Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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, the credit cards 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.
| Card Type | Overdue interest charged on extended credit | |
|---|---|---|
| ICICI Bank Platinum Credit Card | Monthly Rate | Annual Rate |
| 3.40 % | 40.80 % | |
| Type of Charge | Charges | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining fee | NIL | ||||||||||
| Annual fee | NIL | ||||||||||
| 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.450 minimum) | ||||||||||
| Fees for Auto - Debit return | 2 percent of total due amount (Rs.450 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 |
|
Existing card members of ICICI bank are eligible to apply for the ICICI Bank Platinum Credit Card.
Yes, you can use your ICICI Bank Platinum Credit Card to make online purchases.
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.
You will receive your credit card in 21 working days.
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.
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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