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  • ICICI Bank Platinum Identity Credit Card
    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 Credit Card"
      0.5 5.0/5 "Blown Away!"
      ICICI credit card service is good, they are providing pay back points according to the total points. I can purchase anything through pay back site. Customer service is good, they are friendly and helpful. Its a life time free credit card it has a good lower limit other credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI credit card for last 10 years. I use CORAL credit card. I get good benefits and discounts on the card. The interest rate was average for the credit card. There is no annual fee for this card. I am not satisfied with the credit limit, I would appreciate if they can increase my limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Charges should be waived off"
      0.5 2.0/5 "Expected more"
      ICICI is not upto the mark, they charge more fee on the credit card transaction. They never waive off any penalty and more over they wont respond to the customer's query. Finally I have close the credit card by paying all the outstanding dues.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Wonderful Credit card"
      0.5 5.0/5 "Blown Away!"
      Since ICICI banking process stands for number one services I have taken ICICI bank coral master credit card All the Bill payments,On line Transactions ,Booking movie tickets with the Book My Show App were I am getting Buy 1 and Get 1 booking offers and rewards points of 150 is being credited like discount offers like You can use this as Pay Back offer for next time usage ,International Airport lounge facilities is being provided with this coral card, On line shopping is good ,Overall the ICICI banking services is wonderful .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 3.5/5 "Pretty good"
      I have got the ICICI CORAL VISA CREDIT CARD for the past 2 years. The credit limit value is average with this card and I use this card very rarely. Basically I use this card for the shopping, online purchases and for other usages. It would be good if they can upgrade the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken from ICICI Bank and using it for last 2.5 years. I have a CORAL credit card. The customer service was easily approachable and no issues. The credit limit was happy. They charge annual fee of 500 rupees. They provide good offers as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I already have a salary account with Icici credit card team. I am comfortable with the credit limit offer by Icici and the customer support is good with Icici. I am not much interested with any offers,it is a average experience with Icici savings account service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It is a best experience with Icici credit card department. The customer support is good with Icici credit card department. I am comfortable with the credit limit from Icici credit card team. It is a excellent service from Icici credit card department.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Very good"
      0.5 3.5/5 "Pretty good"
      I have my credit card with ICICI bank for about 3 years . I hold coral International card and the credit limit was 75,000 which is satisfactory . Their customer service and responses was really good. I am getting payback points as benefits. The fees and charges are very much average..
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI bank. The given credit limit was 2.2 lakhs which is satisfactory . I hold Rubyx International card and I am happy with the reward points I get as benefit. I am satisfied with the customer service and responses here. My overall experience is excellent.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and the banking services are good. It is a life time free card and the offers and credit limit is also fine and there are no hassles while using the card. There are good offers as well and benefits on the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Services are good"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and the banking services are good. There are offers and it has not been any issues while using the card today. The credit limit is good and they are prompt to all my queries. Till date it has been good and satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • ICICI Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I also bank with ICICI bank for a credit card. They are providing good services and the response is also good. The billing is also on time and there are no charges taken for the card. There are offers and the credit limit is to my satisfaction. In all no issues.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Need Improvement"
      0.5 2.0/5 "Expected more"
      The ICICI bank credit card service not up to the mark. They charges too much of additional charges and the late fee is very high with the ICICI BANK PLATINUM CHIP CREDIT CARD. The credit limit value is average with this ICICI BANK PLATINUM CHIP CREDIT CARD.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Good card with ICICI"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with ICICI with a limit of 60000 and i am happy with my limit. I have done some purchases using the card. I have not checked for the reward points and cash back with the card. There is an annual charge of 500 is there with then card. With book my show app there is some offer for ICICI card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Not satisfied with the limit"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with ICICI bank and the limit i got with ICICI is 30000. I am not satisfied with the limit. There is no annual charge with the card. I have not yet contacted the customer service with the card. The application which i am comfortable with is the i mobile of ICICI bank.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The ICICI bank has offered me a Insta credit card LOAN and I have got the loan amount of Rs,80,000 in a single day. The customer support service is good with the ICICI bank . The rate of interest and the charges are average with the ICICI bnak Insta credit card LOAN.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      Its been for the past 1 year , I use the ICICI BANK PLATINUM CHIP CREDIT CARD, but still they haven't increased my credit limit value, they have offered me the credit card with the limit of Rs,40,000 and they have increased up to Rs ,48,000, they need to increase the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Holding the ICICI bank PLATINUM CHIP CARD for more than 5 years. This card is used for bill payments, restaurants bills , online shopping and for other usages. I am satisfied with the credit limit value with the ICICI bank PLATINUM CHIP CREDIT CARD.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 19, 2018
    • ICICI Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      The credit card with ICICI Bank is charged a fee of 1K annually. Though the fee is a bit high, I get vouchers. So I am okay with it. The credit limit is of 60k. The customer services and response is good and they are reachable to sort out a query. Overall no issues.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 19, 2018
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