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 Reviews

    • ICICI Bank Credit Card
      "Satisfied with the benefits"
      0.5 5.0/5 "Blown Away!"
      The offers on my credit card is the best and the credit limit too. ICICI Bank has also offered me a balance transfer option on the card which is helpful and also a loan and EMI facility. The statements are clear and it is well explained about the transactions.
      Was this review helpful? 0
      , indore
      Reviewed on May 19, 2017
    • ICICI Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I do hold a credit card with the ICICI bank and am having it from the last 2.5 years of time. Customer service is really good one and I made the payment to them via ECS , so there are no reminders, also I did not get any calls from them. ICICI bank credit card is pretty good and its depends up on the income.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 19, 2017
    • ICICI Bank Credit Card
      "Long term companion"
      0.5 4.0/5 "Great!"
      I always prefer using ICICI bank credit card , at one occassion they did not increase the limit at the appropriate time and that was the only time they have let me down. I had been with them from the last ten years of time. Credit limit value is fine for me and it is quite satisfactory too. Also the Rate of interest was not really huge with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Best of benefits"
      0.5 5.0/5 "Blown Away!"
      I also bank with ICICI Bank for a credit card. The offers are too good. I get nice features and the reward points I earn I can redeem it online as well on shopping. The credit limit is good and the card is accepted at any outlet and I can convert the transactions to a EMI as well.
      Was this review helpful? 1
      , mumbai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I would like to recommend my ICICI bank corral visa credit card . I do get much offers on it instead I get reward points. I use this card for the last 2.5 years and as per my usage and the interaction with the bank everything is fine. This card is free for life time. Credit limit they have offered is 75k.
      Was this review helpful? 1
      , new delhi
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am not very happy with the credit card from ICICI Bank. They have given me a credit limit of only 30K and there are no much of offers as well. SBI offers me a better credit limit and and decent offers too. There could be an improvement in the services of ICICI Bank.
      Was this review helpful? 1
      , chennai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I do have credit card with ICICI bank. It is a chargeable card, the annual fee is around 500 rupees. I receive reward points and cash back offers from the bank but as of now I did not redeemed those reward points into cash. The rate of interest is something around 13.99%.
      Was this review helpful? 0
      , chandrapur
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 3.5/5 "Pretty good"
      It has been one and a half year when I received credit card from ICICI bank but they have offered me only 35000 rupees as credit limit. Initially it was platinum credit card now they have upgraded to coral credit card. Its a life time free credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Happy using this card"
      0.5 5.0/5 "Blown Away!"
      Holding ICICI Bank Platinum chip VISA credit card for past 3 years. There are benefits available with the reward points which can be redeemed only as vouchers. The interest rate is nominal with this card. There is no such plenty offers compared with SBI. Overall I feel happy using this card,. And moreover, I am happy with credit limit with this ICICI bank card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      I were using Coral credit card for long days, they gave movie tickets offers like buy one, get one free but whenever I tried it gave me error message stating try again later, its an inconvenient par and I am using two credit card from ICICI, but they wont send separate bills to check about the offers or transaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Need better offer and credit limit"
      0.5 4.0/5 "Great!"
      Four years back, I got ICICI platinum credit card but they yet not increased the offers or credit limit. Whenever I am using my credit card I would be getting reward points, But I am not aware of offers, ICICI wont give transparent about the offers on bill.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Hassle Free"
      0.5 5.0/5 "Blown Away!"
      I got the ICICI personal loan through the credit card without documents. Within 48 hours ICICI have disbursed the amount but interest rate was high they were charged 16% it was fixed rate. I have taken the amount within Rs. 3 lakhs with the tenure of four years and I am fine with ICICI credit card offers and the credit limit is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have used the ICICI bank credit card in very rare time and I was with them for ten years of time. I have not seen much advantages with them and the customer service works in a fine way. Bill payment procedures are nominal one with them and the online services too.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Nice benefits"
      0.5 4.0/5 "Great!"
      I get a lot of decent offers on my credit card and the bank has always sent intimated me when ever I make a transaction. I bank with ICICI Bank for the same and being an existing customer the credit limit is good. My statements are also on time and clear.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "No issues faced"
      0.5 5.0/5 "Blown Away!"
      I had earlier used a credit card with ICICI Bank and I closed it as I was doing too much of transactions on it. I used to transact for 1.50 lakh per month. As long as I used the card it was a nice experience and there has been no issues in the bills as well.
      Was this review helpful? 0
      , chennai
      Reviewed on May 17, 2017
    • ICICI Bank Credit Card
      "Overall good"
      0.5 3.0/5 "Satisfactory"
      I do have ICICI bank credit card for more than 2.5 years of time. The main advantage is the lounge access in the airport by using this ICICI bank credit card and the customer service is an excellent one, also their security is far better than their competitors. Always, I have to unlock the payback credit to redeem it like it used to be get closed in two to three months of time automatically.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 17, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The ICICI Coral credit card is used for the purchases like electronic and grocery items. I am happy with the credit limit with ICICI credit card. I got benefits with this card like rewards, cash back offer and fuel surcharge waiver, which I don't use any of it. The rate of interest is bit higher with this card as well late fee charges also applicable.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 17, 2017
    • ICICI Bank Credit Card
      "Quick in process"
      0.5 5.0/5 "Blown Away!"
      After me applying for a credit card with ICICI Bank, I received it on time and it was not a delayed process. I got it as promised and the credit limit the bank has offered me is good enough too. It is a life time free card and I did not have to pay any joining fees too. There is a buy one get one movie ticket free offer. Though I have not explored on the card yet. I am happy with the quick process.
      Was this review helpful? 0
      , pune
      Reviewed on May 16, 2017
    • ICICI Bank Credit Card
      "So far so good"
      0.5 4.0/5 "Great!"
      I also bank for a credit card with ICICI Bank and I am not a person who looks in for offers. When ever I need to use my card I do so and I have not faced any hassles till date. My transactions has always gone through with ease. There are no charges for my card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2017
    • ICICI Bank Credit Card
      "They should stick on their commitment"
      0.5 4.0/5 "Great!"
      When I took credit card they said there was no joining fee but they were charged the amount of 1200 and service tax. I spoke with their customer service, they said we can't do anything on it. I am not happy with their commitment , now I am planning to close it.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2017
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    ICICI Bank Instant Platinum Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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.

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