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  • 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 holding the credit card from the ICICI BANK. It is a very good card to use and i am using the card which is more comfortable to use. I am getting the offers as well as the the reward points from my credit card. obviously i am happy with the credit limit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've been using the ICICI Platinum Chip credit card for a while. It is a Lifetime free card, The experience is good. I am an employee of the ICICI. It don't have any commendable offers. Overall it is as useful as any other credit cards you can find in the market.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am using the ICICI BANK credit card since 1 year. Documentation i have done through the doorsteps. Limit i am not satisfied with my credit card. I use for the multiple purpose. EMI is easy to convert from my credit card. I am happy holding the credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • ICICI Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      My credit card was taken with ICICI bank 3 years back. They have offered coral card and the benefits are reward points . The credit limit was 48,000 which is satisfactory . Its a chargeable card.Their customer service and responses was good.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Jun 23, 2018
    • ICICI Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      My credit card was taken with ICICI bank 3 years back. They have offered platinum card and the give credit limit was 36,000 which is not satisfactory . The customer service and responses were good but the benefits are not good when comparing INDUSIND Bank and it is a chargeable card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 23, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      My credit card was taken with ICICI Bank 3 years back. They have offered coral card and the give credit limit was 68,000 which is satisfactory .The customer service and responses was up to the mark. The benefits are free movie tickets and reward points but i coud'nt use it since they are giving offers when i try to utilize.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • ICICI Bank Credit Card
      "Good experience"
      0.5 4.5/5 "Excellent!"
      My credit card was taken with ICICI bank 1 year back. I hold corral card and the credit limit was 25,000 which is satisfactory . The customer service and responses was good. The benefits are reward points and cash back offers . The annul fee is very nominal.
      Was this review helpful? 0
      , delhi
      Reviewed on Jun 23, 2018
    • ICICI Bank Credit Card
      "Go for Buy 1 + Get 1 offer"
      0.5 4.0/5 "Great!"
      There are annual charges for all the cards. They have a movie offers buy 1+ get 1. They gave me a credit limit of 1.5 lakhs. Whoever loves for the movie, then this is the best card for them. I don't find any hassle free services from the ICICI coral card.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2018
    • ICICI Bank Credit Card
      "Good Credit card"
      0.5 3.5/5 "Pretty good"
      I'm using this card for more than 1 year. This is my 1st credit card ever. I'm not much interested about the offers and features. I never faced any issues so far by using this card. I'm happy to say that i have got a satisfied credit limit. Its been a very good brand in the market.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2018
    • ICICI Bank Credit Card
      "Not Satisfactory"
      0.5 1.0/5 "Really Bad"
      I had been using the card for a while and the card has a credit limit which is less than i expected. There has not been good offers with the card which i had expected. The services which they had been providing o far had been okay and there has not been much issues faced with the banking services of them so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2018
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the ICICI Visa credit card for the past 2 Years. The limit is 45000 it is not very good. I am getting regular reward points with the card. This is as good as any other card you can find in the market with no commendable benefits. Overall they need to provide more offers and benefits to their customers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2018
    • ICICI Bank Credit Card
      "Good Services from ICICI"
      0.5 3.0/5 "Satisfactory"
      They have offered me a credit limit of 30000 which is very less. I never asked them to increase the credit limit. Its almost 3 years i'm using this card. They are charging Rs. 500 as annual fee. They told me that i have to spend 1 lakhs every year to waive off the annual fee. Their is no much offers in this card. I'm not really happy about the card.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 22, 2018
    • ICICI Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Time to time offers are coming in ICICI credit card. I used to pay the annual fee of Rs. 150. They have offered me a credit limit of 1.50 Lakhs. Overall, the experience of ICICI credit card is very nice. Its totally a hassle free service over there.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jun 22, 2018
    • ICICI Bank Credit Card
      "Right Service"
      0.5 1.0/5 "Really Bad"
      I have recently taken this card and i had not yet been using this card. The card has been good with the credit limit and the benefits and the features and there has not been any issues faced with them so far. The process in getting the card also had been very good as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2018
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I was just looking for a good card and the process in getting the card has been very much easy and fast and the card has reached on time as well. The credit limit with the card has been okay but i was expecting more limit with the card. I have started using the card and i have already made 5-6 transactions as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2018
    • ICICI Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      They are charging Rs. 499 as annual fee and it will not waived. If i want to waived off the annual fee then i will use for more than 1.5 lakhs. Only buy 1+ Get 1 bookmyshow.com facility is available and i avail that facility also. As of now i don't see the cashback offers. The 1st statement is not still generated yet. As of now i did not face any issue in this card. This is my 1st credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 22, 2018
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding the card for the last ten years and it had been a very good service which they had been providing so far. There has not been any kind of issues faced with the banking services which they had been providing so far. It has been a life time free card and there also had been good features with the card as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 22, 2018
    • ICICI Bank Credit Card
      "Fine with the Card"
      0.5 5.0/5 "Blown Away!"
      Their is no annual fee for this credit card. I'm using this ICICI platinum chip card is about 1 year. I never faced any issues with the ICICI. The customer care service is excellent. I have used this card several times in most of the outlets. For booking of railway tickets in IRCTC, Air tickets in that i will get some cashback offers. I used to get buy 1 + get 1 from this card. I never used this card for online purchase.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on Jun 22, 2018
    • ICICI Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      My credit card was taken with CITI Bank 3.5 years back. They have offered coral card and the credit limit was satisfactory . The benefits are free movie tickets and offers in restaurant ., The customer service and responses was up to the mark. Its a life tie free card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      Limit is not satisfied with my credit card that they have given. Service is good what they have provided to me. It is a life time free card so that i have to pay no charges annually. I am using since 3 months.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2018
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