Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • ICICI Bank Platinum Chip Visa Credit Card Reviews

    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have never used this ICICI CORAL credit card properly . I hold this ICICI coral card for past 3 years. When I was using this card I got the reward points, cash back offer and the payback card which is attached with this card. For every transaction I will be some loyalty points which is added to the payback card. I am happy about the credit limit. I am satisfied using this card .
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Frankly speaking , I am not happy with the level of service offered on my ICICI Bank credit card. I do not get proper services when I contact the bank. No proper offers nothing. The credit limit they have provided is 40000 rupees and 200 rupees is annual charge and this card is 3 years old.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Most promising feature of ICICI Bank credit card is, I am using ICICI coral credit card it is really good for entertainment, every month I am getting two movie tickets from them. Earlier I had Rubyx credit card there annual charges was more. Hence I migrated to coral visa card its good. I am fine with that too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I do have ICICI bank credit card from the last nine years of time. The services are good one with the ICICI bank credit card. They give some general offers and the credit limit they have offered is about a lakh and the card is also charged for it, If you show some transaction in year it will be waived off.
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      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Convenient to shop with ICICI"
      0.5 4.0/5 "Great!"
      I do have ICICI Coral Master credit card, I got that card before five months. At the time they gave me complimentary offers like two movie tickets and gave the credit of Rs.50,000 its good. ICICI payment gate is good, I am very much happy to hold this ICICI credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Not Satisfactory"
      0.5 2.0/5 "Expected more"
      I am unhappy with the ICICI bank credit card, as I have other card which has a limit of more than a lakh and this bank has offered me a limit of 40K. When my salary is much more than that limit. The customer services are not up to the mark and so are the features on the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 23, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My best credit card is the ICICI bank one because I can merge everything with this credit card . I had been with them for some long time. Customer service is good, while it comes to matter of on time settlement. I have never faced the penalty charges till now , also the offers are up to the mark .
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "You should beleive it"
      0.5 4.0/5 "Great!"
      I want to mention ICICI bank credit card is my first choice because their interest rate is very lesser one for the minimum amount payment. Customer service and all is absolutely good. Online services are also an awesome one like its very clean and clear.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI Bank and the offers on the card is perfect. It is nice to get these deals and I am also informed about it as well. There are emails and messages sent on a regular basis. I also get intimated when ever I use my card. Nice experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Great "
      0.5 4.0/5 "Great!"
      I would say, ICICI credit card is the best one as per my experience till now. Credit limit value is good one and they are increasing the credit limit on yearly basis. Service aspects are really good, also it can be taken care by online itself.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      I availed credit card from ICICI bank. This the only card I use and it is a chargeable card. The annual fee is around 150 rupees. I am not happy with the credit limit offered by the bank. But then I am getting reward points and cash back offers on my card. The customer service is really good.
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      , indore
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of ICICI bank , I am very much happy with the offers and the services. The bank has always been clear in what they communicate and in what they offer. I get regular emails about the on going offers and the credit limit is good as well.
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      , hyderabad
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      Recently I applied for the ICICI platinum credit card. Actually I applied for the card through online source. I got good response from the bank, all the verification process been over. I had received a call from ICICI bank where they informed me that the card will be delivered within 8-10 working days. Their customer service is very nice. They contacted me properly and asked for my convenient time in collecting the documents and for the verification part. The services provided by ICICI Bank is fanstatic.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      I am using ICICI Coral Visa credit card, they have upgrade my credit limit, also it is very much satisfactory for me. There are multiple points are available for many transactions and with some cash back offer. ICICI bills are very transparent, I could make convenient payment through their payment gateway.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Good services"
      0.5 4.0/5 "Great!"
      ICICI bank has offered me a credit card and there are offers on the card. But there is no proper credit limit. Until the limit is good, I can use those offers. The customer services are good overall. The statements are sent to me on time and it is very much clear.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Convenient to Use"
      0.5 3.0/5 "Satisfactory"
      The credit limit offered by ICICI bank is not satisfactory but it will be upgraded in the future I believe. I use credit card for long time. There is no special benefits on my credit card but reward points and cash back offers are there. I am comfortable in using the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2017
    • ICICI Bank Credit Card
      "Good one"
      0.5 4.0/5 "Great!"
      I want to say, ICICI bank credit card is the best one for me because the payment used to get reflected in their server in a day of time. I am using ICICI bank credit card from the last four to five months of time. Credit limit value enhancement is not yet experienced but now its a kind of okay.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Should understand the customer's needs"
      0.5 2.0/5 "Expected more"
      I am holding salary account with ICICI, hence I am using the credit card. Overall service of ICICI, it is not upto the mark, they taking lot of charges for the credit card transaction. Customer service is bad, especially the IVR system automatically calls gets disconnect while ringing. I never spoke with customer service as of now for any queries.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My friends are using ICICI credit card. And I am getting good feedback about the bank from them. The bank is providing more reward points it seems also they are upgrading the credit limit every year. I do not have any idea about their customer service, but the card is really helpful.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding a Platinum Chip credit card of ICICI bank for the past 3 years. I was offered a limit of 55k which is very much sufficient for me. I don't get any kind of cash back offers on my ICICI Bank credit card. This is just a basic card, I did not get any sort of reward points and other offers. But on the other hand, I also get fuel surcharge waiver based on this card. The rate of interest is very much competitive.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 21, 2017
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    ICICI Bank Platinum Chip Visa Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    ICICI Platinum Chip VISA Credit Card Overview:

    ICICI Bank credit cards are aimed at providing customers, an enriching spending experience and payment flexibility. For people who want a rewarding credit card that also ensures safe transactions, chip cards are the best. Every time an EMV chip card is used for a transaction, the card chip generates a unique transaction code that can never be reused giving a new dimension to transaction security.

    ICICI Platinum Chip VISA Credit Card not only provides security and flexibility but also comes with an array of lifestyle and shopping reward benefits.

    ICICI Platinum Chip VISA Credit Card Features & Benefits:

    ICICI Chip credit cards comes with countless benefits that makes spending more rewarding for the cardholders. Here are some of the features that comes with a Platinum Chip Visa Card, making it the best of its kind.

    • PAYBACK Reward Points

      For every Rs.100 spent on retail spends except fuel, cardholders earn 2 PAYBACK points. PAYBACK points can be redeemed against a variety of reward options.

    • Chip and Pin Security

      The embedded microchip in the card provides complete security against fraudulent transactions, counterfeiting and card duplication. Also, ICICI Platinum chip card comes with an additional authentication level involving the PIN number.

    • Fuel Surcharge Waiver

      A 2.5% fuel surcharge waiver is provided for all fuel transactions not exceeding Rs.4000 at HPCL pumps.

    • VISA Benefits

      With the VISA branding, cardholders are eligible for exclusive delights like dining deals from luxury hotels, discounts at lifestyle stores and spas. Also, get to enjoy Global Emergency Assistance Service for reporting a lost card and for emergency card replacement.

    • Culinary Treats

      Through the ICICI Culinary Treat programme, cardholders can save a minimum of 15% on dining at all participating restaurants.

    • Annual Fee Savings

      When Rs. 50,000 or more is spent using the card annually, the annual fee for the subsequent year will be waived off.

    Eligibility and Documentation:

    • Applicants must be at least 23 years old and should be an Indian resident. Apart from that, applicants should also have a good credit score.
    • Applicants will be asked to submit an identity proof, a proof of address and income proof like salary slips, credit statements and income tax return statements.
    • Do enquire with ICICI bank about the income requirements for the Platinum Chip VISA card and also about the additional documents required, if any.

    Fees and Charges:

    The fees and charges for the ICICI Bank platinum chip VISA card is as follows.

    • A joining fee of Rs.199, excluding service tax, is charged as a one-time fee. If purchases exceed Rs.2000 within 60 days of card issuance and set-up, the joining fee is reversed.
    • From the second membership year onwards, an annual fee of Rs.99 is charged. This will be waived off if Rs. 50,000 is billed to the card over the previous year.
    • No extra fees is charged for supplementary cards.
    • The overdue interest on cash advances and extended credit is 3.40% per month which amounts to 40.80% when annualized.
    How to Redeem the ICICI Bank PAYBACK Points?

    The PAYBACK points can be easily redeemed online or by calling the ICICI bank’s 24-hour customer care. You can visit the PAYBACK website to view the complete list of partners and redemption centres. You will be able to redeem your PAYBACK points against partner brands and online shops.

    How to apply for an ICICI Platinum Chip VISA Credit Card?

    On the BankBazaar.com homepage, select the credit card option from the top pane. You have the option to group cards by bank or by category. Select the required credit card from the bank or based on the category. BankBazaar’s easy questionnaire will help you shortlist the credit cards based on your spending and usage pattern. You can also check if you are eligible for an ICICI Platinum Chip VISA Credit Card with BankBazaar’s interactive tool. To apply instantly, just click on the “Apply” button.

    ICICI Platinum Chip VISA Credit Card FAQs:

    1. How do I use the EMV chip card at the transaction terminals?

      You will be required to swipe your card and enter your PIN number to complete transactions at merchant outlets. The PIN is not needed for online transactions using the ICICI Chip credit card.

    2. How long will the application process for ICICI credit card take?

      The processing of an application for ICICI credit cards may take up to 21 working days.

    3. Do I have the auto-debit facility to automatically pay credit card bills?

      Yes. Cardholders can give standing instructions to pay credit card bills through their bank accounts directly.

    4. If I emigrate, will I be able to retain the ICICI Platinum Chip card?

      No. Under RBI guidelines, you have to surrender the card to the issuing bank before travelling abroad as an emigrant.

    5. What will happen if I make spends exceeding my credit limit?

      An over-limit charge of 2.5% of the amount by which the credit limit is exceeded will be charged to the card.

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