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
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      ICICI bank has been very good in their services. They are very responsive too. They have normal offers on the credit card I use. They have a good reward point system. The fee is waived as I use the limit as per the criteria the limit they have offered me is 29000 thousand which Iam not satisfied initially i was holding corral credit card that time they have just offered 25000 limit is the only concern i have with icici rest all is outstanding.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Criteria need to be improved "
      0.5 2.0/5 "Expected more"
      When I have applied for ICICI bank platinum Chip Visa credit card, they gave good response but they have rejected my application saying that I am not having the ICICI bank savings account. The ICICI bank Credit card criteria need to be customer centric. I never got any benefit from ICICI bank credit card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Nice Experience"
      0.5 4.0/5 "Great!"
      I got a credit card of ICICI Bank and there are no issues in using my card. There are the regular features on the cash back and discounts deals. I also get reward points and the accumulated points can be converted to the shopping deals and this can be done through online.
      Was this review helpful? 0
      , shimla
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Deal is good"
      0.5 4.0/5 "Great!"
      ICICI bank has also offered me a credit card and the process to receive the same was smooth. It was a on time process and the credit limit is also decent. The customer support services are appreciated. The deals on shopping is much and the transactions are smooth.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Good. Can do better"
      0.5 3.5/5 "Pretty good"
      I hold a credit card of ICICI bank and it is a average experience. They could provide more offers online, especially when a customer wants to use it for shopping , it would be better if they have more deals. There is a nominal charge and the fee is levied annually.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Wonderful"
      0.5 4.0/5 "Great!"
      I am having the credit card with the ICICI bank and their response is good and I have not faced any issues with them till now. Customer service aspects are fair one, also they are immediate one. I am happy with the ICICI bank credit card and the payment modes are really fine.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 4.0/5 "Great!"
      The ICICI credit card has the low credit limit, it would be great if they can increase the credit limit in future. They do it automatically because they do track the usage of spending. I hold the Coral visa card for past 2 years. I use this card for all kind of purchases and for all online transactions as well. I am getting the benefit of rewards points, cash back offers with this coral Visa card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I hold a platinum chip card from ICIC bank I got it very recently. The customer service is good with ICICI bank. The service which is given by ICICI bank is very good. The credit card service is very good from ICICI bank. I would say the ICICI bank gives good response to the customers.
      Was this review helpful? 0
      , lucknow
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      ICICI bank credit card is the one ,which am having from the last four years of time.I would like to say that the response is good one with the ICICI bank credit card.Customer service is good one and its instant too. Online payment services are feasible too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "They should give easy access"
      0.5 3.5/5 "Pretty good"
      ICICI was not upto the mark, If I want to track the credit card details in ICICI, its difficult to get user id and password. But other banks are offering the log in id to check credit card details through online. But ICICI was not good, they should work on it.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having ICICI bank Coral visa credit card for more than 5 years. The customer service is very good with ICICI bank. I use this card for shopping, for petrol usage, and for other purchases. I am not satisfied with the credit limit, still they can increase the limit as per the customers requirement. I pay the Annual fee of Rs.499 every year.
      Was this review helpful? 0
      , hubli
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Very Disappointed"
      0.5 1.0/5 "Really Bad"
      I had ICICI credit card earlier, their interest rate was high on monthly dues and customer service was not helpful, they mostly weren't available. In term of offers also they were not upto the mark. Quality of ICICI card is cheap the plastic type is very bad.
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      , gurgaon
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "More Advantage"
      0.5 4.0/5 "Great!"
      ICICI bank provides the maximum reward points for my credit card. I could not match ICICI bank with other banks on this reward points, because they are liberate. Gaining reward points is a good thing, more than that, the bank has excellent options for redemption. I can convert it as cash or I can make use this on shopping or for recharge.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      Having the ICICI bank platinum Chip Visa credit card for 1 year. I use this card for Online shopping , petrol usage, utility bill payments with this ICICI bank chip card. I pay the annual fee of Rs.1000 every year, The reward points, cash back offers are available with this card. I am satisfied with the credit limit.
      Was this review helpful? 0
      , rohtak
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Its Convenient"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card for more than third years. Offers are really good. They are giving petrol surcharges, other than that they giving rewards points for every spend. I could also redeem the reward points into mobile wallet by Mobiquick application.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I am using a credit card from ICICI bank from last four months of time for this credit card I had applied many time then they have approved it, the worst part of this card is without informing they debit the amount later they inform, when I receieved the card the limit was 20000 ruppes later i can see they have added an insurance in my card for 10000 and now my limit is 10000, what kind of service is this, again later when I cancelled this insurance they have charged 6000 rupees and reverted back 4000 rupees. Very worst bank ever.
      Was this review helpful? 0
      , amritsar
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Great Job"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI bank credit card and I would like to say it is the best one. ICICI bank is providing the instant and prompt response too. Responsiveness is really good one with the ICICI bank credit card and their payment modes are really good, also they used to intimate on the instant basis before the due date itself.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      When I took ICICI credit card they gave me complimentary voucher worth Rs.3000 before eight months and also they gave me sufficient credit limit. I have selected ICICI coral credit card because I have option to get cash back for fuel filling and for Rs.100 spent they gives me two reward points.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      ICICI Bank has been good in the process for a credit card. I have not yet explored on it since I recently got the card. There was a joining fee for the card and the limit the bank has offered me is not that great but I am happy about the fast process in receiving it.
      Was this review helpful? 0
      , shyamnagar
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Coral credit card, every month they provide me four movie tickets free, other than that they also offers me pre approved loan with nominal interest . Initially my credit limit was Rs.26,000 now it is Rs. 1 lakh its sufficient, they upgraded it based on my performance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 19, 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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