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
      "Good one"
      0.5 4.0/5 "Great!"
      I want to say, ICICI bank credit card is the best one for me because the payment used to get reflected in their server in a day of time. I am using ICICI bank credit card from the last four to five months of time. Credit limit value enhancement is not yet experienced but now its a kind of okay.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Should understand the customer's needs"
      0.5 2.0/5 "Expected more"
      I am holding salary account with ICICI, hence I am using the credit card. Overall service of ICICI, it is not upto the mark, they taking lot of charges for the credit card transaction. Customer service is bad, especially the IVR system automatically calls gets disconnect while ringing. I never spoke with customer service as of now for any queries.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My friends are using ICICI credit card. And I am getting good feedback about the bank from them. The bank is providing more reward points it seems also they are upgrading the credit limit every year. I do not have any idea about their customer service, but the card is really helpful.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding a Platinum Chip credit card of ICICI bank for the past 3 years. I was offered a limit of 55k which is very much sufficient for me. I don't get any kind of cash back offers on my ICICI Bank credit card. This is just a basic card, I did not get any sort of reward points and other offers. But on the other hand, I also get fuel surcharge waiver based on this card. The rate of interest is very much competitive.
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      , pune
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Not customer centric"
      0.5 1.0/5 "Really Bad"
      When I approached ICICI bank for the credit card, they said that everything is fine. So I submitted all the documents then they confirmed me that I would be received the card in 15 days but there was no response after that. So again I had applied for the credit card but the bank is least bothered to respond back.
      Was this review helpful? 0
      , salem
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I am enjoying reward points, cash back offers, fuel surcharge waiver and offers on the selective restaurants with the ICICI Platinum Chip card. I am very much happy about the credit limit which was offered on my ICICI bank credit card. I am holding this Platinum Chip card for the past 5 months. The rate of interest is very much nominal on this card I am very much happy to use this Chip card.
      Was this review helpful? 0
      , ranchi
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      I use ICICI credit card for the past two years. Till date I never faced any issues with the bank like hidden charges or something. The one I hold is a life time free card. I do received reward points and cash back offers on my card. The overall service is good.
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      , gurgaon
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I do have credit card with the ICICI bank and am with them from the last one year of time. Customer service is an excellent one and the credit limit value is good one and I have not faced any difficulties with the ICICI bank credit card till now.
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      , bangalore
      Reviewed on Jun 21, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I do have ICICI bank credit card and am using it from the last three years of time. Customer service is also very good with the ICICI bank credit card and the responsiveness too. I got the offer as 50% off while buying the clothes and the credit limit value is around 35000 Rupees, which is really okay for me.
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      , hyderabad
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Need improvement on feature part"
      0.5 2.5/5 "Just OK"
      Still now I have not received any offers from ICICI. I have been holding this credit card around two years. They offered me the credit limit of Rs.30,000 only one they have called me for the enhancement of credit card limit. There is no much reward points or offers on it.
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      , bangalore
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Comfortable"
      0.5 4.0/5 "Great!"
      I use ICICI credit card. The card which I hold is a chargeable one. It is very comfortable for the usage. I have no issues with the bank for the credit card services. I am happy with the bank in terms of my credit card. In all the services of ICICI bank is good.
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      , warangal
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The best about the credit card is the transactions has never declined. It is with ICICI Bank. The credit limit is sufficient enough for me. The drawback is, there are no much of offers like how other banks offer. The customer services are good, but it would be better if they are supportive in the offers.
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      , chennai
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Very Disappointed"
      0.5 1.0/5 "Really Bad"
      Once I applied for the credit card with ICICI bank. Actually I am banking with ICICI for so long time. Hence I approached them for the card. But I never received single call or message from the bank for my credit card application. The bank is disappointing a lot.
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      , chennai
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Good for day to day use"
      0.5 5.0/5 "Blown Away!"
      ICICI charges are bit high but worth. I am got ICICI Coral credit card very recently. Earlier I used platinum credit card. They told in Coral card, there is free movie ticket and no charges for billing. No add on charges of petrol filling. Even I am fine with the credit limit its good.
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      , guwahati
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am a existing customer of ICICI Bank and I have got a lot of offers from them. They have also provided a credit card and the offers is good enough and it is accessible all over. The credit limit they have offered me is 96000 now initially they have offered 20 to 25k and its a life time free credit card.
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      , ahmedabad
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use ICICI bank coral card to fill the fuel and for the restaurants bills. The benefits like rewards points and the cash back offers and the fuel surcharge waiver is available with this card, but I am not sure how to redeem those offers. I am happy about the credit limit. The rate of interest is nominal with ICICI bank.
      Was this review helpful? 0
      , udaipur
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Flexible Credit Card"
      0.5 5.0/5 "Blown Away!"
      Based on ICICI credit card, I got the personal loan at a very low interest rate of 12%. In fact that loan amount got credited within 48 hours of time. I approached credit card loan through online I got loan reference no and done the quick process. ICICI credit card is also flexible to use and it is very easy to make the payment too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Very helpful"
      0.5 5.0/5 "Blown Away!"
      I do hold 3 credit cards,amongst all I like ICICI credit card as it is the one which is the best according to me. There are no additional charges till now which I incurred from the last three years of time. Service aspects are the fine one with the ICICI bank credit card and their online services are also working in a very good way.
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      , ahmedabad
      Reviewed on Jun 20, 2017
    • ICICI Bank Credit Card
      "Good offers"
      0.5 4.0/5 "Great!"
      ICICI bank credit card is also working in good way like they used to come up with offers on time to time, also the redeeming reward points is really a easy one. Offers are really good like the surcharge waivers and other things are applicable.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 19, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I use platinum credit card with ICICI bank. It is a life time free credit card. The credit limit is satisfactory and I have no issues on it. They provide cash back offers and reward points on my card. But I had not redeemed those points till date.
      Was this review helpful? 0
      , paradip
      Reviewed on Jun 19, 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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