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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 service"
      0.5 3.0/5 "Satisfactory"
      My salary account was taken with ICICI Bank 1 year back. The credit limit was 80,000 which is satisfactory . The customer service and responses was up to the mark.I am happy with the mobile application. The fees and charges are nominal.My overall experience was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 18, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with ICICI bank from last 1.5 years, this credit card is a lifetime free credit card and the credit limit is sufficient in this card. I get Rs 1.25 cash back for Rs 100 spent and no surcharges on fuel. I make my bill payments through phone pay and there are no transaction issues.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • ICICI Bank Credit Card
      "good product"
      0.5 4.0/5 "Great!"
      I had taken a credit card from the top most private sector bank ICICI BANK through a online partner. The customer support is good and well responsive. I lost my credit card and i applied in online and they delivered my credit card to my registered communication address.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 18, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      The service was good with the ICICI bank in regards to my credit card application. I have got the ICICI FERRARI PLATINUM CREDIT CARD within 15days of time. The credit limit value is low with this card and it would be good if they can increase the credit limit.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 18, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      Applied for the ICICI BANK Platinum chip credit card and I have got the response on time from the ICICI bank and they have asked me to submit the required documents but I couldn't submit the required documents at that moment so, that was the reason I can't get the credit card from ICICI bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have started using the ICICI bank Platinum chip credit card around 5 months ago. The credit card service is good with the ICICI bank and they give good response to the customers, The credit limit value is good with this ICICI bank Platinum chip credit card and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • ICICI Bank Credit Card
      "Good in deals and service"
      0.5 4.0/5 "Great!"
      The credit card offers and deals are good with ICICI Bank and the customer services are good. The credit limit is also fine and I have no issues while using the card. It is accepted all over and the statements are also clear and sent to me on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 18, 2018
    • ICICI Bank Credit Card
      "Easy EMI"
      0.5 3.5/5 "Pretty good"
      I hold a platinum credit card with ICICI bank and i am fine with my limit. I have received reward points but not yet redeemed the points. I got this card 2 years back but i have started using the card 7 months back. Flexi EMI option is available. There are no annual charges.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 18, 2018
    • ICICI Bank Credit Card
      "Experience is good"
      0.5 4.0/5 "Great!"
      I hold a credit card with ICICI Bank and the deals are good on the card. The credit limit can be enhanced as it is low when compared to the other bank cards I use. The customer services and response is good and there are no hassles overall while using the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • ICICI Bank Credit Card
      "Average card"
      0.5 2.0/5 "Expected more"
      My credit card application was approved with ICICI bank and the experience was not up to the mark, i am happy with the credit limit but the customer service did not respond properly. I am using this card for multipurpose but i did not find any offers in this card so far. An annual fee of Rs 1250 has to be paid for this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 18, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI were my limit is up to my expectations. I have received reward points and cash back with the card after the purchases. The customer service is good. Easy EMI option is available. Recently i have converted to no cost EMI.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 17, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I am using the ICICI bank Platinum chip credit card for the past one year. The customer support service is good with the ICICI bank and they give good service to the customers. The credit limit value is average with this card and it would be good if they can increase the credit limit value with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 17, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I use the ICICI BANK Coral visa credit card for the past 1 month time. The customer support service is good with the ICICI bank and they give good response to the customers. The credit limit value is Rs.25000 and I am not satisfied with it, it would be good if they can increase the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 17, 2018
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      Icici credit card service provides me with the credit limit of 20k which is sufficient for me. The documents process was been smooth. The customer support service is good with Icici credit service. It was totally an Fabulous experience with Icici credit card service.
      Was this review helpful? 0
      , jaipur
      Reviewed on Apr 17, 2018
    • ICICI Bank Credit Card
      "Average credit card"
      0.5 1.0/5 "Really Bad"
      ICICI I have the coral credit card and I have been using the credit card for the past 8 to 9 years the credit limit is not satisfied for me hence I called to the customer care for increasing my credit limit many times hence forth this is not card is not helpful for me as this is a average credit card so I going to close the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2018
    • ICICI Bank Credit Card
      "Very good"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken wit ICICI bank. I hold Ferrari card and the credit limit was 1 lakh. The customer service and responses was really not good. They have delay the process and it took more than a month . I am getting reward points as benefits here so its recommendable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 17, 2018
    • ICICI Bank Credit Card
      "Beginer card to use"
      0.5 4.0/5 "Great!"
      I have used the ICICI BANK PLATINUM CHIP Master credit card around a year ago and i have used it for the past 3 years. The customer support service is good with the ICICI bank and they give good response to the customers. The credit limit value is good with this card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Apr 17, 2018
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a Icici credit card, the card is OK I am not completely satisfied with the card they have offered me. I am not getting good services. There has been a pretty little benefits added to the card, and I just find it an ordinary credit card, I would rate this card as an average.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 17, 2018
    • ICICI Bank Credit Card
      "Need to improve on the offers"
      0.5 3.5/5 "Pretty good"
      There are no offers what so ever with ICICI Bank on the credit card. Be it online or offline I do not get the offers like other banks. The credit limit is also not up to the mark. The customer services and response is good, I have no issues with the services.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 16, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 1.0/5 "Really Bad"
      The ICICI bank has offered me a HPCL coral American express credit card recently. the customer support service is not up to the mark with the ICICI bank , I can't reach them on time. The response part has to focused by the ICICI bank credit card department.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 16, 2018
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