Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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 of ICICI Platinum Identity Credit Card

    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.


    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 for ICICI Platinum Identity Credit Card

    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 ICICI credit cards 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

    Charge Amount
    Joining Fee 2000
    Annual Fee 750
    Supplementary Card Nil
    Interest on extended credit or overdue interest 3.40 % per month or 40.80% per annum.
    Interest on cash advance 3.40 % per month or 40.80% per annum.
    Cash advance transaction charge 2.5% of transaction amount, subject to a minimum of Rs. 300.

    Related Fees and Charges

    Charge Amount
    Reward redemption Rs. 99 + service tax is levied for handling and courier on hand-picked reward redemption requests.
    Card replacement Rs.100
    Chargeslip request Rs.100
    Overlimit 2.5% of the overlimit amount, or a minimum of Rs. 500.
    Dial a loan transaction fee 3% of the amount subject to a minimum of Rs. 300.
    Card replacement 1% of the cheque amount, subject to a minimum Rs. 100,
    Chargeslip request Rs.100
    Overlimit 2% of the total amount payable, subject to a minimum of Rs. 250.
    Dial a loan transaction fee 2% of the total amount payable, subject to a minimum Rs. 250.
    Cash payment at bank branch 1% of the cheque amount, subject to a minimum Rs. 100,
    Surcharge on railway booking 1.80% of the transaction amount for bookings made online. 2.5% for any other booking.
    Fuel surcharge 2.5% of the transaction amount or Rs. 10, in case fuel surcharge waiver is not applicable.
    Service tax Service tax is charged at 12.36%. Applicable on interest, fees, surcharge and other fees.

    Late Payment Charges

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

    FAQs on ICICI Platinum Identity Credit Card

    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. 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.

    3. 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.

    4. 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.


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