Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • ICICI Bank Instant Platinum Credit Card is Rated as "Great!" by 10857 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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
      "Never understand the value of the customers"
      0.5 1.0/5 "Really Bad"
      I purchased the ICICI credit card 4 months before . I have huge transaction in ICICI salary account , but even though they provided me a credit limit of 25 k only . I am highly disappointed with the ICICI service . Never understand the value of the customers and customers requirements .
      Was this review helpful? 0
      , gulbarga
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this credit card for the last six months where services with them was quite good. The credit limit with the card has been good and it has been a life time free card. I am using this credit card for all purposes like shopping and for most of my purchases.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      The reason to like this ICICI card, they are providing best services compared to other credit card. The offers are very good like reward points and discounts on the shopping, hotel etc. They have cash back of 1% at fuel filling, its a life time free signature credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this credit card for the last couple of years and the services which they had provided so far was pretty good. There is an annual charges of 500 with this card and there is some good offers which comes with this card as well. I am happy with the credit limit with the card as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Best reward card"
      0.5 5.0/5 "Blown Away!"
      I am having ICICI BANK EXPRESSION credit card for the past 1year.This is one of the best reward shopping and travel we can use this card. Credit limit is really good and sufficient. Customer service and responsiveness in Bank is really good.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is doing good in the credit card features. The customer support is fine and they are responsive too. The statements are clear and sent to me on time. The credit limit is also good and there are good deals on the card. It is convenient when I use it and there are no annual charges on the card.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Best Service provider"
      0.5 5.0/5 "Blown Away!"
      I am a bank employee of ICICI, for the online shopping I get more discount in amazon, flipkart etc. I am using this credit card around six years, everything is satisfactory with my bank credit card. The bill part is very keen and clear, they send email statement before the due date.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I am not using the ICICI bank credit card as I am not happy with the services. Apart from not providing the offers, without any intimation they have charged me Rs.700 for not using the credit card. Since I did not make that payment, the interest amount has accumulated and now it is a fee of 1900. I tried contacting the customer care and they did not answer the call.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI credit card for last 3 to 4 years and it was a good card. Its a Coral card and the credit limit is average. The annual charges are applicable and its 500 rupees. I have contacted the customer service and its good. Also there is option for EMI.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "They need to incrsae the credit limit of customer "
      0.5 4.0/5 "Great!"
      The services of ICICI BANK is good, i am holding this card for past 6 month .The service was fine they come up well with lots of offers on e commerce website specially on AMAZON and FLIPKART . The customer service do proper follow up here . I got card on time .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      MY application was taken with ICICI BANK , i am holding this card for more than 5month . Benefits were reward points , cash back and so many, i am happy with the benefits here . The process of getting the card was good and customer service of this bank are very helpful .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      MY application was taken with ICICI BANK , i am using this card for past few year . I use this card for both online as well offline . I use to get proper mail and messages after transaction this is the best part . I use to get reward point as well cash back also .
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI BANK . They offered me a very low limit . It has got Cash back offers . Customer support is also good.I am holding this card for past few months and never had any issues with their services. Thee is no joining fee here with this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had taken this credit card almost ten years back and i had closed it since because of the higher interest rate with them. The services which they had provided has been fine and the credit limit with the card has also been good. The annual charges with this card has been reasonable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I am using this credit card for the last couple of months and the services of them has been pretty good. But the credit limit with the card was only around 18,000 which is very less. They had made a charge of 5000 for the over limit spend which is not that good. I just used the card for some purchases.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK the card has the satisfactory credit limit also the card is life time free card also it is user friendly with no issues with this credit card. They provide with the sufficient offers which is very good than others.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "GOOD CARD TO USE"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK they have offered the credit limit which is sufficient with this credit card. There are good offers with this card also there is a EMI conversion option with this card but not yet used it. The customer service is very good with this bank.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with ICICI Bank. It is a average experience as the credit limit is not enough. Like wise the rate of interest is high. They need to improvise on it when compared to the other banks. The customer support is good and they are responsive.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Best card to Hold"
      0.5 5.0/5 "Blown Away!"
      ICICI gives best experience, the interest rate is very reasonable, if in case they any charge also if I place the request, they immediately waive off, the credit limit is satisfactory. I am using this credit card more than 10 years, they keep enhancing the offers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have applied for ICICI Bank Credit Card directly with ICICI Bank.I have got free card .The credit limit is good and i got the credit limit is upto 30000.There was cashback offers and reward points as well.I will be getting mesage once do any transaction .I am using this credit card for the past 7 months only.I have ICICI Bank Paltinum Master card .The Overall service is good .
      Was this review helpful? 1
      , noida
      Reviewed on Mar 20, 2019
    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.