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
      "Good card to use"
      0.5 4.0/5 "Great!"
      I hold a platinum chip card from ICIC bank I got it very recently. The customer service is good with ICICI bank. The service which is given by ICICI bank is very good. The credit card service is very good from ICICI bank. I would say the ICICI bank gives good response to the customers.
      Was this review helpful? 0
      , lucknow
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      ICICI bank credit card is the one ,which am having from the last four years of time.I would like to say that the response is good one with the ICICI bank credit card.Customer service is good one and its instant too. Online payment services are feasible too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "They should give easy access"
      0.5 3.5/5 "Pretty good"
      ICICI was not upto the mark, If I want to track the credit card details in ICICI, its difficult to get user id and password. But other banks are offering the log in id to check credit card details through online. But ICICI was not good, they should work on it.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having ICICI bank Coral visa credit card for more than 5 years. The customer service is very good with ICICI bank. I use this card for shopping, for petrol usage, and for other purchases. I am not satisfied with the credit limit, still they can increase the limit as per the customers requirement. I pay the Annual fee of Rs.499 every year.
      Was this review helpful? 0
      , hubli
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Very Disappointed"
      0.5 1.0/5 "Really Bad"
      I had ICICI credit card earlier, their interest rate was high on monthly dues and customer service was not helpful, they mostly weren't available. In term of offers also they were not upto the mark. Quality of ICICI card is cheap the plastic type is very bad.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "More Advantage"
      0.5 4.0/5 "Great!"
      ICICI bank provides the maximum reward points for my credit card. I could not match ICICI bank with other banks on this reward points, because they are liberate. Gaining reward points is a good thing, more than that, the bank has excellent options for redemption. I can convert it as cash or I can make use this on shopping or for recharge.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      Having the ICICI bank platinum Chip Visa credit card for 1 year. I use this card for Online shopping , petrol usage, utility bill payments with this ICICI bank chip card. I pay the annual fee of Rs.1000 every year, The reward points, cash back offers are available with this card. I am satisfied with the credit limit.
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      , rohtak
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Its Convenient"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card for more than third years. Offers are really good. They are giving petrol surcharges, other than that they giving rewards points for every spend. I could also redeem the reward points into mobile wallet by Mobiquick application.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I am using a credit card from ICICI bank from last four months of time for this credit card I had applied many time then they have approved it, the worst part of this card is without informing they debit the amount later they inform, when I receieved the card the limit was 20000 ruppes later i can see they have added an insurance in my card for 10000 and now my limit is 10000, what kind of service is this, again later when I cancelled this insurance they have charged 6000 rupees and reverted back 4000 rupees. Very worst bank ever.
      Was this review helpful? 0
      , amritsar
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Great Job"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI bank credit card and I would like to say it is the best one. ICICI bank is providing the instant and prompt response too. Responsiveness is really good one with the ICICI bank credit card and their payment modes are really good, also they used to intimate on the instant basis before the due date itself.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      When I took ICICI credit card they gave me complimentary voucher worth Rs.3000 before eight months and also they gave me sufficient credit limit. I have selected ICICI coral credit card because I have option to get cash back for fuel filling and for Rs.100 spent they gives me two reward points.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      ICICI Bank has been good in the process for a credit card. I have not yet explored on it since I recently got the card. There was a joining fee for the card and the limit the bank has offered me is not that great but I am happy about the fast process in receiving it.
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      , shyamnagar
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Coral credit card, every month they provide me four movie tickets free, other than that they also offers me pre approved loan with nominal interest . Initially my credit limit was Rs.26,000 now it is Rs. 1 lakh its sufficient, they upgraded it based on my performance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Charges are high"
      0.5 2.0/5 "Expected more"
      Actually I have credit card of ICICI bank. But nowadays I stopped using the card. I had given with some credit limit. But I felt that the interest rate is too high. I used my card for mobiles and some other things but the EMI charges are very high so I stopped using it.
      Was this review helpful? 0
      , dindigul
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Its good to hold"
      0.5 3.0/5 "Satisfactory"
      Everything is fine with ICICI credit card expect the credit limit, first time ICICI gave me Rs.30,000 as a credit limit it was very low, after few days they increased around Rs.45,000 still its low. Other than that everything is good, they gave EMI option of one year and I use my coral credit card to fill the petrol I get surcharges to my account.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Gold to use and hold"
      0.5 4.0/5 "Great!"
      As of now there is no dues on my ICICI coral credit card, every time I am making the full payment.But there is some annual fee applicable of Rs.500 but they give payback, reward points and also I am getting discounts on air tickets. I am very much fine with their service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Fine Service"
      0.5 3.0/5 "Satisfactory"
      This is my life time free credit card. Card is very much comfortable for the usage. Whenever I use the card, I used to receive reward points from the bank. Even it is much easy to redeem all the points. Credit card service is actually good with ICICI bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Fine"
      0.5 4.0/5 "Great!"
      As I am an account holder of ICICI bank, I availed ICICI credit card services. Seriously, I do not have any idea about the charges of my card. Because I do not know whether it is a chargeable one or life time free card, but the features of the card are fine. And till date, I did not face any problems from the bank on my credit card.
      Was this review helpful? 0
      , mundra
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using coral credit card, It was very good for shopping purpose. I could convert the reward points ICICI service is really good, I download my statements online regular soft copy to check. Based on the salary account they have offered me this credit card and the limit they have offered me is 60000 approximately
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      Holding a ICICI bank Coral card for past 2 years. The benefits like movie tickets from Book my show, reward points and the cash back offers are available with this card. I am satisfied with the credit limit and happy with the ICICI bank service. The rate of interest is nominal with ICICI bank credit card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 18, 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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