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  • 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
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I was using ICICI bank credit card for 3 years and i closed the card, again i started using this credit card from last 1 month. Initially it was a coral credit card and now i am using platinum credit card. There was no annual fee charged and payback points are good in this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am using ICICI bank credit card from last 10 years, it is a Rubyx credit card where the offers are very good and useful. They did not charge any annual fee at the time of getting this credit card and the credit limit is sufficient in ICICI bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Am using the ICICI credit card for last 1 month. They have given me a credit me a very good limit. I have received my card on time. They sending a offer notification on a regular basis. I have spoke with their customer care to change the pin number and the response was good. I have installed the mobile app and i have changed my pin number.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using ICICI bank credit card, they have charged me annual fee up to 500 rupees in this card, but there is waived off option available like if annual fee will cut off if i spend certain amount , and i am happy with my credit limit in this card, they provide good offers in shopping and fuels.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I took my credit card with ICICI bank for long time,they have charged me annual fee in this card,and i have no idea about waived off option it available in this card for not, and i am happy with my credit limit they have given me in this card, they provide good offers and discount in shopping and fuels products.
      Was this review helpful? 0
      , guntakal
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI bank credit card, the best thing in this card is that they provide good offers and and there service is too good, they have not charged me annual fee in this card, it is life time free credit card, and i am happy with my credit limit they have given me in this card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using ICICI bank credit card for a while, and they have not charged any annual fee in this card , it is life time free card and i am okay with my credit limit which they have given me in this card and like they charge annual fee but most of time it use to get waived off so i considered as no annual fee they charge and they provide good offers and discount in this card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      ICICI bank is providing not that much good service for the credit card . I have been using for last few years . There are no annual charges for the card as its life time free card . Am satisfied with the credit limit which they have offered . Customer service and response is satisfactory and not up to the mark .
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Best card"
      0.5 4.5/5 "Excellent!"
      I carry a ICICI credit card and i am using since the past one year. I never had any complaints with ICICI as till date the services are up to the mark. The limit given to me on card is good compare to my other Credit card. There are certain annual charges here but it gets waived off later.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is good overall in the credit card services. The customer support and response is fine. There are no hassles while I use the card. The credit limit is fine and the card can be used all over. The statements are sent to me on time. Overall good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      There is a annual fee of Rs. 299 and it will get waived off. There is a offer on movie ticket booking, fuel sur charges waiver on petrol bunk. There is a 15% off on restaurants. I am using the ICICI credit card for last 1 year and i have got the credit limit of RS. 30000.
      Was this review helpful? 0
      , jodhpur
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Need to experience the card a lot"
      0.5 3.0/5 "Satisfactory"
      There is no proper communication from ICICI people. This month i have received the MANCHESTAR FOOTBALL credit card. I have got the credit limit of Rs. 25000. There is a offers on restaurants and booking movie tickets. If i purchase a fuel of Rs. 750, i will get a cashback of Rs. 6. They have dispatched the card on a promised time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI bank credit card from past 2 years, this is my first card, and they have charged me annual fee in this card, but there is waived off option available in this card like if i spend certain amount then my annual fee will get waived off and i am happy with my credit limit they have given me in this card and they provide good offers.
      Was this review helpful? 0
      , indore
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using ICICI bank credit card from long time, they have not charged annual fee in this card it is life time card, they have given me good credit limit in this card and i am happy with my limit and there offers are good they have given me offers in maximum products, overall service is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI bank credit card from past 5-6 years,this is my first card, and they have not charged any annual fee in this card, it is life time free credit card and the best part is that i can convert emi option and there offers are good, they have given me very good credit limit, i need to reduce it .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card with the ICICI BANK where the service is very good and satisfactory with this where the customer service is responsive and very much good. There is a EMI option added on that the offers are sufficient also reward points were offered on this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "User friendly card"
      0.5 5.0/5 "Blown Away!"
      Since my banking experience with ICICI hence the services has been good. They have provided me a credit limit of Rs. 85000 and if i spent certain amount my annual fee will get waived off. They are giving good offers on movie tickets. If i spend nicely this month, they will provide the best offers next month. The repayment option is good and To make the payment using the app is user friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I had been using this card for a while and i am not that much satisfied with the services of them. But they had been reducing some charges without any intimations and the charges has also been high. The credit limit with the card has been good and i had been using this card for all purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this card for the last one year and i am quite happy with the services which they had been providing so far. The credit limit with the card has been good and there has been some good benefits which comes with this card as well. There has not been any annual charges with this card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I have started using the ICICI credit card for 1.5 months. They have given me a credit limit of Rs. 25000 and i cannot able to check the credit limit details in the app. There is no annual fee. I never interacted with their customer care. I have not checked any kind of offers in ICICI card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Dec 11, 2018
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