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  • ICICI Bank Instant Platinum Credit Card

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  • 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.

      

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    ICICI Bank Instant Platinum Credit Card Reviews

    • ICICI Bank Credit Card
      "Good Service"
      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 3 years .I have got a very good credit limit and got all the required information about the card process This was a free card .I have not used and checked cash back offers and reward points .
      Was this review helpful? 1
      , surat
      Reviewed on Sep 13, 2019
    • ICICI Bank
      ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having ICICI Amazon credit card where there are cash back offers based on my purchase amount in Amazon website they are giving 3% of cash back from my purchase amount and if I am a prime member then I get flat 5% cash back on amazon pay but for the EMI options there are no cash back and reward points applicable.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      I am holding ICICI credit card where the I was given good limit, offers are available, using Bank bazaar service from past 3 years, EMI options are available by calling customer care and they have charging processing fee of 2% and flat interest rate of 13%
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Best card in the market"
      0.5 4.0/5 "Great!"
      I am having Coral on American express card from ICICI bank. I used the credit card for mostly on online website. I need to pay the annual fee on this card but the card features are really good. i am holding this credit card for a while and i'm satisfied with the services.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Good in the market"
      0.5 4.0/5 "Great!"
      I get offer on flight tickets booking, movie tickets booking and on petrol 1% sur charges waiver, makemytrip offers. I am holding the ICICI credit card for last 1 month and the provided limit is better than other credit card. Its a life time free credit card and i am not yet received a first month bill and they have dispatched the card as per their promised time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Worst service"
      0.5 2.0/5 "Expected more"
      I have a credit card from ICICI. Every day i receive a call from customer care and they will inform about the offers. I'm receiving a messages also regarding that. When i apply those offer in online, it will show that "its not applicable or else i do not have any offer". More than 2 years, i am utilizing the card benefits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • ICICI Bank Credit Card
      "Need to prrovide reward points and cash back"
      0.5 4.0/5 "Great!"
      I am using ICICI bank coral credit card for more than 3 years which was applied directly to bank. It is a life time free credit card but the limit which was given for a low of 30 thousands only not yet enhanced. EMI options are nominal for this card. It is useful book my show so I get one free ticket based on the usage I have not get points yet.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have ICICI Bank credit card which was directly taken through Bank .I am using this credit card for the past 2 years .This is a free card and i have got the credit card on time without any hassle .The credit limit was really good and satisfied according to me .There are good reward points as well as cash back offers .This card is very comfortable to use and easy to access .
      Was this review helpful? 0
      , indore
      Reviewed on Sep 11, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have taken ICICI bank make my trip credit card for more than 8 months which was processed through bank directly. On time I received a card and it was a life time card and the credit limit is sufficient, for this card some charges are applicable and it is nominal. I use this card for travel purposes.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 11, 2019
    • ICICI Bank Credit Card
      "Need overall improvement"
      0.5 2.0/5 "Expected more"
      I have coral card its not that much worthy, we won't get any offers from their end but initially they told many things but after received my card it took 2 weeks to activate, the customer care is also not upto the mark finally I went to the bank and the charges are more on the daily basis for credit transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 10, 2019
    • ICICI Bank Credit Card
      "Professional banker"
      0.5 5.0/5 "Blown Away!"
      I'm customer of SBI for past 16 years. Since 2006, i am having a credit card from ICICI bank. They have provided me a credit limit of Rs. 40000 and they have called me to increase the same but i have declined. I don't look into the benefits. There was a solution given by bank even though if i face any issues. They handled the issue very professionally.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 10, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      For the past one year I am using ICICI bank coral credit card which was processed through an online. It was a life time free credit card. They have given for a credit limit for more than one lakh. I use this card mostly for shopping, flight ticket, movie and travel purposes.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 10, 2019
    • ICICI Bank Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was offered by Bank directly .I am using this credit card for the past 2 years .This was a free card and this was a paperless approval .The credit limit was really good and there are good cash back offers and reward points .I am really satisfied on using this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 10, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank .I am using this credit card for the past 2 months .This was a chargeable card .Customer service is also good and there are good reward points as well as cash back offers.The credit limit was really good and there was no difficulties faced so far.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 09, 2019
    • ICICI Bank Credit Card
      "Low documentation card"
      0.5 4.0/5 "Great!"
      1 month ago, i bought the credit card from ICICI bank. There is no reason for choosing ICICI but one of my friend is suggesting me to purchase this card. The benefits are similar like other credit card. There is no joining fee for this card. The documentation process is smooth and the entire is over in 10 days. They have sent a card without any delay.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 07, 2019
    • ICICI Bank Credit Card
      "Need overall improvement"
      0.5 3.0/5 "Satisfactory"
      If I purchase above Rs.5000 in ICICI credit card I couldn't convert into emi they have lots of procedure and I applied for one card but they issued me three cards in my name later on I didn't use the card so I closed it. The customer support and I mobile app need lots of improvement .
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 06, 2019
    • ICICI Bank Credit Card
      "Good Credit Card"
      0.5 3.0/5 "Satisfactory"
      I have VISA card from ICICI, the credit limit which offered is excellent I have been using it only last three months. So far I didn't find any reward points or cash back based on the transactions. The payment gateway is easy to make the bills on date, they are providing reminder calls and messages.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 06, 2019
    • ICICI Bank Credit Card
      "Need to decrease charges"
      0.5 4.0/5 "Great!"
      I have ICICI Bank master credit card which was applied through Bank. For the past 6 months I am holding this card .It is a life time free credit card. The credit limit was sufficient. Some time for the usage of this card it will be zero cost of EMI. Based on the usage I get only reward points but no cash back so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 06, 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 on 8 months before which was processed through directly to bank. It is an annual fee chargeable of 1000 rupees and there is an option for a wavier off for a certain amount usage, the credit limit is 40 thousands only which was low. There is an option for an EMI charge are high, I use for fuel and shopping purposes.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 05, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I am using ICICI Bank credit card which was applied through Online.I am using this credit card for the past 2.5 years ,The credit limit was really good and it was sufficient as well .This was a free card .There are good reward points as well as cash back offers .I have got the credit card on time and the agent gave all the information about the card process.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 04, 2019
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