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:

    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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    ICICI Bank Platinum Identity Credit Card Reviews

    • ICICI Bank Credit Card
      "Need to increase the Credit Limit"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card for 3 and half years, its a good one to use, but while applying they provided credit limit as 15 thousands post that they increase to 25 only, i would like to suggest to provide more credit limit, mean while the customer service was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I bank with ICICI Bank for a credit card. The customer services and response is good and there are good offers as well. Just that the credit limit is less. Else there are no hassles while using the card. The transactions are smooth and easy and no issues.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold ICICI bank credit card for long time, They have given me good offers in airport lounge, shopping movie tickets etc, They have not charged me annual fee in this card , it is life time free credit card,They have given me good credit limit. Their overall service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Satisfied with the card"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and there are good deals on the card. The customer services and response is good and there are no issues with the bank. There is a good credit limit as well. It has been a hassle free experience overall for me.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Eight months I have been ICICI credit card, its has life time free benefits and they upgraded the card features but the drawback is the limit they gave me only Rs. 30,000. The charges are very nominal, I am not getting any cash back based on the spend.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have a CORAL credit card with ICICI BANK and its almost 15 years. Its is easy to access and am happy with the benefits. There is no annual fee for my credit card. The credit limit is very high. It has option for flexi pay but never tried it. I use this card for multi purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I have taken the ICICI Bank credit card just for the sake of getting it. It has a annual fee of 200 only. But the expenditure to waive off that 200 is 50K, which is too much. I do not use it much. When ever I used it, there were no hassles. In all no hassles.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Lesser credit limit"
      0.5 3.0/5 "Satisfactory"
      In ICICI, I make my 75 % of the card bill to them . I maintain good track record with ICICI service . But they also never bothered to increase my credit limit . I requested them for two or three times but those customer care people have never responded for my request .
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using icici Bank credit card last 2 years . Service provided by icici Bank is good and their response is good . This is life time free card i used for multipurpose .After approval card i got after 3 days I satisfied with credit limit 50k and cash back and rewards point offer in this card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using the ICICI Bank Credit Card from the year of 2015 and the services with them has been good. There is some good benefits in using this card like cash back offers and i am using the card for all sort of purposes. There are no annual charges with this card and i am satisfied with the credit limit which is offered on this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Good card for the reward points"
      0.5 4.5/5 "Excellent!"
      More than 2.5 years I have been using more ICICI credit card, the service is very transparent. They gave me Rs. 1.5 lakh of imit its satisfactory, I am holding life time free credit card, I used to track the credit card information through netbanking. But one time they charged me over limit fee then I raised request but they didn't consider it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "No hassles"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is good in the credit card features. I been using the card and there are no hassles whilst using the card. The credit limit is fine. The customer support and response is good and there are good benefits on the card and the billing is good too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I took ICICI bank credit card from long time, They have not been charging annual fee as it is life time free credit card, They have given me good offers in bookmyshow.com, They have given me good credit limit as i have expected, their overall service is good so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      Service provided by icici Bank is good and their response is good .I am using icici Bank credit card last one and half years This is chargeable 500 rupees , i used for multipurpose .After approval card i got after 3 days I satisfied with limit 66k and cash back and rewards point offer in this card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Long back I got the ICICI coral credit card , that card for the international purpose and also it good for foreign transaction but I didn't use it for long time. Hence the bank called me and gave me another card its good for the online and offline shopping.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been ten years since i am using the ICICI BANK CREDIT CARD, the services with them has been good. It is a life time free card and i am happy with the credit limit with this card. There is some added benefits with this card like reward points and also cash back offers. I am using the card for on-line as well as off-line purchases.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      This is life time free card no need any annual charges and in this card cash back offer but not much sometime got cash back last five month above I have ICICI bank credit card and I am satisfied with credit limit 45K and their customer service is good and response is also good , I am happy with this credit card,
      Was this review helpful? 1
      , hyderabad
      Reviewed on Apr 23, 2019
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been six years since i am using the ICICI BANK CREIDT CARD, the services of them has been good where there has been some very good offers they are providing as well. I am happy with the credit limit with this card and i am using the card for all sort of purposes like shopping. There is a good cash back offer which i am getting through this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 23, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I bought ICICI BANK Credit card . There is no joining fee at the time of getting he card . The rate at which they provide rewards is also very good.They do run cash back offers on Amazon and Flipkart. Overall it is a useful card to have. I use this card for multipurpose .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I've been using the ICICI BANK credit card for a while.They don't have any commendable offers and promotions. The interest rates seems to be Reasonable. They are ready to increase my credit limit but i am happy with what i have and they gave me 44000 of credit limit .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 23, 2019
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