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

    ICICI Bank Credit Card 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 credit card 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 homepage, select the credit cards 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.

    FAQs on ICICI Platinum Chip VISA Credit Card

    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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