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

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    ICICI Bank Platinum Chip Visa Credit 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.

    • 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.

    ICICI Bank Platinum Chip Visa Credit Card Reviews

    • ICICI Bank Credit Card
      "Never understand the value of the customers"
      0.5 1.0/5 "Really Bad"
      I purchased the ICICI credit card 4 months before . I have huge transaction in ICICI salary account , but even though they provided me a credit limit of 25 k only . I am highly disappointed with the ICICI service . Never understand the value of the customers and customers requirements .
      Was this review helpful? 0
      , gulbarga
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this credit card for the last six months where services with them was quite good. The credit limit with the card has been good and it has been a life time free card. I am using this credit card for all purposes like shopping and for most of my purchases.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      The reason to like this ICICI card, they are providing best services compared to other credit card. The offers are very good like reward points and discounts on the shopping, hotel etc. They have cash back of 1% at fuel filling, its a life time free signature credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this credit card for the last couple of years and the services which they had provided so far was pretty good. There is an annual charges of 500 with this card and there is some good offers which comes with this card as well. I am happy with the credit limit with the card as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Best reward card"
      0.5 5.0/5 "Blown Away!"
      I am having ICICI BANK EXPRESSION credit card for the past 1year.This is one of the best reward shopping and travel we can use this card. Credit limit is really good and sufficient. Customer service and responsiveness in Bank is really good.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is doing good in the credit card features. The customer support is fine and they are responsive too. The statements are clear and sent to me on time. The credit limit is also good and there are good deals on the card. It is convenient when I use it and there are no annual charges on the card.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Best Service provider"
      0.5 5.0/5 "Blown Away!"
      I am a bank employee of ICICI, for the online shopping I get more discount in amazon, flipkart etc. I am using this credit card around six years, everything is satisfactory with my bank credit card. The bill part is very keen and clear, they send email statement before the due date.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I am not using the ICICI bank credit card as I am not happy with the services. Apart from not providing the offers, without any intimation they have charged me Rs.700 for not using the credit card. Since I did not make that payment, the interest amount has accumulated and now it is a fee of 1900. I tried contacting the customer care and they did not answer the call.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI credit card for last 3 to 4 years and it was a good card. Its a Coral card and the credit limit is average. The annual charges are applicable and its 500 rupees. I have contacted the customer service and its good. Also there is option for EMI.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "They need to incrsae the credit limit of customer "
      0.5 4.0/5 "Great!"
      The services of ICICI BANK is good, i am holding this card for past 6 month .The service was fine they come up well with lots of offers on e commerce website specially on AMAZON and FLIPKART . The customer service do proper follow up here . I got card on time .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      MY application was taken with ICICI BANK , i am holding this card for more than 5month . Benefits were reward points , cash back and so many, i am happy with the benefits here . The process of getting the card was good and customer service of this bank are very helpful .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      MY application was taken with ICICI BANK , i am using this card for past few year . I use this card for both online as well offline . I use to get proper mail and messages after transaction this is the best part . I use to get reward point as well cash back also .
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI BANK . They offered me a very low limit . It has got Cash back offers . Customer support is also good.I am holding this card for past few months and never had any issues with their services. Thee is no joining fee here with this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had taken this credit card almost ten years back and i had closed it since because of the higher interest rate with them. The services which they had provided has been fine and the credit limit with the card has also been good. The annual charges with this card has been reasonable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I am using this credit card for the last couple of months and the services of them has been pretty good. But the credit limit with the card was only around 18,000 which is very less. They had made a charge of 5000 for the over limit spend which is not that good. I just used the card for some purchases.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK the card has the satisfactory credit limit also the card is life time free card also it is user friendly with no issues with this credit card. They provide with the sufficient offers which is very good than others.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "GOOD CARD TO USE"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK they have offered the credit limit which is sufficient with this credit card. There are good offers with this card also there is a EMI conversion option with this card but not yet used it. The customer service is very good with this bank.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with ICICI Bank. It is a average experience as the credit limit is not enough. Like wise the rate of interest is high. They need to improvise on it when compared to the other banks. The customer support is good and they are responsive.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Best card to Hold"
      0.5 5.0/5 "Blown Away!"
      ICICI gives best experience, the interest rate is very reasonable, if in case they any charge also if I place the request, they immediately waive off, the credit limit is satisfactory. I am using this credit card more than 10 years, they keep enhancing the offers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have applied for ICICI Bank Credit Card directly with ICICI Bank.I have got free card .The credit limit is good and i got the credit limit is upto 30000.There was cashback offers and reward points as well.I will be getting mesage once do any transaction .I am using this credit card for the past 7 months only.I have ICICI Bank Paltinum Master card .The Overall service is good .
      Was this review helpful? 1
      , noida
      Reviewed on Mar 20, 2019
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