. There is no annual charge for this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I am not satisfied with the credit card that i am using it with the ICICI BANK because the credit limit with this bank card is not satisfactory also there are no offers available with this credit card. There is a EMI conversion option with this credit card which is good also it is easy to convert.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been ten months since i am using this credit card and the services which they had provided me has been pretty good. But the credit limit with the card has been less and there has not been any annual charges with this card. I had been using this credit card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Never understand the value of the customers"
      0.5 1.0/5 "Really Bad"
      I purchased the ICICI credit card 4 months before . I have huge transaction in ICICI salary account , but even though they provided me a credit limit of 25 k only . I am highly disappointed with the ICICI service . Never understand the value of the customers and customers requirements .
      Was this review helpful? 1
      , gulbarga
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this credit card for the last six months where services with them was quite good. The credit limit with the card has been good and it has been a life time free card. I am using this credit card for all purposes like shopping and for most of my purchases.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      The reason to like this ICICI card, they are providing best services compared to other credit card. The offers are very good like reward points and discounts on the shopping, hotel etc. They have cash back of 1% at fuel filling, its a life time free signature credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this credit card for the last couple of years and the services which they had provided so far was pretty good. There is an annual charges of 500 with this card and there is some good offers which comes with this card as well. I am happy with the credit limit with the card as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Best reward card"
      0.5 5.0/5 "Blown Away!"
      I am having ICICI BANK EXPRESSION credit card for the past 1year.This is one of the best reward shopping and travel we can use this card. Credit limit is really good and sufficient. Customer service and responsiveness in Bank is really good.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is doing good in the credit card features. The customer support is fine and they are responsive too. The statements are clear and sent to me on time. The credit limit is also good and there are good deals on the card. It is convenient when I use it and there are no annual charges on the card.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Best Service provider"
      0.5 5.0/5 "Blown Away!"
      I am a bank employee of ICICI, for the online shopping I get more discount in amazon, flipkart etc. I am using this credit card around six years, everything is satisfactory with my bank credit card. The bill part is very keen and clear, they send email statement before the due date.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I am not using the ICICI bank credit card as I am not happy with the services. Apart from not providing the offers, without any intimation they have charged me Rs.700 for not using the credit card. Since I did not make that payment, the interest amount has accumulated and now it is a fee of 1900. I tried contacting the customer care and they did not answer the call.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI credit card for last 3 to 4 years and it was a good card. Its a Coral card and the credit limit is average. The annual charges are applicable and its 500 rupees. I have contacted the customer service and its good. Also there is option for EMI.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "They need to incrsae the credit limit of customer "
      0.5 4.0/5 "Great!"
      The services of ICICI BANK is good, i am holding this card for past 6 month .The service was fine they come up well with lots of offers on e commerce website specially on AMAZON and FLIPKART . The customer service do proper follow up here . I got card on time .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      MY application was taken with ICICI BANK , i am holding this card for more than 5month . Benefits were reward points , cash back and so many, i am happy with the benefits here . The process of getting the card was good and customer service of this bank are very helpful .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      MY application was taken with ICICI BANK , i am using this card for past few year . I use this card for both online as well offline . I use to get proper mail and messages after transaction this is the best part . I use to get reward point as well cash back also .
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI BANK . They offered me a very low limit . It has got Cash back offers . Customer support is also good.I am holding this card for past few months and never had any issues with their services. Thee is no joining fee here with this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had taken this credit card almost ten years back and i had closed it since because of the higher interest rate with them. The services which they had provided has been fine and the credit limit with the card has also been good. The annual charges with this card has been reasonable.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I am using this credit card for the last couple of months and the services of them has been pretty good. But the credit limit with the card was only around 18,000 which is very less. They had made a charge of 5000 for the over limit spend which is not that good. I just used the card for some purchases.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK the card has the satisfactory credit limit also the card is life time free card also it is user friendly with no issues with this credit card. They provide with the sufficient offers which is very good than others.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "GOOD CARD TO USE"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK they have offered the credit limit which is sufficient with this credit card. There are good offers with this card also there is a EMI conversion option with this card but not yet used it. The customer service is very good with this bank.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 20, 2019
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