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  • ICICI Bank Platinum Credit Card

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  • 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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    ICICI Bank Platinum Credit Card Reviews

    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI bank credit card which was offered through Bank .I am using this credit card for the past 6 months and the credit limit was really good and it was sufficient as well .This was a free card and there are good reward points as well as cash back offers .I have got the credit card on time without any delay .
      Was this review helpful? 1
      , warangal
      Reviewed on Sep 21, 2019
    • ICICI Bank
      ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI Bank credit card which i am using for more than 2 years .I have taken this credit card through bank directly.This was a free card and got the details about the card process through the agent.I have got very good credit limit and this card is good to use .I am very much comfortable with the service so far .
      Was this review helpful? 1
      , surat
      Reviewed on Sep 21, 2019
    • ICICI Bank Credit Card
      "Good card but limit has to be enhanced"
      0.5 4.5/5 "Excellent!"
      Since three years I am holding ICICI credit card, they are providing complimentary services like airport lounge, pay back points and cash back for the transaction. Apart from these benefits I have fuel surcharges from selected petrol bunks. But I am fine with limit they need to increase.
      Was this review helpful? 0
      , madurai
      Reviewed on Sep 20, 2019
    • ICICI Bank Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I have been using ICICI Coral credit card and sometimes, I have been receiving offers like buy one plus one for bookmyshow.com. They are charging 22% interest rate for EMI conversion and basically it depends upon the duration. I think, it has annual fee but it will be reimbursed if I use some amount.
      Was this review helpful? 0
      , jaipur
      Reviewed on Sep 20, 2019
    • ICICI Bank Credit Card
      "Very Good Card"
      0.5 5.0/5 "Blown Away!"
      I have a credit card from ICICI. They are providing a offers for taking a personal loan with the lower interest rate compared to other banks. I have salary account with ICICI hence its easy to make the payment. They are providing a very good offers also. I am using this card for almost 6 years.
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 19, 2019
    • ICICI Bank Credit Card
      "Good one"
      0.5 5.0/5 "Blown Away!"
      ICICI Card, i don't do much transaction so far i did only one transaction. From ICICI, their service is good and they are sending the offer messages on a regular basis. I have got a good credit limit of Rs. 65000 and they have charged me a annual fee of Rs. 500+ GST. Got this card 6 months back.
      Was this review helpful? 0
      , belgaum
      Reviewed on Sep 19, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which i have got directly through Bank .I am using this credit card for the past 2 months ,The credit limit was very less it was upto 25,000.This was a chargeable card and the agent gave all the relevant details about the card process.I have got the credit card on time as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 19, 2019
    • ICICI Bank Credit Card
      "EMI interest should be reduced"
      0.5 4.0/5 "Great!"
      I have ICICI visa platinum coral credit card, its good for the reward points and cash back based on this transactions. I am holding this card for last one year, on 2015 I purchased I phone around Rs.18,000 then I converted the emi for one year, monthly emi was Rs.1500 at the time. I felt monthly interest was higher it should be reduced.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2019
    • ICICI Bank Credit Card
      "Doing good"
      0.5 4.0/5 "Great!"
      I am using ICICI CORAL credit card and it has buy1 get1 movie ticket offer but I never availed that. They have given a credit limit which was decent. Its been 6 to 7months and they are not charging annual fee. My wife was telling me that they are offering for movie tickets and points for flight booking hence have gone for it.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 18, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI CORAL credit card and got a good credit limit from the bank. There is no offers. They are not charging annually which am happy. I use this card for multi purpose. The payment mode is easier to pay the outstanding balance.
      Was this review helpful? 3
      , visakhapatnam
      Reviewed on Sep 17, 2019
    • ICICI Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      I use ICICI Coral credit card for past 2 years and the annual fee is chargeable of Rs.500 but it will be reversible as per my purchase. I never tried for EMI conversion so no idea about the charges. The credit limit is very low and they have given me only 40K.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 17, 2019
    • ICICI Bank Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I am having an ICICI credit card and they have provided me a credit limit of 50K. I did not find any difficulty in using the card. The customer service was very good. I never done EMI conversion but it has an option for it. Its been more than 5 years. There is no restrictions, I can use this card for shopping, purchasing textiles, restaurants,fuel also.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 17, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I hold ICICI credit card and its been a good experience. The credit limit is pretty decent and the services are very good. I have just recently taken through online. The annual fee is not applicable. I have not received any notification regarding the offers. The process was pretty quicker for getting the card when compared with others.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 16, 2019
    • ICICI Bank Credit Card
      "Fantastic premium travel card"
      0.5 5.0/5 "Blown Away!"
      ICICI is a good card to use and it has a lots features like unlimited spa at airport and unlimited airport launch access in domestic and international. On my birthday, they have given the voucher of Rs. 7500 for having my birthday party at Trident hotel and unlimited wifi access in the airport. I got the limit of more than Rs. 8 lakhs.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 16, 2019
    • ICICI Bank Credit Card
      "Okay"
      0.5 4.0/5 "Great!"
      The credit limit is average on ICICI Bank credit card. Its been almost 5years and have never approached the credit limit enhancement also they haven't done it. The customer service is good. The annual fee is applicable and I have to pay Rs.500. Its just a basic card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 16, 2019
    • ICICI Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI BANK credit card recently and its good. The credit limit is very very less only and it would be appreciable if they can increase my limit so that I can use this card frequently. The annual fee is not applicable. There is no hidden charges and the payment mode is easier.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 16, 2019
    • ICICI Bank Credit Card
      "Need to provide more offers "
      0.5 3.0/5 "Satisfactory"
      I am using ICICI platinum credit card for more than a year which was processed through a bank directly. It is a life time free credit card. The credit limit is sufficient before, easy to do pay for an online usage and EMI option was applicable. I use for shopping, movie purposes. In this card there is no much offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 15, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI bank coral credit card for more than 2 years where they given for a low limit of 35 thousands till not enhanced for further. It is a life time free credit card. EMI option was applicable and charges are nominal. I use for fuel and shopping purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 14, 2019
    • ICICI Bank Credit Card
      "Very Friendly card"
      0.5 4.0/5 "Great!"
      ICICI bank credit card is linked with my salary account hence they have provided me a zero annual fee credit card. I am getting the benefits of ticket booking, cashbacks and others. They have a rewards points system of paybcks which i can convert into cash.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 14, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank customer service is available on 24/7 days, I am using this ICICI bank credit card from past three years, EMI option are available its an life time free credit card, credit limit is good, cash back offer and movie ticket offers are good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 13, 2019
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