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
      "Good"
      0.5 4.0/5 "Great!"
      I am using the ICICI bank credit card and the customer service is working in good way. I would like to say that the credit limit value is around 30000 Rupees for me and its really an enough one for me to met my expenses.
      Was this review helpful? 0
      , goa
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having the ICICI bank platinum chip credit card for past 1 year. I use this card for shopping, for purchases and for other usages. I am satisfied with the credit limit. The customer service is good with credit card department. I would say I got good service.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I also hold a credit card with ICICI Bank and the bank is not doing good on the card. The services and response needs improvement and the charges are also high. The bank needs to improve overall when compared to the HDFC Bank, they need to be more customer centric.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      ICICI Bank is doing great on the credit card offers as well. There are no charges for the card and the card has all the basis offers and the transactions on the card is very smooth and easy. The online banking is also good and it helps me make my payments on time.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Holding the ICICI bank platinum chip credit card for more than 7 years. I use this card for shopping , for purchases and for bill payments. The customer support is good with ICICI bank credit card department. I am satisfied with the credit limit. The rate of interest is nominal with ICIC bank platinum chip card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      The credit card of ICICI Bank is not recommendable from my end as I see other bank cards having loads of cash back offers and discounts on online shopping but there is none of these offers on this card. I was initially informed that the card would be free of charge and after six months I was charged 1K. After I called the customer care they reduced 400.
      Was this review helpful? 0
      , nasik
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      I also bank with ICICI Bank for a credit card and they are equally doing good in the offers and the limit is also fine for me. The card has not let me down when ever I have used it and the billing cycle is also normal and very much satisfactory. In all no issues.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank 5 years back. The credit limit was 2 lakhs here. I hold their visa card and Its an International card. I have 24/7 helpline number and OTP device to login also. The benefits are reward points and cash back offers. The customer service and responses was good.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      ICICI bank has offered me a credit card when other banks backed out on me. I did not have to pay any joining fee and it is also a life time free card. They have given me good offers to use on the card and I am also happy with the credit limit I got. The services was also appreciated.
      Was this review helpful? 0
      , nagpur
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good till date"
      0.5 4.5/5 "Excellent!"
      I also hold a credit card with ICICI Bank and the options are good. There are the cash back deals and there are no charges related. I get the rewards as well and the points can be redeemed as well. The statements are also clear and very much on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good usage"
      0.5 4.5/5 "Excellent!"
      I have been using ICICI Bank's Credit Card for quite a while now. Eventhough my usage aren't that much with this card, I felt the offers are pretty impressive. I also feel this Bank to be Customer Centric and responsive towards their Customer.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am having the ICICI bank credit card and am using it from the last ten months of time. Customer service is fine one with the ICICI bank credit card and the response is good one with the ICICI bank credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "average service"
      0.5 2.0/5 "Expected more"
      I have a credit card with ICICI the service is fine but the rate of interest and the fees and charges is very high with ICICI for my credit card service compare to other banks in the market also the customer service is not good they were not responding properly ,I would say the service is average from ICICI for my credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The service from ICICI for my credit card service is good but if there is any delay in the payment they are not accepting the late payments the charges is also little high I feel they are not much supportive ,the service of ICICI is very good still for my credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I have used a credit card from ICICI Bank and as long as I used it, the experience was good. I had regular offers and the limit was also more than satisfactory. Since I no longer wanted the card because I have another bank card as well. I surrendered the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The service from ICICI for my credit card is very good I use to get regular intimation regarding new offers and schemes also with the statements and amount if I have any queries they will fix my issue on time without any delay I would say the service from ICICI for my credit card service is very good .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      I have not much used the service of ICICI credit card service but still the service of ICICI is good customer service of ICICI is very nice and sometime I use to get some offers from ICICI ,I would say the service of ICICI is very good for my credit card service I don't find any issue with the service of ICICI .
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      I am very much comfortable with the service of ICICI for my ICICI coral card I would say the service of ICICI is best I use to get good and regullar offers from ICICI and the staffs of ICICI is also very helpful if I have any queries with the service and the fees and charges are also fine ,so I will say the service of ICICI is very good for my credit card service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Its a Jet privilege coral credit card i am using from last one year of ICICI bank . The customer service is real good from their end . They provided me a limit of 25K and a cash withdraw option of rupees three thousand seven hundred . I receive reward points on using the card and i receive it and convert it into cash .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Looking for better feature"
      0.5 1.0/5 "Really Bad"
      I am not satisfied with very high interest on monthly basic and late payment fee was high. It has lot of inconvenient service than HDFC, they have normal credit limit of Rs. 40 it was also not sufficient for the transaction. Overall I am not okay with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
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