Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • ICICI Bank Platinum Credit Card Reviews

    • ICICI Bank Credit Card
      "Satisfied with the benefits"
      0.5 5.0/5 "Blown Away!"
      The offers on my credit card is the best and the credit limit too. ICICI Bank has also offered me a balance transfer option on the card which is helpful and also a loan and EMI facility. The statements are clear and it is well explained about the transactions.
      Was this review helpful? 0
      , indore
      Reviewed on May 19, 2017
    • ICICI Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I do hold a credit card with the ICICI bank and am having it from the last 2.5 years of time. Customer service is really good one and I made the payment to them via ECS , so there are no reminders, also I did not get any calls from them. ICICI bank credit card is pretty good and its depends up on the income.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 19, 2017
    • ICICI Bank Credit Card
      "Long term companion"
      0.5 4.0/5 "Great!"
      I always prefer using ICICI bank credit card , at one occassion they did not increase the limit at the appropriate time and that was the only time they have let me down. I had been with them from the last ten years of time. Credit limit value is fine for me and it is quite satisfactory too. Also the Rate of interest was not really huge with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Best of benefits"
      0.5 5.0/5 "Blown Away!"
      I also bank with ICICI Bank for a credit card. The offers are too good. I get nice features and the reward points I earn I can redeem it online as well on shopping. The credit limit is good and the card is accepted at any outlet and I can convert the transactions to a EMI as well.
      Was this review helpful? 1
      , mumbai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I would like to recommend my ICICI bank corral visa credit card . I do get much offers on it instead I get reward points. I use this card for the last 2.5 years and as per my usage and the interaction with the bank everything is fine. This card is free for life time. Credit limit they have offered is 75k.
      Was this review helpful? 1
      , new delhi
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am not very happy with the credit card from ICICI Bank. They have given me a credit limit of only 30K and there are no much of offers as well. SBI offers me a better credit limit and and decent offers too. There could be an improvement in the services of ICICI Bank.
      Was this review helpful? 1
      , chennai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I do have credit card with ICICI bank. It is a chargeable card, the annual fee is around 500 rupees. I receive reward points and cash back offers from the bank but as of now I did not redeemed those reward points into cash. The rate of interest is something around 13.99%.
      Was this review helpful? 0
      , chandrapur
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 3.5/5 "Pretty good"
      It has been one and a half year when I received credit card from ICICI bank but they have offered me only 35000 rupees as credit limit. Initially it was platinum credit card now they have upgraded to coral credit card. Its a life time free credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Happy using this card"
      0.5 5.0/5 "Blown Away!"
      Holding ICICI Bank Platinum chip VISA credit card for past 3 years. There are benefits available with the reward points which can be redeemed only as vouchers. The interest rate is nominal with this card. There is no such plenty offers compared with SBI. Overall I feel happy using this card,. And moreover, I am happy with credit limit with this ICICI bank card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      I were using Coral credit card for long days, they gave movie tickets offers like buy one, get one free but whenever I tried it gave me error message stating try again later, its an inconvenient par and I am using two credit card from ICICI, but they wont send separate bills to check about the offers or transaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Need better offer and credit limit"
      0.5 4.0/5 "Great!"
      Four years back, I got ICICI platinum credit card but they yet not increased the offers or credit limit. Whenever I am using my credit card I would be getting reward points, But I am not aware of offers, ICICI wont give transparent about the offers on bill.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Hassle Free"
      0.5 5.0/5 "Blown Away!"
      I got the ICICI personal loan through the credit card without documents. Within 48 hours ICICI have disbursed the amount but interest rate was high they were charged 16% it was fixed rate. I have taken the amount within Rs. 3 lakhs with the tenure of four years and I am fine with ICICI credit card offers and the credit limit is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have used the ICICI bank credit card in very rare time and I was with them for ten years of time. I have not seen much advantages with them and the customer service works in a fine way. Bill payment procedures are nominal one with them and the online services too.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "Nice benefits"
      0.5 4.0/5 "Great!"
      I get a lot of decent offers on my credit card and the bank has always sent intimated me when ever I make a transaction. I bank with ICICI Bank for the same and being an existing customer the credit limit is good. My statements are also on time and clear.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2017
    • ICICI Bank Credit Card
      "No issues faced"
      0.5 5.0/5 "Blown Away!"
      I had earlier used a credit card with ICICI Bank and I closed it as I was doing too much of transactions on it. I used to transact for 1.50 lakh per month. As long as I used the card it was a nice experience and there has been no issues in the bills as well.
      Was this review helpful? 0
      , chennai
      Reviewed on May 17, 2017
    • ICICI Bank Credit Card
      "Overall good"
      0.5 3.0/5 "Satisfactory"
      I do have ICICI bank credit card for more than 2.5 years of time. The main advantage is the lounge access in the airport by using this ICICI bank credit card and the customer service is an excellent one, also their security is far better than their competitors. Always, I have to unlock the payback credit to redeem it like it used to be get closed in two to three months of time automatically.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 17, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The ICICI Coral credit card is used for the purchases like electronic and grocery items. I am happy with the credit limit with ICICI credit card. I got benefits with this card like rewards, cash back offer and fuel surcharge waiver, which I don't use any of it. The rate of interest is bit higher with this card as well late fee charges also applicable.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 17, 2017
    • ICICI Bank Credit Card
      "Quick in process"
      0.5 5.0/5 "Blown Away!"
      After me applying for a credit card with ICICI Bank, I received it on time and it was not a delayed process. I got it as promised and the credit limit the bank has offered me is good enough too. It is a life time free card and I did not have to pay any joining fees too. There is a buy one get one movie ticket free offer. Though I have not explored on the card yet. I am happy with the quick process.
      Was this review helpful? 0
      , pune
      Reviewed on May 16, 2017
    • ICICI Bank Credit Card
      "So far so good"
      0.5 4.0/5 "Great!"
      I also bank for a credit card with ICICI Bank and I am not a person who looks in for offers. When ever I need to use my card I do so and I have not faced any hassles till date. My transactions has always gone through with ease. There are no charges for my card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2017
    • ICICI Bank Credit Card
      "They should stick on their commitment"
      0.5 4.0/5 "Great!"
      When I took credit card they said there was no joining fee but they were charged the amount of 1200 and service tax. I spoke with their customer service, they said we can't do anything on it. I am not happy with their commitment , now I am planning to close it.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2017
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    ICICI Bank Platinum Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    The ICICI Bank Platinum Credit Card has been designed keeping the customers’ best interests in mind, ensuring that they avail maximum benefits from using it. Apart from offering attractive rates of interest, this card has other rewards such as waiver on fuel surcharge, PAYBACK points, etc. which cardholders can enjoy. This card is exclusively available only to the existing customers of the bank.

    Features and Benefits of ICICI Platinum Credit Card:

    • With the ICICI Bank Platinum Credit Card, you will enjoy a 2.5% surcharge waiver when you purchase fuel for a maximum of Rs.4000 at any HPCL petrol pump.
    • For every hundred rupees that you spend on anything except fuel, you will earn 2 PAYBACK points. You can redeem these points to avail exciting products.
    • With this card, you can avail multiple Platinum benefits on travel, dining, hotel, shopping, etc., from Visa.

    Eligibility:

    Existing card members of ICICI bank are eligible to apply for the ICICI Bank Platinum Credit Card.

    Fees and Charges:

    Card Type

    Overdue interest charged on extended credit

    Interest charged on Cash advance

    Monthly Rate

    Annual Rate

    Monthly Rate

    Annual Rate

    ICICI Bank Platinum Credit Card

    3.40 percent

    40.80 percent

    3.40 percent

    40.80 percent

    Some of the other charges of ICICI Platinum Credit Card:

    Type of Charge

    Charges

    Cash Advance (Fees for transaction)

    2.50 percent (Rs.300 minimum)

    Fees for Redemption Handling

    Rs.99 for redemptions based on catalogue and Rs.25 for in- store and online redemptions at Payback partner brands online

    Fees for Dial-a-draft-transaction

    3 percent of the draft value (Rs.300 minimum fee)

    Charges for Over- limit

    2.5 percent on the over- limit sum (Rs.500 minimum)

    Cheque Return

    2 percent of total due amount (Rs.250 minimum)

    Fees for Auto – Debit return

    2 percent of total due amount (Rs.250 minimum)

    Cash Payment Fee at branches

    Rs.100 for each payment transaction

    Fees for Card Replacement

    Rs.100

    Fees for Cheque or Cash pick - up

    Rs.100 per pick up

    Request for Duplicate Statement

    Rs.100

    Request for Chargeslip

    Rs.100 for each chargeslip

    Charges for Late Payment

    Total Amount that is dueLate payment charge
    Below Rs.100No charge
    Between Rs.100 and Rs.500Rs.100
    Between Rs.500 and Rs.10,000Rs.500
    Between Rs.10,000 and Rs.20,000Rs.600
    Above Rs.20,000Rs.700

    ICICI Bank Platinum Card FAQs:

    1. Can I use my ICICI Bank Platinum Credit Card to make online purchases?

      Yes, you can use your ICICI Bank Platinum Credit Card to make online purchases.

    2. What will happen if I exceed my credit limit?

      If you exceed your credit limit, then the bank will decide whether to approve the transaction or not. If the bank approves it, you will have to pay an over – limit fee.

    3. In how much time will I get receive my credit card?

      You will receive your credit card in 21 working days.

    4. When will I be charged an interest?

      The bank will charge an interest only when you fail to pay the total due amount by due date. The interest will be charged till you clear off all your pending amounts. You will also have to pay an interest on all the cash advances, starting from the transaction date until payment.

    5. What does the auto- debit facility mean?

      Through the auto- debit facility, you allow the bank to charge your credit card bills directly to your bank account every month.

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