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  • ICICI Bank Instant Platinum Credit Card is Rated as "Great!" by 9647 Users

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    ICICI Bank Instant Platinum Credit Card

    To suit the financial needs of individuals who love to lead a fast-paced life, ICICI Bank has come up with the Instant Platinum Credit Card. This card can be obtained instantly and is free of cost. This is a perfect choice for people who want to build their credit score from scratch. It is also a good option for them who want to repair their CIBIL score by using a good credit card. Individuals can procure this card against their fixed deposit account and they wouldn't need to submit any income proof as well. This card is available to customers over-the-counter. Hence, one wouldn’t even have to wait for an application process start or finish. Let’s take a detailed look at the prime features and benefits of the ICICI Bank Instant Platinum Credit Card.

    Features and Benefits of ICICI Bank Instant Platinum Credit Card

      The ICICI Bank Instant Platinum Credit Card comes loaded with some useful features and exciting benefits.

      Let us take a look at these features and benefits in detail:

    • Over-the-counter issuance of card: Applicants can walk into a branch and get the ICICI Bank Instant Platinum Credit Card over-the-counter in an instant. All the applicant needs is a fixed deposit account.
    • No joining or annual fee: Cardholders do not need to pay a joining or annual fee to procure this card. If they have a valid fixed deposit account, they can get this card without having to pay any fee.
    • Good payback rewards: For every Rs.100 spend on the card, cardholders can earn 2 payback reward points. They can redeem these reward points to bag attractive gifts from the bank’s catalogue.
    • Globally accepted: This card is accepted in more than 2 million outlets and has global emergency assistance.
    • Low rate of interest: Cardholders can earn interest on their fixed deposit and use the ICICI Bank Instant Platinum Credit Card to manage their liquidity. The applicable interest rate is just 2.49% per month. However, if the cardholder pays his outstanding balance on time, they will not have to pay any interest.
    • Contactless technology: This card is equipped with contactless technology that offers additional security against credit card fraud and duplication.
    • Good savings on dining: Cardholders can avail a discount worth 15% while dining at more than 800 leading restaurants across the country. This card features under the culinary delights program run by the ICICI Bank.
    • Fuel surcharge waiver: cardholders can avail fuel surcharge waiver worth 1% on transactions made on fuel worth a maximum of Rs.4,000 at all HPCL pumps. The cardholder will need to swipe the card on ICICI merchant services swiping machines. 
    • Attractive VISA offers: Cardholders can avail amazing deals from VISA. They can unwind while enjoying lip-smacking cuisines through great deals from luxury hotels, restaurants, spas, lifestyle stores, among others.

    Fees and Charges of ICICI Bank Instant Platinum Credit Card

    ICICI Bank Instant Platinum Credit Card come with a set of fees and charges that the cardholder needs to pay in order to procure and maintain the card. Listed below is the list of the same:

    Fees and Charges Particulars (In Rs.)
    Joining fee Nil
    Annual fee Nil
    Finance charges 2.49% per month (29.88% per annum)
    Supplementary card fee Nil
    Cash advance fee 2.49% per month (29.88% per annum)
    Dial-a-draft-transaction fee 3% of the value of the draft subject to a minimum fee of Rs.300
    Cheque return fee 2% of the total amount due (or a minimum fee of Rs.450)
    Auto-debit return fee 2% of the total amount due (or a minimum fee of Rs.450)
    Fee on payment in cash at bank’s branch Rs.100 per payment
    Outstation cheque processing fee 1% of the cheque’s value, subject to a minimum of Rs.100
    Request for duplicate statement (More than 3 months) Rs.100
    Card replacement fee Rs.100
    Cash or cheque pick-up fee Rs.100 per pick-up
    Fuel surcharge 1% of the transaction value of Rs.10, which is higher
    Railway booking surcharge 1.80% of the transaction value for transactions done on the internet and 2.50% for the ones made over-the-counter
    Request for charge slip Rs.100 per slip
    Late payment fine Up to Rs.750
    GST The rate of GST for financial and banking services is 18% (applicable on all kinds of fees, surcharge, interest, and other charges)

    How to Apply for ICICI Bank Instant Platinum Credit Card

    Individuals can apply for this card in the following ways:

    • They can log on to www.icicibank.com and select this card from the list of credit cards on the website. Once, they select it, all that they will need to do is click on the “Apply” tab. Next, they will need to fill in details about themselves on the online application form. After duly filling up the form, they will need to submit it online. An executive will get in touch with them to take the procurement process further.
    • They can call the bank’s 24x7 customer care number at 1800-200-3344 and ask the executive to process your application.
    • Alternatively, applicants can walk into the nearest branch of ICICI and submit an application form in person. 
    • Eligibility Criteria of ICICI Bank Instant Platinum Credit Card
    • To procure the ICICI Bank Instant Platinum Credit Card, applicants will need to fulfil certain eligibility criteria that are listed below:
    • Applicants should have a fixed deposit account with ICICI Bank.
    • The minimum tenure of fixed deposit has to be 6 months.
    • The minimum amount of fixed deposit is Rs.20,000.

    Documentation required for ICICI Bank Instant Platinum Credit Card

    In order to get this card, the cardholder will need to submit proof of their fixed deposit account.

    FAQs about ICICI Bank Instant Platinum Credit Card

    1. Is it compulsory to have a fixed deposit account in ICICI Bank only to get this card?
    2. No, you can have a fixed deposit account in other banks as well.

    3. What documents will I need to submit in order to get this card?
    4. You will only have to submit a proof of your fixed deposit account.

    5. Is there a renewal fee that I need to pay in order to maintain the card?
    6. No, there are no joining, annual, or renewal fee that you would need to pay in order to maintain this card.

    7. How long does it take to get this card?
    8. This card is available over-the-counter. Hence, you would get it as soon as you submit your document.

    9. Is there a salary criterion?

    Since the bank offers this card against a fixed deposit account, there is no salary criterion.

    ICICI Bank Instant Platinum Credit Card Reviews

    • ICICI Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I was using ICICI bank credit card for 3 years and i closed the card, again i started using this credit card from last 1 month. Initially it was a coral credit card and now i am using platinum credit card. There was no annual fee charged and payback points are good in this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am using ICICI bank credit card from last 10 years, it is a Rubyx credit card where the offers are very good and useful. They did not charge any annual fee at the time of getting this credit card and the credit limit is sufficient in ICICI bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • ICICI Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Am using the ICICI credit card for last 1 month. They have given me a credit me a very good limit. I have received my card on time. They sending a offer notification on a regular basis. I have spoke with their customer care to change the pin number and the response was good. I have installed the mobile app and i have changed my pin number.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using ICICI bank credit card, they have charged me annual fee up to 500 rupees in this card, but there is waived off option available like if annual fee will cut off if i spend certain amount , and i am happy with my credit limit in this card, they provide good offers in shopping and fuels.
      Was this review helpful? 1
      , pune
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I took my credit card with ICICI bank for long time,they have charged me annual fee in this card,and i have no idea about waived off option it available in this card for not, and i am happy with my credit limit they have given me in this card, they provide good offers and discount in shopping and fuels products.
      Was this review helpful? 0
      , guntakal
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI bank credit card, the best thing in this card is that they provide good offers and and there service is too good, they have not charged me annual fee in this card, it is life time free credit card, and i am happy with my credit limit they have given me in this card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using ICICI bank credit card for a while, and they have not charged any annual fee in this card , it is life time free card and i am okay with my credit limit which they have given me in this card and like they charge annual fee but most of time it use to get waived off so i considered as no annual fee they charge and they provide good offers and discount in this card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      ICICI bank is providing not that much good service for the credit card . I have been using for last few years . There are no annual charges for the card as its life time free card . Am satisfied with the credit limit which they have offered . Customer service and response is satisfactory and not up to the mark .
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Best card"
      0.5 4.5/5 "Excellent!"
      I carry a ICICI credit card and i am using since the past one year. I never had any complaints with ICICI as till date the services are up to the mark. The limit given to me on card is good compare to my other Credit card. There are certain annual charges here but it gets waived off later.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is good overall in the credit card services. The customer support and response is fine. There are no hassles while I use the card. The credit limit is fine and the card can be used all over. The statements are sent to me on time. Overall good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      There is a annual fee of Rs. 299 and it will get waived off. There is a offer on movie ticket booking, fuel sur charges waiver on petrol bunk. There is a 15% off on restaurants. I am using the ICICI credit card for last 1 year and i have got the credit limit of RS. 30000.
      Was this review helpful? 0
      , jodhpur
      Reviewed on Dec 12, 2018
    • ICICI Bank Credit Card
      "Need to experience the card a lot"
      0.5 3.0/5 "Satisfactory"
      There is no proper communication from ICICI people. This month i have received the MANCHESTAR FOOTBALL credit card. I have got the credit limit of Rs. 25000. There is a offers on restaurants and booking movie tickets. If i purchase a fuel of Rs. 750, i will get a cashback of Rs. 6. They have dispatched the card on a promised time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI bank credit card from past 2 years, this is my first card, and they have charged me annual fee in this card, but there is waived off option available in this card like if i spend certain amount then my annual fee will get waived off and i am happy with my credit limit they have given me in this card and they provide good offers.
      Was this review helpful? 0
      , indore
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using ICICI bank credit card from long time, they have not charged annual fee in this card it is life time card, they have given me good credit limit in this card and i am happy with my limit and there offers are good they have given me offers in maximum products, overall service is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI bank credit card from past 5-6 years,this is my first card, and they have not charged any annual fee in this card, it is life time free credit card and the best part is that i can convert emi option and there offers are good, they have given me very good credit limit, i need to reduce it .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card with the ICICI BANK where the service is very good and satisfactory with this where the customer service is responsive and very much good. There is a EMI option added on that the offers are sufficient also reward points were offered on this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "User friendly card"
      0.5 5.0/5 "Blown Away!"
      Since my banking experience with ICICI hence the services has been good. They have provided me a credit limit of Rs. 85000 and if i spent certain amount my annual fee will get waived off. They are giving good offers on movie tickets. If i spend nicely this month, they will provide the best offers next month. The repayment option is good and To make the payment using the app is user friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I had been using this card for a while and i am not that much satisfied with the services of them. But they had been reducing some charges without any intimations and the charges has also been high. The credit limit with the card has been good and i had been using this card for all purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this card for the last one year and i am quite happy with the services which they had been providing so far. The credit limit with the card has been good and there has been some good benefits which comes with this card as well. There has not been any annual charges with this card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 11, 2018
    • ICICI Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I have started using the ICICI credit card for 1.5 months. They have given me a credit limit of Rs. 25000 and i cannot able to check the credit limit details in the app. There is no annual fee. I never interacted with their customer care. I have not checked any kind of offers in ICICI card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Dec 11, 2018
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