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  • ICICI Bank Platinum Identity Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    ICICI Bank Platinum Identity Credit Card

    A simple credit card to cater to your personal needs and reward you with hand-picked rewards. The ICICI Bank Platinum Credit Card is designed to make spending money more rewarding. Enjoy attractive rates of interest on your outstanding balances and pay back the amount due after long interest-free periods at your convenience. Earn rewards every step of the way and even get accelerated rewards on selected spends. Call upon the 24/7 concierge service to help you with travel, dining, automobile, medical and gifting requirements.

    Benefits:

    Hand-picked Rewards:

    For every Rs. 200 you spend on your credit card in India, you will earn 2 hand-picked rewards. When you use your card internationally, you will earn 4 reward points for every Rs. 200 spent. You also get a chance to accelerate your reward earnings to 8 points for every Rs. 200 on selected spends. Redeem your rewards from a host of gifts, deals and discounts including lifestyle and travel privileges.

    i-Assist:

    Your very own personal concierge to take care of all your needs including travel bookings, hotel and restaurant reservations, emergency auto assist, medical services and even flower or gift delivery.

    Surcharge waivers:

    Fill up your tank at any petrol station and get the fuel surcharge waived.

    Annual fee waiver:

    When you take on the ICICI Bank Platinum Identity Card, you will be charged Rs. 2000 as a joining fee, but you will not incur any annual fee for the first year. From the second year onwards, a fee of Rs. 750 will be charged annually.

    Features:

    Interest-free credit period:

    Pay for your purchases 18-48 days later when you use your ICICI Bank Platinum Identity Card. The interest-free period will differ based on a number of factors and the time at which you make the purchase. Enjoy the interest free periods as long as you clear your credit card bills in full.

    Attractive interest rates:

    Interest rates on the Platinum Identity card is 3.40% per month. It can be as low as 1.25% per month depending on your relationship with the bank, your purchase and credit history, and loyalty. Upon defaults, the highest rate of interest you can incur is 3.50% per month.

    Internet Banking:

    Use the internet banking facility of ICICI Bank to manage your credit card account. Easily make payments, view statements, dispute transactions, send queries and more, anytime and anywhere at your convenience.

    Mobile Banking:

    Download the ICICI Bank mobile app to carry your bank account with you. Manage your credit card account through your phone at your convenience. Carry out a number of transactions through your phone. You can also use the SMS banking facility.

    Important Fees and Charges:

    ChargeAmount
    Joining Fee2000
    Annual Fee750
    Supplementary CardNil
    Interest on extended credit or overdue interest3.40 % per month or 40.80% per annum.
    Interest on cash advance3.40 % per month or 40.80% per annum.
    Cash advance transaction charge2.5% of transaction amount, subject to a minimum of Rs. 300.

    Related Fees and Charges:

    ChargeAmount
    Reward redemptionRs. 99 + service tax is levied for handling and courier on hand-picked reward redemption requests.
    Card replacementRs.100
    Chargeslip requestRs.100
    Overlimit2.5% of the overlimit amount, or a minimum of Rs. 500.
    Dial a loan transaction fee3% of the amount subject to a minimum of Rs. 300.
    Card replacement1% of the cheque amount, subject to a minimum Rs. 100,
    Chargeslip requestRs.100
    Overlimit2% of the total amount payable, subject to a minimum of Rs. 250.
    Dial a loan transaction fee2% of the total amount payable, subject to a minimum Rs. 250.
    Cash payment at bank branch1% of the cheque amount, subject to a minimum Rs. 100,
    Surcharge on railway booking1.80% of the transaction amount for bookings made online. 2.5% for any other booking.
    Fuel surcharge2.5% of the transaction amount or Rs. 10, in case fuel surcharge waiver is not applicable.
    Service taxService tax is charged at 12.36%. Applicable on interest, fees, surcharge and other fees.

    Late Payment Charges:

    Total Amount DueCharges
    Up to Rs. 99Nil
    Rs. 100 - Rs. 500Rs.100
    Rs. 500 - Rs. 10000Rs.500
    Rs. 10000 - Rs. 20000Rs.600
    Above Rs. 20000Rs.700

    ICICI Platinum Credit Card FAQs:

    1. After applying for the ICICI Bank Platinum Identity Card, how long will it take to receive the card?

      After submitting the application along with all required documentation, ICICI Bank will take up to 21 working days to process the application.

    2. How do I make payments towards my credit card?

      There are a number of options to pay your credit card bill.

      • Cheque or Draft - Visit any ICICI ATM or bank branch and drop a cheque made in favour of your credit card number.
      • Cash - Pay your credit card bill in cash at any ICICI Bank Branch. A fee of Rs. 100 is charged for this service.
      • Auto-debit facility - ICICI account holders can use the auto-debit facility which automatically debits your bank account at you request or standing instructions.
      • Customer care - You can make payments through the customer care helpline. Call customer service and give them the necessary details of your credit card and they will guide you through the payment.
      • Click to Pay - Cardholders who do not have an ICICI bank account can pay online from another bank using the “Click to Pay” option.

    3. What are the consequences of missed payments?

      If you miss a credit card payment, you will be notified by ICICI Bank to make the payment. Your overdue account will attract a penalty fee. Your credit card may also be subject to a higher interest rate. Furthermore, upon continuously defaulting on your credit card payment, ICICI Bank will report you to CIBIL. This will hamper your future credit opportunities.

    4. What do I do if I lost my ICICI Bank Platinum Identity credit card?

      If you lose or misplace your credit card, report it immediately to customer care. The credit card will be blocked and a new one will be issued. The new credit card will be sent to you within 7 working days.

    5. What do I do if my credit card is declined?

      If you ICICI Bank Platinum Identity Credit Card is declined, please contact the ICICI Bank customer care. They will be able to tell you what the situation is and why your credit card was declined, and help you resolve the problem.

    ICICI Bank Platinum Identity Credit Card Reviews

    • ICICI Bank Credit Card
      "ICICI coral offers movie discounts"
      0.5 3.0/5 "Satisfactory"
      I hold a platinum coral credit card with ICICI bank. The limit with my card is 1.5 lakhs. i get cash backs and reward points with the card. I get buy one get one movie tickets with this card. The interest is relatively high when comparing with HDFC.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with ICICI bank.They have offered a limit of one lakh. I am happy with the limit Phone banking service is good they immediately respond.Net banking is useful to operate for the payment options.I have limited options for redemptions.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Excellent Banking"
      0.5 4.5/5 "Excellent!"
      I am a salaried person with ICICI bank for last 6 months. The services are good and very happy. There is no need to maintain a minimum balance. The net banking is good and very convenient. The application is easy to handle for the customers. ATM facilities are good and sufficient.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      The customer support is good with the ICICI bank credit card department. The credit card service is good from ICICI. I have the ICICI bank Ferrari platinum credit card for more than 4yeras, I am satisfied with the credit limit because of their better service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I am using Coral credit card with ICICI Bank. They are giving cash back offer on fuel filling with Indian oil petroleum from ICICI machine but I don't get any discount if I don't swipe my card on the ICICI machine with other petrol bunks. The credit limit was low which was not satisfactory.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 4.5/5 "Excellent!"
      I am having the ICICI bank credit card from the last one year of time. I would like to say that the services are good one for me and the response is better one. I would like to say that the credit limit value is good one for me with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Ease of transacting speed"
      0.5 5.0/5 "Blown Away!"
      I have taken a ICICI bank credit card.The features are good compared to other cards i hold.The card is working fine and accepted in all outlets.The net banking and phone banking service are good and convenient use.I do get offers for shopping.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card for past one month. They offered me platinum credit card. There is no annual fee for this card. I got a helpline number to contact the customer service. But it takes one or two minute to connect with the representative. The credit limit was good and satisfactory. I make the payment through net banking.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI credit card for last one year. I got a HP CORAL credit card with the credit limit of 50K. The limit was good and enough. The customer service and response was excellent. The charges are minimal when compared to others. They promised as I will be getting 50liters fuel for a year but it was not given.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      It was a good experience with ICICI Bank for the credit card. It was processed on time and I am happy with the credit limit. The Cash back and reward points are not available to me. It is a life time free card and the customer services was good overall as I was contacted on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Good credit card for the daily usage"
      0.5 4.0/5 "Great!"
      I directly approached ICICI and got the credit card with out any difficulties, now a days all credits card are providing cash backs on the e commerce. ICICI interest rate is same as other card, but I have two credit cards, one is life time free and another has some charges its gets waived off after certain transaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using the ICICI bank Platinum chip Visa credit card for past 14years. The customer support is good with the ICICI bank credit card department . I would say I am satisfied with the credit limit with this ICICI bank platinum chip visa credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 4.0/5 "Great!"
      The banking service is good with the ICICI bank credit card department. I have got the ICICI bank platinum chip credit card around 5 months ago. The customer support is excellent with the ICICI bank. I am not satisfied with the credit limit, it would be great if they can increase the credit limit in future.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Best to use"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI platinum credit card for one year. The credit limit was low, they offered 25K later I received a msg for the credit limit enhancement then it was changed to 40K. I used to make my payment through net banking. It is a life time free credit card. Its been used for shopping purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • ICICI Bank Credit Card
      "Excellent banking"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card ICICI bank.I am comfortable to use this card .Net banking is user friendly to use.Phone banking service is prompt and call get connected immediately.I make card payment through online.I get the best offers for shopping .
      Was this review helpful? 2
      , new delhi
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      With ICICI bank I got the ICICI bank platinum chip credit card based on my salaried account. The customer support is good with the ICICI bank credit card department. The interest rate is on average side. I am not using this card much. I am having good credit limit with this card and I am satisfied with it. There is annual fee of Rs,499 I have paid to this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I do have ICICI bank credit card from the last five to six years of time. I would like to say that the online banking services are good one with them. I have not faced any hiccups with the ICICI bank till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      The Air port lounges facility is available with the ICICI bank Rubyx visa credit card, and I use the ICICI bank credit cards from past 10 years and this card got upgraded around 2 year ago. I use this card for fuel , shopping , restaurants and for online purchases . I am not satisfied with the credit limit and I have requested them to increase the credit limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have my credit card with ICICI bank . The credit limit was 92,000 which was satisfied and I hold coral International card. The charges are very high than other banks in the market. The validity of the card is up to 2025 and I have 24/7 helpline number .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 11, 2017
    • ICICI Bank Credit Card
      "Fabulous"
      0.5 5.0/5 "Blown Away!"
      I am having the ICICI bank credit card and the response is fine one for me with them. I would like to say that the customer service is good one with the ICICI bank credit card. I am happy with the ICICI bank credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 11, 2017
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