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 SERVICE"
      0.5 5.0/5 "Blown Away!"
      ICICI bank has been very good in their services. They are very responsive too. They have normal offers on the credit card I use. They have a good reward point system. The fee is waived as I use the limit as per the criteria the limit they have offered me is 29000 thousand which Iam not satisfied initially i was holding corral credit card that time they have just offered 25000 limit is the only concern i have with icici rest all is outstanding.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Criteria need to be improved "
      0.5 2.0/5 "Expected more"
      When I have applied for ICICI bank platinum Chip Visa credit card, they gave good response but they have rejected my application saying that I am not having the ICICI bank savings account. The ICICI bank Credit card criteria need to be customer centric. I never got any benefit from ICICI bank credit card.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Nice Experience"
      0.5 4.0/5 "Great!"
      I got a credit card of ICICI Bank and there are no issues in using my card. There are the regular features on the cash back and discounts deals. I also get reward points and the accumulated points can be converted to the shopping deals and this can be done through online.
      Was this review helpful? 0
      , shimla
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Deal is good"
      0.5 4.0/5 "Great!"
      ICICI bank has also offered me a credit card and the process to receive the same was smooth. It was a on time process and the credit limit is also decent. The customer support services are appreciated. The deals on shopping is much and the transactions are smooth.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Good. Can do better"
      0.5 3.5/5 "Pretty good"
      I hold a credit card of ICICI bank and it is a average experience. They could provide more offers online, especially when a customer wants to use it for shopping , it would be better if they have more deals. There is a nominal charge and the fee is levied annually.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Wonderful"
      0.5 4.0/5 "Great!"
      I am having the credit card with the ICICI bank and their response is good and I have not faced any issues with them till now. Customer service aspects are fair one, also they are immediate one. I am happy with the ICICI bank credit card and the payment modes are really fine.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 4.0/5 "Great!"
      The ICICI credit card has the low credit limit, it would be great if they can increase the credit limit in future. They do it automatically because they do track the usage of spending. I hold the Coral visa card for past 2 years. I use this card for all kind of purchases and for all online transactions as well. I am getting the benefit of rewards points, cash back offers with this coral Visa card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I hold a platinum chip card from ICIC bank I got it very recently. The customer service is good with ICICI bank. The service which is given by ICICI bank is very good. The credit card service is very good from ICICI bank. I would say the ICICI bank gives good response to the customers.
      Was this review helpful? 0
      , lucknow
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      ICICI bank credit card is the one ,which am having from the last four years of time.I would like to say that the response is good one with the ICICI bank credit card.Customer service is good one and its instant too. Online payment services are feasible too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "They should give easy access"
      0.5 3.5/5 "Pretty good"
      ICICI was not upto the mark, If I want to track the credit card details in ICICI, its difficult to get user id and password. But other banks are offering the log in id to check credit card details through online. But ICICI was not good, they should work on it.
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      , visakhapatnam
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having ICICI bank Coral visa credit card for more than 5 years. The customer service is very good with ICICI bank. I use this card for shopping, for petrol usage, and for other purchases. I am not satisfied with the credit limit, still they can increase the limit as per the customers requirement. I pay the Annual fee of Rs.499 every year.
      Was this review helpful? 0
      , hubli
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Very Disappointed"
      0.5 1.0/5 "Really Bad"
      I had ICICI credit card earlier, their interest rate was high on monthly dues and customer service was not helpful, they mostly weren't available. In term of offers also they were not upto the mark. Quality of ICICI card is cheap the plastic type is very bad.
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      , gurgaon
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "More Advantage"
      0.5 4.0/5 "Great!"
      ICICI bank provides the maximum reward points for my credit card. I could not match ICICI bank with other banks on this reward points, because they are liberate. Gaining reward points is a good thing, more than that, the bank has excellent options for redemption. I can convert it as cash or I can make use this on shopping or for recharge.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      Having the ICICI bank platinum Chip Visa credit card for 1 year. I use this card for Online shopping , petrol usage, utility bill payments with this ICICI bank chip card. I pay the annual fee of Rs.1000 every year, The reward points, cash back offers are available with this card. I am satisfied with the credit limit.
      Was this review helpful? 0
      , rohtak
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Its Convenient"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card for more than third years. Offers are really good. They are giving petrol surcharges, other than that they giving rewards points for every spend. I could also redeem the reward points into mobile wallet by Mobiquick application.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I am using a credit card from ICICI bank from last four months of time for this credit card I had applied many time then they have approved it, the worst part of this card is without informing they debit the amount later they inform, when I receieved the card the limit was 20000 ruppes later i can see they have added an insurance in my card for 10000 and now my limit is 10000, what kind of service is this, again later when I cancelled this insurance they have charged 6000 rupees and reverted back 4000 rupees. Very worst bank ever.
      Was this review helpful? 0
      , amritsar
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Great Job"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI bank credit card and I would like to say it is the best one. ICICI bank is providing the instant and prompt response too. Responsiveness is really good one with the ICICI bank credit card and their payment modes are really good, also they used to intimate on the instant basis before the due date itself.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      When I took ICICI credit card they gave me complimentary voucher worth Rs.3000 before eight months and also they gave me sufficient credit limit. I have selected ICICI coral credit card because I have option to get cash back for fuel filling and for Rs.100 spent they gives me two reward points.
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      , hyderabad
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      ICICI Bank has been good in the process for a credit card. I have not yet explored on it since I recently got the card. There was a joining fee for the card and the limit the bank has offered me is not that great but I am happy about the fast process in receiving it.
      Was this review helpful? 0
      , shyamnagar
      Reviewed on Aug 19, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Coral credit card, every month they provide me four movie tickets free, other than that they also offers me pre approved loan with nominal interest . Initially my credit limit was Rs.26,000 now it is Rs. 1 lakh its sufficient, they upgraded it based on my performance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 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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