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

    • ICICI Bank Credit Card
      "Best, but can be excellent"
      0.5 4.0/5 "Great!"
      I would like to say ICICI bank credit card is the best one because of their credit limit.Response is very prompt one with the ICICI bank and I would like to suggest that they could give more access to lounges in airport,also they can be get diversified.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 23, 2017
    • ICICI Bank Credit Card
      "Nothing new"
      0.5 3.0/5 "Satisfactory"
      Nothing new about ICICI credit card it is one and the same as other bank cards. I get cash back offers and rewards points like other bank cards. I am not sure about over draft facility on this card. I have already recommend this card to my friend.
      Was this review helpful? 0
      , lucknow
      Reviewed on Aug 23, 2017
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      ICICI bank gives good service by providing the Platinum chip credit card. I am using the platinum chip credit card for more than 7 years. The customer service is very good with ICICI bank. The credit limit can be increased in future with ICICI bank. I get the benefit like reward points cash back offers from ICICI platinum credit card.
      Was this review helpful? 0
      , mysore
      Reviewed on Aug 23, 2017
    • ICICI Bank Credit Card
      "Offers & services are good."
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI Bank as well and the credit limit is more than satisfactory for me. The customer support is very much easy to connect with and the team is helpful when I clarify details about my statements. The card is good for shopping as I get back points and discounts as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 23, 2017
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Holding a ICICI bank Platinum credit card I have availed in 2017. This card has the benefits of cash back offers, reward points, The online shopping offers are also available with this card. I am happy with the credit limit, The customer service is good with ICICI and the rate of interest is nominal with this card the credit limit of this card is 40000 rupees
      Was this review helpful? 0
      , noida
      Reviewed on Aug 23, 2017
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I haven't got any kind benefits in using the Platinum chip credit card with ICICI bank. The ICICI Platinum card is used for more than 8 years. The customer service is average ICICI credit card department. I am satisfied with the credit limit. There is no annual fee for the platinum chip card. I would say it is an average card to use
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 23, 2017
    • ICICI Bank Credit Card
      "Good bank"
      0.5 5.0/5 "Blown Away!"
      According to me ICICI bank is the best for credit card service when compared with SbI. Because I hold both ICICI and SBI card and I found ICICI is much comfortable for online facilities, easy process in reward redemption, pay back points. But the credit limit is not satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 23, 2017
    • ICICI Bank Credit Card
      "Nice Experience"
      0.5 4.0/5 "Great!"
      ICICI Bank has offered me a credit card and there are no charges for it. Likewise the limit is more than sufficient and the deals I get is also helpful. There are a lot of merchants who provide offers and since shopping is the main thing, I am happy to use the card on it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 23, 2017
    • ICICI Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I hold ICICI credit card for last seven years, they offering less interest rate on monthly dues. For every spend I will receiving some reward points, I could convert the points into cash by visiting branch. I am very fine with them, even credit limit is also good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 23, 2017
    • ICICI Bank Credit Card
      "Better "
      0.5 3.0/5 "Satisfactory"
      I am having the ICICI bank credit card and am using it from the last three years of time. The response is not really good one like they have not provided the things, which they have committed before like the offers on movie tickets and all. Customer service is always good one with the ICICI bank credit card.
      Was this review helpful? 0
      , kurukshetra
      Reviewed on Aug 23, 2017
    • ICICI Bank Credit Card
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      ICICI bank has been very good in their services. They are very responsive too. They have normal offers on the credit card I use. They have a good reward point system. The fee is waived as I use the limit as per the criteria the limit they have offered me is 29000 thousand which Iam not satisfied initially i was holding corral credit card that time they have just offered 25000 limit is the only concern i have with icici rest all is outstanding.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Criteria need to be improved "
      0.5 2.0/5 "Expected more"
      When I have applied for ICICI bank platinum Chip Visa credit card, they gave good response but they have rejected my application saying that I am not having the ICICI bank savings account. The ICICI bank Credit card criteria need to be customer centric. I never got any benefit from ICICI bank credit card.
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      , visakhapatnam
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Nice Experience"
      0.5 4.0/5 "Great!"
      I got a credit card of ICICI Bank and there are no issues in using my card. There are the regular features on the cash back and discounts deals. I also get reward points and the accumulated points can be converted to the shopping deals and this can be done through online.
      Was this review helpful? 0
      , shimla
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Deal is good"
      0.5 4.0/5 "Great!"
      ICICI bank has also offered me a credit card and the process to receive the same was smooth. It was a on time process and the credit limit is also decent. The customer support services are appreciated. The deals on shopping is much and the transactions are smooth.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Good. Can do better"
      0.5 3.5/5 "Pretty good"
      I hold a credit card of ICICI bank and it is a average experience. They could provide more offers online, especially when a customer wants to use it for shopping , it would be better if they have more deals. There is a nominal charge and the fee is levied annually.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Wonderful"
      0.5 4.0/5 "Great!"
      I am having the credit card with the ICICI bank and their response is good and I have not faced any issues with them till now. Customer service aspects are fair one, also they are immediate one. I am happy with the ICICI bank credit card and the payment modes are really fine.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Excellent card to use"
      0.5 4.0/5 "Great!"
      The ICICI credit card has the low credit limit, it would be great if they can increase the credit limit in future. They do it automatically because they do track the usage of spending. I hold the Coral visa card for past 2 years. I use this card for all kind of purchases and for all online transactions as well. I am getting the benefit of rewards points, cash back offers with this coral Visa card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 22, 2017
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I hold a platinum chip card from ICIC bank I got it very recently. The customer service is good with ICICI bank. The service which is given by ICICI bank is very good. The credit card service is very good from ICICI bank. I would say the ICICI bank gives good response to the customers.
      Was this review helpful? 0
      , lucknow
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      ICICI bank credit card is the one ,which am having from the last four years of time.I would like to say that the response is good one with the ICICI bank credit card.Customer service is good one and its instant too. Online payment services are feasible too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • ICICI Bank Credit Card
      "They should give easy access"
      0.5 3.5/5 "Pretty good"
      ICICI was not upto the mark, If I want to track the credit card details in ICICI, its difficult to get user id and password. But other banks are offering the log in id to check credit card details through online. But ICICI was not good, they should work on it.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 21, 2017
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    ICICI Bank Platinum Identity Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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.

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