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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 experience"
      0.5 5.0/5 "Blown Away!"
      I also bank with ICICI bank for a credit card. They are providing good services and the response is also good. The billing is also on time and there are no charges taken for the card. There are offers and the credit limit is to my satisfaction. In all no issues.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Need Improvement"
      0.5 2.0/5 "Expected more"
      The ICICI bank credit card service not up to the mark. They charges too much of additional charges and the late fee is very high with the ICICI BANK PLATINUM CHIP CREDIT CARD. The credit limit value is average with this ICICI BANK PLATINUM CHIP CREDIT CARD.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Good card with ICICI"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI with a limit of 60000 and i am happy with my limit. I have done some purchases using the card. I have not checked for the reward points and cash back with the card. There is an annual charge of 500 is there with then card. With book my show app there is some offer for ICICI card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Not satisfied with the limit"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with ICICI bank and the limit i got with ICICI is 30000. I am not satisfied with the limit. There is no annual charge with the card. I have not yet contacted the customer service with the card. The application which i am comfortable with is the i mobile of ICICI bank.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The ICICI bank has offered me a Insta credit card LOAN and I have got the loan amount of Rs,80,000 in a single day. The customer support service is good with the ICICI bank . The rate of interest and the charges are average with the ICICI bnak Insta credit card LOAN.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      Its been for the past 1 year , I use the ICICI BANK PLATINUM CHIP CREDIT CARD, but still they haven't increased my credit limit value, they have offered me the credit card with the limit of Rs,40,000 and they have increased up to Rs ,48,000, they need to increase the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Holding the ICICI bank PLATINUM CHIP CARD for more than 5 years. This card is used for bill payments, restaurants bills , online shopping and for other usages. I am satisfied with the credit limit value with the ICICI bank PLATINUM CHIP CREDIT CARD.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      The credit card with ICICI Bank is charged a fee of 1K annually. Though the fee is a bit high, I get vouchers. So I am okay with it. The credit limit is of 60k. The customer services and response is good and they are reachable to sort out a query. Overall no issues.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      I have been using this Credit Card for a while now and it has quite a lot of advantages in it. The limit offered by them in the card is an average one. Their rate of interest is quite low compared to my other card. They have offered Insta Loan on the basis of this Credit card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Feb 17, 2018
    • ICICI Bank Credit Card
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and there are good offers on the card. There is a good limit of one lakh and the customer services are good and the response is also on time. They contacted me on time and informed me the details. There are cash back and rewards well. Overall no issues with the bank for the overall experience.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 17, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 3.5/5 "Pretty good"
      I use the ICICI bank Platinum chip credit card when there is promotional offers like cash back , amazon festive and etc. Basically I use this card for shopping, online purchases and for other usages. I use it for the additional back up purpose.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 16, 2018
    • ICICI Bank Credit Card
      "Convenient card"
      0.5 4.0/5 "Great!"
      I have a credit card with ICICI Bank. I use Coral card for the last few months. The credit limit was minimal but I don't have any issues. They have disbursed the card on committed time. There is no annual fee for the first year and the charges applicable from the second year.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 16, 2018
    • ICICI Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      The mobile application of the ICICI bank is very good to use and it is very helpful to do the bill payments on time,. I use the ICICI BANK PLATINUM CHIP CREDIT CARD for more than 3 years. The customer support service is very good with the ICICI BANK credit card department.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 16, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I got the Ferrari Credit card from the ICICI bank. The customer support service and the response is good with the ICICI bank. The credit limit value is good with this card and I am satisfied with it. The rate of interest and the charges are average with the ICICI bank cards.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 16, 2018
    • ICICI Bank Credit Card
      "Convenient card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI bank and my current limit is 5 lakhs. I am satisfied with my limit. I have received reward points and cash back with the card. Its a convenient card to use. The customer service and response with the card is really good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 16, 2018
    • ICICI Bank Credit Card
      "Good Crdit Card to Hold"
      0.5 5.0/5 "Blown Away!"
      ICICI is better than HSBC, I am using coral credit card, they have good offers. Time to time they redeem the new offers on the card. ICICI charges are high for the transaction and also they have annual fee around Rs. 500. Remaining all good in ICICI.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 15, 2018
    • ICICI Bank Credit Card
      "Best"
      0.5 5.0/5 "Blown Away!"
      Using ICICI bank credit card for the past seven years. ICICI bank credit card is very good to use. I am okay with the limit which they given to me. The benefits are very good with the ICICI Bank credit card. The customer service and response is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 15, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      I have a platinum credit card with Icici,the service is good with Icici. The customer support is good and they offer me with credit limit of 30k which is comfortable for me. They also provide me with online offers of 10 to 15 % of converting. It is totally a excellent experience with Icici credit card department.
      Was this review helpful? 0
      , noida
      Reviewed on Feb 15, 2018
    • ICICI Bank Credit Card
      "Looking for Better Features"
      0.5 2.0/5 "Expected more"
      ICICI wont give good limit, I took it before 2.5 years. But still I didn't much better credit limit. But ICICI payment gate is convenient, once I make they payment it reflects on same day. ICICI gives grace period of 45 days. I am okay with the due date as well, only concern about service and offers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 15, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      More than 2 years I use the ICICI bank Platinum chip credit card. I use this card for online purchases, bill payments, restaurants bills and for other usages. I am satisfied with the credit limit value, they have increased the credit limit value with this card and happy with it.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 15, 2018
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