Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • 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
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Its a Jet privilege coral credit card i am using from last one year of ICICI bank . The customer service is real good from their end . They provided me a limit of 25K and a cash withdraw option of rupees three thousand seven hundred . I receive reward points on using the card and i receive it and convert it into cash .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Looking for better feature"
      0.5 1.0/5 "Really Bad"
      I am not satisfied with very high interest on monthly basic and late payment fee was high. It has lot of inconvenient service than HDFC, they have normal credit limit of Rs. 40 it was also not sufficient for the transaction. Overall I am not okay with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank 1 year back. They have offered coral card and I get reward points and cash back offers. I am using the points on fuel purchase. The charges are 35 here for late payment.The customer service and responses was good and It took just 10 days for the whole credit card process here.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      The ICICI bank Platinum chip credit card is used by me for past 2years. I use this card for shopping,bill payments and for usages. The credit limit is average with this card and I am satisfied with it. There is annual fee of Rs.399 I pay towards this card.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Clarify the hidden charges"
      0.5 2.0/5 "Expected more"
      ICICI hidden charges was very high hence I wont recommend to others. I don't have any benefit, at time of activation they shared lot of offers but I could utilize such benefits. I checked with the customer service they wont give proper response regarding credit card queries.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good. Can do better in offers"
      0.5 3.0/5 "Satisfactory"
      I bank with ICICI Bank for a credit card as well and the services are average. They need to provide more offers and the limit is also not up to the mark. There are charges for the card and I am not that happy with this product. The services are good overall.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Got the ICICI bank platinum chip credit card for past 4years. The credit card service is good with ICICI bank. The customer service is good with ICICI bank credit card department. I am satisfied with the credit limit. There is no annual fee with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank 1 year back. They have offered coral card and I get reward points and cash back offers. I am using the points on fuel purchase. The charges are 35 here for late payment.The customer service and responses was good and It took just 10 days for the whole credit card process here.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good to use"
      0.5 5.0/5 "Blown Away!"
      I use Coral Credit Card of ICICI Bank. I am happy with the credit limit and using the card from 1 year. The offers are very good, It is a life time free card, I use net banking for the payment. The net banking is good to use and convenient. The customer service and response is good.
      Was this review helpful? 0
      , indore
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with ICICI Bank and it has been good till date. From time to time the offers are available and I am also informed about it. The credit limit is also to my satisfaction and there are no issues while using the card. There are a lot of deals online as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Best service "
      0.5 5.0/5 "Blown Away!"
      I hold a ICICI credit card with a limit of 30 thousand.It has no annual fees it in.No such unique benefits, all were given using this card, all are the same like other credit cards.I earn reward points for the purchase I make. I have an option to redeem the points at the outlet as well and at online stores.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank has also offered me a credit card and the deals on the card is good. The experience is perfect till date and there has been no sort of issues faced while using the card. The statements are clear and the cash back and rewards are useful.
      Was this review helpful? 0
      , gwalior
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "SATISFACTORY"
      0.5 3.0/5 "Satisfactory"
      ICICI bank has committed certain credit cards to me and have not given me the cards. So far I sent back three cards back to them. The card which I have now, has no issues with the credit limit. This is yet another product which has not proved satisfactory.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "SATISFACTORY"
      0.5 3.5/5 "Pretty good"
      Though I am not an existing customer of ICICI Bank for an account. They still offered me a credit card with the credit limit of 40K. If I use the card above 30K in a year, they would waive off the annual charges. Else I would be charged Rs. 200 as fee. The offers are good and there are no issues in using it.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good service "
      0.5 3.0/5 "Satisfactory"
      I hold a ICICI credit card with a limit of 25 thousand I have been using my card for past1.5 years they have not yet upgraded my card,requested multiple times no response from the bank.no additional charges are levied on the account.Easy EMI options are available for high value transaction.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      ICICI Bank is good in the credit card services. I have no hassles in using the card and the experience is good till date. There are offers and the credit limit is also good. The charges and interest rate is also normal when compared to other banks.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The coral credit card from ICICI bank is good on cash back offers and they have good offers on movie tickets. The services are good, they send statements on time and no hassles faced in using the card. They also have good online facilities as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      ICICI banking service was good. I use Titanium Visa Credit Card, The credit limit was good, they charge very less amount annually, They offer reward points on this card. I don't know about the rate of interest, my ratings are not applicable,
      Was this review helpful? 0
      , secunderabad
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have my salary account with ICICI Bank and they offered me a ICICI Bank Coral Master Credit card. I pay an annual fees around Rs. 300 to Rs. 400. For the past 2 years I have been using this credit card. I use this credit card for shopping, online recharges etc. I have got an insta loan based on my credit card. Even though I have my salary account with them the credit limit offered by ICICI Bank is low when compared with the credit limit given by State Bank of India.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "No problem with the application"
      0.5 5.0/5 "Blown Away!"
      I have an ICICI Bank Ferrari Credit card and felt the process of opening to be slight. I took the card only 15 days back, so I won't be able to give you a deep insight, but until now I felt the experience to be very good and exciting. The process of opening the card was very simple.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
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