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  • ICICI Bank Platinum Identity Credit Card

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  • 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
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank directly .I am using this credit card for the past 2.5 years ,The credit limit was very less and there was no difficulties faced so far ,I have got the credit card on time without any hassle and this card is really good to use .
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • ICICI Bank
      ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank directly.I am using this credit card for the past 4 years and got all the required information about the card process very clearly .This was a free card and and there was no difficulties faced so far on using this card .
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Everyone should have it"
      0.5 5.0/5 "Blown Away!"
      ICICI card is good because the service and offers provides to the customer. I know how to contact the customer care service and i use the card for almost 5 years. I get all kind of benefits like in a month i get Buy1+GEt1 movie tickets. They are charging a annual rental which i don't like and they don't offer in waive off option.
      Was this review helpful? 2
      , new delhi
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Best Service"
      0.5 4.0/5 "Great!"
      I have ICICI Bank credit card which was taken through Bank directly.This was a chargeable card ,I am using this credit card for the past 1 year ,The credit limit was average and there are good cash back offers and reward points.I have got all the relevant information about the card process very clearly and i am comfortable with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Average Card"
      0.5 4.0/5 "Great!"
      ICICI is an average card to use. Movie ticket offer is there like buy1+get1 but i haven't availed the same other than this airport launch access facility is there. I have a ICICI credit card for 2 years. Whenever i do the transactions i get the OTP immediately.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding ICICI BANK coral credit card for more than 3 years ago. It has applied directly to bank. It is a life time free credit card. There is an option for an EMI and charges are was okay. I use this card for movie ticket of one plus one free offer.
      Was this review helpful? 1
      , daman
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I hold a ICICI Bank credit card which was taken through the Bank directly .This was a free card and the details about the credit card was clearly shared by the agent .The credit limit was pretty comfortable .I have got the credit card on time and so far no drawbacks faced. Lastly, I am also very much comfortable with the level of service offered by them.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Best"
      0.5 4.0/5 "Great!"
      I have ICICI Bank credit car d which was availed through Bank directly .This credit card is really useful and there was no difficulties faced so far .I am comfortable on using this credit card and this was a chargeable card .This was a platinum card and have really good cash back offers as well as reward points .
      Was this review helpful? 0
      , tirupur
      Reviewed on Oct 16, 2019
    • ICICI Bank Credit Card
      "Service is Good"
      0.5 4.0/5 "Great!"
      I am using ICICI Bank credit card which was directly taken through Bank.I am using this credit card for the past 2 years .The credit limit was good and it was upto 36,000,This was a free card .This card was a platinum card when received and later it was upgraded to coral card .
      Was this review helpful? 0
      , bellary
      Reviewed on Oct 16, 2019
    • ICICI Bank Credit Card
      "Need to improve customer service"
      0.5 3.0/5 "Satisfactory"
      It is very complicate to connect to customer service of ICICI bank. I have been using the Ferrari card for more than 1 year. It is a free card from 2nd year onwards. The credit limit is sufficient for 50 thousands. EMI option is applicable. I am using this card for purchasing purpose. Based on the usage I get reward points and cash back. There is no much benefits. For up gradation they detecting the amount of 2500 rupees.
      Was this review helpful? 1
      , tiruchirapalli
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Really good for transactions"
      0.5 4.0/5 "Great!"
      ICICI Credit card service is really good. They have offered me a credit limit of Rs. 56K and they have not increased my credit limit so far even though i use the credit card for past 2 years. I get the offers like cashbacks and discounts. They are sending the offer messages on a regular basis.
      Was this review helpful? 0
      , vellore
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The credit card limit is low in ICICI BANK and its only 20K which have been using it for past 6months. I am using the card for Amazon online purchase because they are providing 10% discounts. The annual fee is not applicable. The payment mode is easy.
      Was this review helpful? 1
      , tirupati
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Need to enhance the credit limit"
      0.5 4.0/5 "Great!"
      I am holding ICICI bank platinum credit card for the past one year. It is a life time free credit card. I received a card on time. The credit limit is not much sufficient of 20 thousands only. EMI option is applicable and charges are nominal. By his card I bought only one mobile phone and monthly paying for an EMI of 2700 rupees.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which i am using for the past 14 years.This was a free card and there was no difficulties faced so far on using this card .There are very good reward points and cash back offers which is really useful.I have Platinum card which is also good for me.
      Was this review helpful? 2
      , new delhi
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was offered by Bank .I am using this credit card for the past 2 years ,The credit limit was good and this was a free card and there are good cash back offers as well as reward points ,This card is veryb useful and comfortable .I am really satisfied with the service so far .
      Was this review helpful? 1
      , erode
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Need to enhance the credit limit"
      0.5 4.0/5 "Great!"
      I am having ICICI credit card for the past 8 years. Since I am holding a salary account with them they offered for the credit card and no documents submitted. It is an annual fee chargeable of 500 rupees. The credit limit is low given for 30 thousands only. EMI option is applicable and charges are nominal. I use this card for shopping and to pay for the loan. Based on the usage I get reward points.
      Was this review helpful? 2
      , erode
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      I'm using the ICICI bank credit card for approximately 4 months. I get the benefits of no annual charges. I'm getting cashback, rewards points and discount. The provided credit limit of Rs. 27000 is not sufficient for me because my expectation was upto Rs. 1 lakh. I make the payment through online.
      Was this review helpful? 0
      , sawai madhopur
      Reviewed on Oct 13, 2019
    • ICICI Bank Credit Card
      "Better Card"
      0.5 3.0/5 "Satisfactory"
      Interest rates are more for EMI conversion. I used to make the payments on time. I hold the ICICI credit card for last 3 years for that they have given me a limit of Rs. 2000 and they offered me a limit enhancement but i have denied the same. I'm planning to close the credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 13, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was directly taken through Bank .I am using this credit card for the past 1 year,This was a free card and i have not checked cash back offers and reward points so far .I have got this credit card without any delay ,I am really satisfied with the service.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 12, 2019
    • ICICI Bank Credit Card
      "Need to provide an EMI option"
      0.5 3.5/5 "Pretty good"
      On 4 months before I have applied for a credit card with ICICI bank directly to them. It is a life time free credit card and the credit limit is given for 30 thousands only for this card. EMI option is not applicable. I use this card for many purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2019
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