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 Bank credit card which was directly taken through Bank .I am using this credit card for the past 3 years .I have got a very good credit limit and got all the required information about the card process This was a free card .I have not used and checked cash back offers and reward points .
I am having ICICI Amazon credit card where there are cash back offers based on my purchase amount in Amazon website they are giving 3% of cash back from my purchase amount and if I am a prime member then I get flat 5% cash back on amazon pay but for the EMI options there are no cash back and reward points applicable.
I am holding ICICI credit card where the I was given good limit, offers are available, using Bank bazaar service from past 3 years, EMI options are available by calling customer care and they have charging processing fee of 2% and flat interest rate of 13%
I am having Coral on American express card from ICICI bank. I used the credit card for mostly on online website. I need to pay the annual fee on this card but the card features are really good. i am holding this credit card for a while and i'm satisfied with the services.
I get offer on flight tickets booking, movie tickets booking and on petrol 1% sur charges waiver, makemytrip offers. I am holding the ICICI credit card for last 1 month and the provided limit is better than other credit card. Its a life time free credit card and i am not yet received a first month bill and they have dispatched the card as per their promised time.
I have a credit card from ICICI. Every day i receive a call from customer care and they will inform about the offers. I'm receiving a messages also regarding that. When i apply those offer in online, it will show that "its not applicable or else i do not have any offer". More than 2 years, i am utilizing the card benefits.
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Reviewed on Sep 12, 2019
I am using ICICI bank coral credit card for more than 3 years which was applied directly to bank. It is a life time free credit card but the limit which was given for a low of 30 thousands only not yet enhanced. EMI options are nominal for this card. It is useful book my show so I get one free ticket based on the usage I have not get points yet.
I have ICICI Bank credit card which was directly taken through Bank .I am using this credit card for the past 2 years .This is a free card and i have got the credit card on time without any hassle .The credit limit was really good and satisfied according to me .There are good reward points as well as cash back offers .This card is very comfortable to use and easy to access .
I have taken ICICI bank make my trip credit card for more than 8 months which was processed through bank directly. On time I received a card and it was a life time card and the credit limit is sufficient, for this card some charges are applicable and it is nominal. I use this card for travel purposes.
I have coral card its not that much worthy, we won't get any offers from their end but initially they told many things but after received my card it took 2 weeks to activate, the customer care is also not upto the mark finally I went to the bank and the charges are more on the daily basis for credit transactions.
I'm customer of SBI for past 16 years. Since 2006, i am having a credit card from ICICI bank. They have provided me a credit limit of Rs. 40000 and they have called me to increase the same but i have declined. I don't look into the benefits. There was a solution given by bank even though if i face any issues. They handled the issue very professionally.
For the past one year I am using ICICI bank coral credit card which was processed through an online. It was a life time free credit card. They have given for a credit limit for more than one lakh. I use this card mostly for shopping, flight ticket, movie and travel purposes.
I have ICICI Bank credit card which was offered by Bank directly .I am using this credit card for the past 2 years .This was a free card and this was a paperless approval .The credit limit was really good and there are good cash back offers and reward points .I am really satisfied on using this credit card.
I have ICICI Bank credit card which was taken through Bank .I am using this credit card for the past 2 months .This was a chargeable card .Customer service is also good and there are good reward points as well as cash back offers.The credit limit was really good and there was no difficulties faced so far.
1 month ago, i bought the credit card from ICICI bank. There is no reason for choosing ICICI but one of my friend is suggesting me to purchase this card. The benefits are similar like other credit card. There is no joining fee for this card. The documentation process is smooth and the entire is over in 10 days. They have sent a card without any delay.
If I purchase above Rs.5000 in ICICI credit card I couldn't convert into emi they have lots of procedure and I applied for one card but they issued me three cards in my name later on I didn't use the card so I closed it. The customer support and I mobile app need lots of improvement .
I have VISA card from ICICI, the credit limit which offered is excellent I have been using it only last three months. So far I didn't find any reward points or cash back based on the transactions. The payment gateway is easy to make the bills on date, they are providing reminder calls and messages.
I have ICICI Bank master credit card which was applied through Bank. For the past 6 months I am holding this card .It is a life time free credit card. The credit limit was sufficient. Some time for the usage of this card it will be zero cost of EMI. Based on the usage I get only reward points but no cash back so far.
I am holding ICICI bank Platinum credit card on 8 months before which was processed through directly to bank. It is an annual fee chargeable of 1000 rupees and there is an option for a wavier off for a certain amount usage, the credit limit is 40 thousands only which was low. There is an option for an EMI charge are high, I use for fuel and shopping purposes.
I am using ICICI Bank credit card which was applied through Online.I am using this credit card for the past 2.5 years ,The credit limit was really good and it was sufficient as well .This was a free card .There are good reward points as well as cash back offers .I have got the credit card on time and the agent gave all the information about the card process.