Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Loading your search...
    Close

    Compare, check your eligibility and apply for credit cards online.

  • 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"
      0.5 4.0/5 "Great!"
      I am holing the credit card with the ICICI BANK but i sue this card seldom with this credit card because the reason is that the credit limit what they have offered is very lower with this credit card. The offers also i get seldom which is lower with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK from past four years as the card is easy also it is user friendly to access. The credit limit what they have offered is satisfactory with this card added on that the service is very good with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using Icici bank for credit card for last 1 years . They used to increase the credit limit based on time to time basis . There is additional charges that too gets waived off after contacting their customer service . Am getting good rewards points for certain transaction too .
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "IVR system needs to be develop"
      0.5 5.0/5 "Blown Away!"
      ICICI call center response time too long they need to work on it, the application is very good and the service of the bank is very polite I am fine with the bank not call centers. I have zero balance account with ICICI as my salary account its fine.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I bank with ICICI Bank for the credit card and there are good deals on the card. The credit limit is fine and the transactions are smooth. The statements are clear and the billing is convenient too. Overall it has been a satisfactory experience.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 1.0/5 "Really Bad"
      For last 11months am using Icici credit card. There customer service and response is good . Am satisfied with the credit limit which they have provided to me in starting as its been based on my salary , they said they will be increasing the limit after 6 month , but still there is no response from them. There is no annual charges for the card .There is no additional charge for the transaction which I make .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI BANK , i am holding this card for past 2 year . They offered me ICICI PLATINUM Credit card . They offered 2.70lakh of credit limit and i am happy with that . Benefit is nothing . I am not so happy with this card because no benefits .
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with ICICI BANK , i am holding this card for past 3 year . They offered very low credit limit it is 35000. They provide me with ICICI CORRAL credit card . So fast it has been a good experience with the card and their services.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have been using the ICICI bank credit card for last 1 years. They have given me a credit limit of Rs. 50000 and i have no issues with it. There is no particular offers from ICICI. The service has been provided by ICICI is good and I'm satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am using ICICI bank credit card from last 15-20 years, there was no annual fee charged for this credit card. The features and benefits are very good in this credit card. I am happy with the credit limit provided by ICICI bank credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Services need to be more proactive"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and there are no charges for the card. The credit limit is fine and there are no issues for the statements too. They need to work on the services. I can get connected easily but they do not sort out my queries.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have been using a ICICI credit card for Last 4 years, They have increased my credit limit upto Rs. 1.80 Lakhs according to my usage. This is a life time free card. I have not availed any of the offers for last 3 months even though i have received lots of notifications.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am using the credit card with the ICICI BANK from past 6-7 years as the card is user friendly card to use. There is a rewards points offers with this card added on that they are providing with the EMI conversion which is hassle free process to convert it.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I hold a credit card with ICICI Bank. I do not use the card much as there are no offers on the card. So when ever I get a 10% flipkart offer, I use the card at that moment. It is a life time free card. The bank can provide more deals when compared to the banks.
      Was this review helpful? 0
      , thane
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I have cancelled my ICICI credit card they gave me good experience, they gave me the credit card limit around Rs. 50,000. There is no draw back I have many card that is the reason I have closed the card, Its life time free card. The customer service is also good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and the offers are good. The customer support and response is fine. There are good deals and the statements are clear and sent to me on time. Overall no issues while using the card. The credit limit is also good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "Response should be proactive"
      0.5 1.0/5 "Really Bad"
      I have not get the credit card, one time I got the sms stating my card was dispatched but there was no response. The person came to collected the documents then no reply. There was no processing fee on the credit card. I done all the process but I didn't get the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Process should be easy"
      0.5 3.0/5 "Satisfactory"
      I just applied the card with ICICI, the offers are fine with them. I am not sure about complete offers which is available on my card, the credit limit is low they need to enhanced the limit based on my usage. They have taken long time to dispatched the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI credit card for while, they have not charged any annual fee with this card and i am happy with my credit limits which they have given me in this card , the best part is they give good discounts, offers in maximum products..
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI bank credit card, they have not charged any annual fee in this card and it is life time free credit card and i am happy with my credit limit in this card,there offers is good they provide me good cash back and discounts in card, overall service is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2018
    Common Loader Icon

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.