Mr. Sharma enjoys great discounts on dining with his Credit Card. What about you? Get A Card
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.
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.
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.
Mrs. Sharma enjoys cashback on all her retail purchases. You could too! Get A Card
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:
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.
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.
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.
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.
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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I am using ICICI coral credit card more than 6 months. This is a life time free card and also they given very less credit limit, need to increase the limit. I contacted, they said future it will get increase. I'm getting reward on movie, restaurant. They gave me a credit limit of Rs. 20,000 and no annual fee for this card.
I am holding ICICI credit card for more than 3 years. It is annual fee chargeable of 1500 rupees and also if i spend 2Lin a year no need to pay the charges. The credit limit of 2.10 L and also EMI conversion is avail and charges are nominal. I use for travel purpose for doing all shopping and i get good reward points.
ICICI is very good card to use because they are giving very good offers on online like 10% discounts on Amazon and Flipkart website. I am getting reward points on shopping. I have been started using this card for almost 3 years and this is my first credit card. When i compared to other bank credit card, provided credit limit is very low.
I am using ICICI coral credit card for the past 6 months .This credit card is a life time free card and also i am getting airport lounge access is available. Everything is good so far and i am paying annual charges Rs. 499 and there is no fee wavier.
Bought ICICI bank credit card 1 year before. My account is in ICICI based on that, they have provided me a credit card with the limit of Rs. 90000. They are sending the offer messages through sms and mails. Earlier they have sent my statement through courier after that i have requested them to sent through mail. Customer care service is fine.
I am using ICICI Coral credit card which was applied through bank and i am using this card more than 2 years. This is a life time free card and also they have given good limit. Customer service was not so good which is okay okay. I am getting movie offer since 2 years. I have a home loan in this bank based on that i have got this card offer.
I have ICICI Bank coral credit card which was taken through Bank .I am using this credit card for the past 15 months ,This was a life time free card ,I have got a pre approval loan offer on this credit card but i have not availed that is also better offer .I haven got 50,000 credit limit .There are good reward points as well as cash back offers .There aremovie ticket offers and discounts on shopping and fuel benefits.
I have been using the credit card from ICICI bank for more than 3 years. I do have ICICI Amazon pay credit card hence each and every purchase, I'm getting the rewards points into my Amazon account. I can utilize this points for my utility payment, recharges and buying goods on Amazon website. If they are improve the app, it would be fine because i cannot see the statement and outstanding amount.
I am using ICICI bank credit card for the past 6 months. I applied via online and received the card with in 15 to 20 days. The response from the bank executive is very good. The credit limit from bank is very low around of 40K, which need to be enhanced. It is life time free card.
I was using ICICI bank credit card and I have closed the card because of the higher interest rate, I don't want to use the same. I'm not got any benefit from this card. They gave me a credit limit of Rs. 20,000 and no annual fee is there for this card. I got the NOC letter after the closure.
I have been using the credit card from ICICI bank and its a life time free card and i use this card for almost 4 years. I have not faced on this card. I have no idea about the benefits. I'm getting a messages regarding the offers. Recently i called the customer care service for upgrade my card and they have sent me a coral card.
I am using ICICI amazon card for past 6 months. The reward points conversion rate is very good. I get 1 rupee for 1 reward point. On time of bill generation automatically reward points will be converted into amazon pay. Last month I spend around 3 lakhs and received 3000 in my amazon account. I can also change the billing date twice or trice in a year. I get 1 point on spend of Rs.100. .
ICICI is a good card to use and I am using this card for mainly for life time free. I get 2 rewards points for every Rs. 100 purchase. Unhappy part of the card is there is no option to redeem the reward points over the credit card bill. I am holding this card for almost 7 years. I have not faced any issues on this card.
I am using ICICI Bank credit card which was availed through bank directly.There are cash back benefit and almost using this credit card for the past 2 years .The credit limit was satisfied and have discount of 15% for shopping which is really good and this is a chargeable card .
I have ICICI Bank credit card which was taken through bank directly.I am mostly using this credit card only for the past 6 months .This credit card is a life time free card,airport lounge access is available ,If purchase mobile will get cash back offers .Everything is good on this credit card so far .
I am using Amazon ICICI credit card. If i use this card in amazon portal I get 5% cash back and discounts. I have a credit limit of 1.15L, which is sufficient as I am using this card for past 1 year. EMI conversion are available and it is also a life time free credit card. The rate of interest is 3.5% per month.
I have been using ICICI bank AMAZON credit card for more than 2 months. It is a life time free card. I had applied through mobile app and the process was completed on time. The credit limit of 2.75L. There is an option of EMI conversion is avail. I have purchased the washing machine and SONY TV. I use to pay EMI amount of 5K on monthly basis. Overall their service is good.
I have bought the credit card from ICICI bank because my salary account with this bank and their customer support is good. Its a normal basic card hence I'm getting a cash back on fuel. The credit limit which they have provided is not sufficient for me but anyway its okay. I have not paid any joining fee. The customer care response was pretty good.
I applied for ICICI credit card through online and I am using it for past 1 year. I use this card mostly for shopping. Customer support response is very good and they too offer the grace period for payments. Bank offered with the credit limit of Rs.20K which is sufficient. It is a life time free credit card.
I am using ICICI make my trip platinum credit card, which was applied through online. This is a life time free card and also credit limit is more compare to other bank. I received this card within 15-20 days. Customer service and responsiveness was good.