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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
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I've been using the ICICI salaried cum savings for the past 10 years. The branch staff is very good. The iMobile application is very good and easy to do all the banking transactions. I never experienced any difficulty with their services.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 21, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the ICICI Ferrari Credit card for the past 10 years, It is good I do get many offers and some payback points. I redeemed the points it is easy. I am really happy about their services. I never had any issues with the card or their services.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 21, 2018
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I was having a credit card from Icici bank, I been using the credit card since 6 years before I closed it. It was a lifetime free credit card but only issue with the card was the credit limit which they have never promised to increase and the limit was quite low.
      Was this review helpful? 0
      , chennai
      Reviewed on May 21, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I bought the ICICI GEMSTONE CORAL CONTACTLESS CREDIT CARD online. Th card is Providing BookMyShow offers, the limit is also very good. I make payments online which is convenient for me. As of now I never faced any issues with their service.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 21, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I also have a credit card with the ICICI bank and I've been using it for a while. Their services are really good . I am happy about the limit and never faced any hassle with their services. Overall ICICI is a reliable credit source to finance my daily life needs.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 21, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      I have been holding this card for almost 5 years, the services had been okay with this card. During the time of the special online sales there have been offers for purchasing with this card where i have been using it for mostly. The credit limit which they have been given with this card has been good. It has been a good card for movie ticket offers.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 21, 2018
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with ICICI bank from last 2 years, the credit card services are average when compared to other credit cards. I have a HP card where i get good reward points on petrol. This is a lifetime free credit card and the credit limit is fine with this credit card. Net banking is easy to make bill payments.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 21, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The credit card service is good with the ICICI bank. I got the ICICI bank coral visa credit card around 4months ago. I am using this ICICI bank coral visa credit card for the offers which I get along with this card. The credit limit value is good with this card and I am satisfied using it.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 21, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 2.5/5 "Just OK"
      The customer support service and the response is not customer oriented with the ICICI bank. I hold the ICICI bank coral visa platinum credit card for more than 7months. The credit limit value is Rs,60,000 and I am very much satisfied with it.
      Was this review helpful? 0
      , hosur
      Reviewed on May 21, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      The credit limit which they have been provided has been good. I have not yet started using the card, but the process was easy and quick. But there was a delay during the time of receiving the ATM pin. Other than that the card was on time to reach me.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 21, 2018
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a ICICI bank credit card from last 5-6 years, offers like movie tickets and cash back are good with this credit card. I did not face any transaction issues at the time of using this credit card. I am happy with the credit limit in this card and this is a lifetime free credit card.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 20, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with ICICI bank from last 2 years, the credit card services are pretty good when compared to all other credit cards. I am not aware of the annual fee but the credit limit is sufficient in this card. I get good payback points and it is easy to redeem. I use this credit card for multipurpose.
      Was this review helpful? 0
      , chennai
      Reviewed on May 20, 2018
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      ICICI bank provides best services on credit card when compared to all other credit cards. I pay an annual fee for this credit card and the credit limit is sufficient in this credit card. I am not aware of any offers on this credit card and i use this credit card for multipurpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the ICICI Platinum Credit Card for the past 2 Months, It has very good features. There was a delay in receiving the card, it took almost a month. Billing cycle is very good. I make payment online. Overall I am really happy about the card and its features.
      Was this review helpful? 0
      , pune
      Reviewed on May 20, 2018
    • ICICI Bank Credit Card
      "Looking for good offers"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with ICICI bank from last 1 year, i am happy with the credit limit in this credit card and there is no annual fee charged at the time of getting this credit card. I did not find much benefits on this credit card and i use this card for multipurpose.
      Was this review helpful? 0
      , pune
      Reviewed on May 20, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I hold a credit card with ICICI bank from last 4-5 years, there is no annual fee charged at the time of getting this credit card. I am happy with the credit limit in this credit card. Offers are very good in this credit card and i use this card for multipurpose. Net banking is easy to make bill payments.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 20, 2018
    • ICICI Bank Credit Card
      "Life time Free Card"
      0.5 5.0/5 "Blown Away!"
      I have been using this ICICI Credit Card for past 1 month. It is zero annual fee card. Best thing about this card is Easy EMI conversion and No annual fee Hence it is a Life time free card. I have very good purchase experience in ICICI. Net banking is easy to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 19, 2018
    • ICICI Bank Credit Card
      "EXCELENT"
      0.5 5.0/5 "Blown Away!"
      So far my experience with the ICICI credit card is good and it is easy to use. The customer service is good. I have been getting so many wonderful offers like purchasing in amazon then i will be getting 10% off. Other than that i am getting offers in book my show as buy 1 get 1 offer.
      Was this review helpful? 0
      , chennai
      Reviewed on May 19, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      The services which they have provided with the card has been good. But the credit limit would have been some more. There has been offers in booking movie tickets and there was also airport launch facilities with this card as well. There is an annual fee which will be waved off as per the usage. The customer service has been excellent so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've been using the ICICI platinum credit card for the past 8 Months, this is a Basic card with no features. They need to come up with new offers every once in a while. This just useful like any other cards you can find. Overall I never had any issues with their services.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 18, 2018
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