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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
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Its a Jet privilege coral credit card i am using from last one year of ICICI bank . The customer service is real good from their end . They provided me a limit of 25K and a cash withdraw option of rupees three thousand seven hundred . I receive reward points on using the card and i receive it and convert it into cash .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Looking for better feature"
      0.5 1.0/5 "Really Bad"
      I am not satisfied with very high interest on monthly basic and late payment fee was high. It has lot of inconvenient service than HDFC, they have normal credit limit of Rs. 40 it was also not sufficient for the transaction. Overall I am not okay with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank 1 year back. They have offered coral card and I get reward points and cash back offers. I am using the points on fuel purchase. The charges are 35 here for late payment.The customer service and responses was good and It took just 10 days for the whole credit card process here.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      The ICICI bank Platinum chip credit card is used by me for past 2years. I use this card for shopping,bill payments and for usages. The credit limit is average with this card and I am satisfied with it. There is annual fee of Rs.399 I pay towards this card.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Clarify the hidden charges"
      0.5 2.0/5 "Expected more"
      ICICI hidden charges was very high hence I wont recommend to others. I don't have any benefit, at time of activation they shared lot of offers but I could utilize such benefits. I checked with the customer service they wont give proper response regarding credit card queries.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good. Can do better in offers"
      0.5 3.0/5 "Satisfactory"
      I bank with ICICI Bank for a credit card as well and the services are average. They need to provide more offers and the limit is also not up to the mark. There are charges for the card and I am not that happy with this product. The services are good overall.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Got the ICICI bank platinum chip credit card for past 4years. The credit card service is good with ICICI bank. The customer service is good with ICICI bank credit card department. I am satisfied with the credit limit. There is no annual fee with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank 1 year back. They have offered coral card and I get reward points and cash back offers. I am using the points on fuel purchase. The charges are 35 here for late payment.The customer service and responses was good and It took just 10 days for the whole credit card process here.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good to use"
      0.5 5.0/5 "Blown Away!"
      I use Coral Credit Card of ICICI Bank. I am happy with the credit limit and using the card from 1 year. The offers are very good, It is a life time free card, I use net banking for the payment. The net banking is good to use and convenient. The customer service and response is good.
      Was this review helpful? 0
      , indore
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with ICICI Bank and it has been good till date. From time to time the offers are available and I am also informed about it. The credit limit is also to my satisfaction and there are no issues while using the card. There are a lot of deals online as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Best service "
      0.5 5.0/5 "Blown Away!"
      I hold a ICICI credit card with a limit of 30 thousand.It has no annual fees it in.No such unique benefits, all were given using this card, all are the same like other credit cards.I earn reward points for the purchase I make. I have an option to redeem the points at the outlet as well and at online stores.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank has also offered me a credit card and the deals on the card is good. The experience is perfect till date and there has been no sort of issues faced while using the card. The statements are clear and the cash back and rewards are useful.
      Was this review helpful? 0
      , gwalior
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "SATISFACTORY"
      0.5 3.0/5 "Satisfactory"
      ICICI bank has committed certain credit cards to me and have not given me the cards. So far I sent back three cards back to them. The card which I have now, has no issues with the credit limit. This is yet another product which has not proved satisfactory.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "SATISFACTORY"
      0.5 3.5/5 "Pretty good"
      Though I am not an existing customer of ICICI Bank for an account. They still offered me a credit card with the credit limit of 40K. If I use the card above 30K in a year, they would waive off the annual charges. Else I would be charged Rs. 200 as fee. The offers are good and there are no issues in using it.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good service "
      0.5 3.0/5 "Satisfactory"
      I hold a ICICI credit card with a limit of 25 thousand I have been using my card for past1.5 years they have not yet upgraded my card,requested multiple times no response from the bank.no additional charges are levied on the account.Easy EMI options are available for high value transaction.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      ICICI Bank is good in the credit card services. I have no hassles in using the card and the experience is good till date. There are offers and the credit limit is also good. The charges and interest rate is also normal when compared to other banks.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The coral credit card from ICICI bank is good on cash back offers and they have good offers on movie tickets. The services are good, they send statements on time and no hassles faced in using the card. They also have good online facilities as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      ICICI banking service was good. I use Titanium Visa Credit Card, The credit limit was good, they charge very less amount annually, They offer reward points on this card. I don't know about the rate of interest, my ratings are not applicable,
      Was this review helpful? 0
      , secunderabad
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have my salary account with ICICI Bank and they offered me a ICICI Bank Coral Master Credit card. I pay an annual fees around Rs. 300 to Rs. 400. For the past 2 years I have been using this credit card. I use this credit card for shopping, online recharges etc. I have got an insta loan based on my credit card. Even though I have my salary account with them the credit limit offered by ICICI Bank is low when compared with the credit limit given by State Bank of India.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Oct 16, 2017
    • ICICI Bank Credit Card
      "No problem with the application"
      0.5 5.0/5 "Blown Away!"
      I have an ICICI Bank Ferrari Credit card and felt the process of opening to be slight. I took the card only 15 days back, so I won't be able to give you a deep insight, but until now I felt the experience to be very good and exciting. The process of opening the card was very simple.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
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