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

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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
      "Excellent banking"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card ICICI bank.I am comfortable to use this card .Net banking is user friendly to use.Phone banking service is prompt and call get connected immediately.I make card payment through online.I get the best offers for shopping .
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      With ICICI bank I got the ICICI bank platinum chip credit card based on my salaried account. The customer support is good with the ICICI bank credit card department. The interest rate is on average side. I am not using this card much. I am having good credit limit with this card and I am satisfied with it. There is annual fee of Rs,499 I have paid to this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I do have ICICI bank credit card from the last five to six years of time. I would like to say that the online banking services are good one with them. I have not faced any hiccups with the ICICI bank till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      The Air port lounges facility is available with the ICICI bank Rubyx visa credit card, and I use the ICICI bank credit cards from past 10 years and this card got upgraded around 2 year ago. I use this card for fuel , shopping , restaurants and for online purchases . I am not satisfied with the credit limit and I have requested them to increase the credit limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have my credit card with ICICI bank . The credit limit was 92,000 which was satisfied and I hold coral International card. The charges are very high than other banks in the market. The validity of the card is up to 2025 and I have 24/7 helpline number .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Fabulous"
      0.5 5.0/5 "Blown Away!"
      I am having the ICICI bank credit card and the response is fine one for me with them. I would like to say that the customer service is good one with the ICICI bank credit card. I am happy with the ICICI bank credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The offers and benefits are good with icici credit card department ,I used to receive bookmyshow,flip kart and amazon offers and the charges were fine when compared to other credit service providers , it was an awesome experience with ICICI credit card service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I wont use my icici credit card much ,still the service was very good with icici. The customer support was very good with icici and the interest and charges was good with icici but they provide me some online offers but I wont use their offers much it was a average service from icici credit card department.
      Was this review helpful? 1
      , pune
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I already have a salary account with icici the process was very easy with icici. They never ask for any documents also they provide me with good offers and benefits and the customer support was good it was a good experience with icici savings account service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Average service"
      0.5 3.5/5 "Pretty good"
      I feel ICICI credit card department should keep up their words they said they offer me a credit limit of thrice than my salary which comes to 1k but they lack in that but the customer service was good and offers and benefits are good with ICICI it was a average service that I received on my ICICI platinum credit card service.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 4.0/5 "Great!"
      My credit card was taken with ICICI bank 3 years back . They have offered me a Coral International card and Its a pay back points. The credit limit was 90,000 which was satisfactory . The charges are bit high in case of late payment . My overall experience was pretty good.
      Was this review helpful? 4
      , chennai
      Reviewed on Dec 09, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank and I hold coral International card. The credit limit was 75,000 which was satisfactory . The customer service and responses was up to the mark. The rate of interest and charges are average in the market. My overall experience was excellent so Its recommendable.
      Was this review helpful? 0
      , faridabad
      Reviewed on Dec 09, 2017
    • ICICI Bank Credit Card
      "Credit limit enhancement"
      0.5 3.0/5 "Satisfactory"
      I have been using CORAL credit card with ICICI. I am using it for few months. They are providing buy one get one movie ticket option for monthly. The credit limit was 50K which was not satisfactory and comparatively CITI is offering good limit. It is a life time free credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 09, 2017
    • ICICI Bank Credit Card
      "Not bad"
      0.5 2.0/5 "Expected more"
      I have my credit card with ICICI bank 2 months back. The credit limit was 45,000 which was not satisfactory and I hold coral International card . Here the payment option is very convenient for account holder but its discus for non account holders. I am not satisfied with the customer service since I could not reach them whenever I try .
      Was this review helpful? 0
      , perambalur
      Reviewed on Dec 09, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I am having the ICICI bank credit card and am using it from the last two years of time. I would like to say that the offers are really good one with the ICICI bank credit card. Everything is good one with the ICICI bank credit card.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 09, 2017
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was my salary account with icici so the process and service from icici was convenient for me also they provide me good offers and benefits through flipkart ,amazon and more. The customer support was good it was a good experience with icici credit card service.
      Was this review helpful? 2
      , mumbai
      Reviewed on Dec 08, 2017
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      ICICI bank coral credit card service was the best ,I used to get regular intimations regarding my payments ,the response was good also they provide me with good offers, it was a good experience which I received on my ICICI Coral credit card..
      Was this review helpful? 1
      , noida
      Reviewed on Dec 08, 2017
    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      ICICI bank provides very good services on credit cards when compared to all other credit card. I am using this credit card from more than 1.5 years. I have a credit limit of Rs 30000 and cash limit of Rs 6000. I use net banking for making payments and there are no hidden charges on any transactions.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 08, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with ICICI bank from last 2 years, the credit card services are good in ICICI bank comparatively. They did not charge any annual fee at the time of getting this credit card. Offers like reward points and cash back are good in this credit card. I use this credit card for shopping and the credit limit is sufficient.
      Was this review helpful? 1
      , bareilly
      Reviewed on Dec 08, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with ICICI bank from last 2 years, the credit card services are good comparatively. This is a lifetime free credit card and there is no annual fees. I get offers like reward points in this credit card. I am using this credit card for general purpose and the credit limit is less when compared to all other credit cards.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 08, 2017
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