Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      ICICI bank provides very good services on credit card when compared to all other credit cards. I am using this credit card from last 3 years and there is no annual fee for this credit card. I get offers like 2 free tickets on Book my show, buy 1 get 1 movie tickets on IMAX, Airport lounge access. I have a credit limit of Rs 90000 which is more than enough. I use net banking for making payments.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 15, 2017
    • ICICI Bank Credit Card
      "Below average service"
      0.5 2.0/5 "Expected more"
      The customer support of ICICI bank haven't gave any kind of response in regards to my Ferrari platinum credit card application. I have applied for the credit card with the ICICI bank around a month ago, still I never got any response from the ICICI bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • ICICI Bank Credit Card
      "Comfortable card"
      0.5 5.0/5 "Blown Away!"
      For the past 4 years i am using ICICI bank credit card with a limit of 75000. I used to pay my electricity bills through ICICI bank credit card. They provide reward points for every shopping. Its a good card for all purposes. The application is comfortable.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • ICICI Bank Credit Card
      "Good One"
      0.5 3.5/5 "Pretty good"
      The customer service was good from the ICICI bank side as i got credit card form there , i am using the credit card form back 5 years .The bank gave me credit Limit of 1.5 Lakh and gave me a cash withdraw option is there of 40K .the bank gave me Balance transfer option on the card .its a Coral card i am using on ICICI Bank . The Rate of interest is fine on the card . When i got a upgrade the new card took time to dispatch and deliver .
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2017
    • ICICI Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI Bank 10 years back . They have offered coral International card and the give credit limit was 55,000 which was satisfactory . The customer service and responsiveness was good . I have 24/7 helpline number and OTP device to login .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2017
    • ICICI Bank Credit Card
      "ICICI coral offers movie discounts"
      0.5 3.0/5 "Satisfactory"
      I hold a platinum coral credit card with ICICI bank. The limit with my card is 1.5 lakhs. i get cash backs and reward points with the card. I get buy one get one movie tickets with this card. The interest is relatively high when comparing with HDFC.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with ICICI bank.They have offered a limit of one lakh. I am happy with the limit Phone banking service is good they immediately respond.Net banking is useful to operate for the payment options.I have limited options for redemptions.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Excellent Banking"
      0.5 4.5/5 "Excellent!"
      I am a salaried person with ICICI bank for last 6 months. The services are good and very happy. There is no need to maintain a minimum balance. The net banking is good and very convenient. The application is easy to handle for the customers. ATM facilities are good and sufficient.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      The customer support is good with the ICICI bank credit card department. The credit card service is good from ICICI. I have the ICICI bank Ferrari platinum credit card for more than 4yeras, I am satisfied with the credit limit because of their better service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I am using Coral credit card with ICICI Bank. They are giving cash back offer on fuel filling with Indian oil petroleum from ICICI machine but I don't get any discount if I don't swipe my card on the ICICI machine with other petrol bunks. The credit limit was low which was not satisfactory.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 4.5/5 "Excellent!"
      I am having the ICICI bank credit card from the last one year of time. I would like to say that the services are good one for me and the response is better one. I would like to say that the credit limit value is good one for me with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Ease of transacting speed"
      0.5 5.0/5 "Blown Away!"
      I have taken a ICICI bank credit card.The features are good compared to other cards i hold.The card is working fine and accepted in all outlets.The net banking and phone banking service are good and convenient use.I do get offers for shopping.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card for past one month. They offered me platinum credit card. There is no annual fee for this card. I got a helpline number to contact the customer service. But it takes one or two minute to connect with the representative. The credit limit was good and satisfactory. I make the payment through net banking.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI credit card for last one year. I got a HP CORAL credit card with the credit limit of 50K. The limit was good and enough. The customer service and response was excellent. The charges are minimal when compared to others. They promised as I will be getting 50liters fuel for a year but it was not given.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      It was a good experience with ICICI Bank for the credit card. It was processed on time and I am happy with the credit limit. The Cash back and reward points are not available to me. It is a life time free card and the customer services was good overall as I was contacted on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Good credit card for the daily usage"
      0.5 4.0/5 "Great!"
      I directly approached ICICI and got the credit card with out any difficulties, now a days all credits card are providing cash backs on the e commerce. ICICI interest rate is same as other card, but I have two credit cards, one is life time free and another has some charges its gets waived off after certain transaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using the ICICI bank Platinum chip Visa credit card for past 14years. The customer support is good with the ICICI bank credit card department . I would say I am satisfied with the credit limit with this ICICI bank platinum chip visa credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 4.0/5 "Great!"
      The banking service is good with the ICICI bank credit card department. I have got the ICICI bank platinum chip credit card around 5 months ago. The customer support is excellent with the ICICI bank. I am not satisfied with the credit limit, it would be great if they can increase the credit limit in future.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Best to use"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI platinum credit card for one year. The credit limit was low, they offered 25K later I received a msg for the credit limit enhancement then it was changed to 40K. I used to make my payment through net banking. It is a life time free credit card. Its been used for shopping purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Excellent banking"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card ICICI bank.I am comfortable to use this card .Net banking is user friendly to use.Phone banking service is prompt and call get connected immediately.I make card payment through online.I get the best offers for shopping .
      Was this review helpful? 2
      , new delhi
      Reviewed on Dec 11, 2017
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