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  • ICICI Lifetime Free Credit Card

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  • Ever since cashless payments have been initiated, the use of credit cards has substantially increased. But a common nuisance with them is paying the annual fee. To get rid of them, customers usually switch to no annual fee credit cards or credit cards that are offered under the lifetime free scheme.

    Though there are many issuers offering such credit cards, this article focuses on the ones that are offered by the ICICI Bank.

    Currently, ICICI offers three credit cards under the lifetime free scheme:

    • ICICI Instant Platinum Credit Card
    • ICICI Bank HPCL Coral Credit Card
    • ICICI Chip Platinum Credit Card

    Note: The zero fee credit cards listed above either have no annual charges or the fee is reversible if you meet the card usage requirements as stated by the bank.

    List of ICICI Lifetime Free Credit Cards

    Let’s see each of these credit cards in detail.

    ICICI Instant Platinum Credit Card

    The ICICI Instant Platinum Credit Card is an excellent option for non-salaried individuals. Whether you are a homemaker, student, or a first-time user, this credit card is an ideal pick. However, the only mandatory requirement is to make an FD (Fixed Deposit).

    Features & Benefits of Lifetime Free ICICI Instant Platinum Credit Card

    • It offers an assured credit card at zero annual fees without any income documents, given that you make a fixed deposit with the ICICI Bank.
    • It offers global emergency support service and card replacement assistance.
    • It offers about 15% savings via ICICI Culinary Treats Program.
    • It offers up to Rs.100 off on any movie ticket that is booked via BookMyShow.

    Rewards of of Lifetime Free ICICI Instant Platinum Credit Card

    • For every Rs.100 that you spend, you earn 2 reward points. However, this does not include fuel.
    • The accumulated reward points can be redeemed for amazing gifts.
    • It offers 1% fuel surcharge waiver, provided that the transaction is up to Rs.4000 and is done only at an HPCL petrol pump.

    Fees and Charges of Lifetime Free ICICI Instant Platinum Credit Card

    Type of Fee Charge
    Annual fee Nil
    Renewal fee Nil
    Add-on card charges Nil
    Cash advance fee 2.49% a month (29.88% per annum)
    FTF (Foreign Transaction Fee) 3.5% of the transaction amount
    Interest rate 2.49% every month
    Fee for redeeming the reward points Rs.99
    Over-limit fee 2.5% of the total over-limit amount (Rs.500 minimum)
    Cheque return penalty fee 2% of the total amount (Rs.450 minimum)
    Fee for requesting a duplicate statement Rs.100
    Fee for card replacement Rs.100
    Cash/cheque pickup fee Rs.100 for every pickup
    Late payment charges
    • If the credit card bill is up to Rs.100, there are no penalties.
    • If the bill amount is from Rs.100 to Rs.500, the penalty is Rs.100.
    • If the bill amount is from Rs.501 to Rs.10,000, the penalty is Rs.500.
    • If the bill amount exceeds Rs.10,000, the penalty is Rs.750.

    ICICI Bank HPCL Coral Credit Card

    The ICICI Bank HPCL Coral Credit Card is one of the basic cards to avail for, especially if you are a first-time user. It offers one complimentary lounge access at domestic airports on a quarterly basis and other additional discounts. Usually, beginner/basic credit cards do not offer the kind of facilities the ICICI Coral Card offers.

    Features & Benefits of lifetime free ICICI Bank HPCL Coral Credit Card

    • It offers Rs.100 off on any movie ticket that is booked through BookMyShow. This offer can be availed two times a month.
    • It helps you save at least 15% on dining bills at any of their partner restaurants. This scheme can be availed via the ICICI Bank Culinary Treat Program.
    • It comes with an inbuilt microchip for additional security.
    • It offers an interest-free (or grace) period of 18 - 48 days.

    Rewards of lifetime free ICICI Bank HPCL Coral Credit Card

    • It offers 1% fuel surcharge waiver on a maximum transaction of Rs.4000 but only at an HPCL petrol pump.
    • It offers a cashback up to Rs.100 on fuel purchases made at any HPCL petrol pump, given that the minimum transaction amount is Rs.500.
    • It offers 2 payback points for Rs.100 that you spend on retail purchases. Note that this doesn’t include fuel transactions.

    Fees and Charges of lifetime free ICICI Bank HPCL Coral Credit Card

    Type of Fee Charges
    Annual fee Rs.199 and is reversible if you spend Rs.50,000 or more in the course year
    Joining fee Rs.199 + GST
    Add-on card charges Nil
    Cash advance fee 2.5% of the advance amount, which is subject to a minimum of Rs.300
    Over-limit charge 2.5% of the over-limit amount, which is subject to a minimum of Rs.500
    Cheque return fee 2% of the transacting amount, which is subject to a minimum of Rs.450
    Auto-debit return charge 2% of the transacting amount, which is subject to a minimum of Rs.450
    Cash payment fee Rs.100 at any ICICI branch
    Processing fee for an outstanding cheque 1% of the actual cheque value, which is subject to a minimum of Rs.100
    Jetprivilege Miles Capping fee Rs.7,500
    Cheque/cash pickup fee Rs.100 for each pickup
    Fee for requesting a duplicate statement Rs.100
    Fee for requesting a charge slip Rs.100 each
    FTF (Foreign Transaction Fee) Rs.3.5%
    Late payment charges
    • If the credit card bill is within Rs.99, there are no penalties.
    • If the bill amount is from Rs.100 to Rs.500, the penalty is Rs.100.
    • If the bill amount is from Rs.501 to Rs.10,000, the penalty is Rs.500.
    • If the bill amount exceeds Rs.10,000, the penalty is Rs.750.

    ICICI Bank Platinum Chip Credit Card

    The ICICI Chip Platinum Credit Card is a basic card, which targets the beginners. It is designed to provide extra security, convenience, and flexibility to the customers. The credit card includes both MasterCard & VISA payment gateways. Whether you are spending on dining, traveling, or shopping, this card offers multiple benefits. However, this does not include fuel.

    Features & Benefits of lifetime free ICICI Bank Platinum Chip Credit Card

    • It offers Global Emergency Support Service if you lose the credit card outside India. Once this option is activated, the card will be blocked and you will receive a new card with some emergency funds.
    • The card can be used at any ATM in the world.
    • It offers a minimum of 15% discount if you dine at any of their 2500 partner restaurants. This scheme can be availed via ICICI Culinary Treats Program.
    • It offers 1% fuel surcharge waiver, given that the transaction amount is up to Rs.4000 and is only done at an HPCL petrol pump.

    Rewards of lifetime free ICICI Bank Platinum Chip Credit Card

    • It helps you earn 2 payback points for Rs.100 that you spend on retail purchases.
    • The collected reward points can be easily redeemed for striking products or gift vouchers at any of the ICICI’s partner stores.

    Fees and Charges of lifetime free ICICI Bank Platinum Chip Credit Card

    Type of Fee Charges
    Joining fee Rs.199 + GST
    Annual fee for the subsequent year Rs.99. It can be reversed if you spend Rs.50,000 or more in the previous year
    Add-on card charges Nil
    Interest rate 3.4% per month
    Cash advance fee 2.5% of the advance amount, which is subject to a minimum of Rs.300
    Overdue interest rate on the extended credit 3.4% each month (40.8% per annum)
    Over-limit fee 2.5% of the over-limit amount, which is subject to a minimum of Rs.500
    Fee for cheque return 2% of the transacting amount, which is subject to a minimum of Rs.450
    Auto-debit return charge 2% of the transacting amount, which is subject to a minimum of Rs.450
    Cash/cheque pickup fee Rs.100 for each pickup
    Cash payment charge Rs.100 at any ICICI branch
    Processing fee for an outstanding cheque 1% of the actual cheque value, which is subject to a minimum of Rs.100
    Foreign Transaction Fee (FTF) 3.5% of the total transaction amount
    Late payment charges
    • If the credit card bill amount is within Rs.99, there are no penalties.
    • If the bill amount is between Rs.100 and Rs.500, the penalty is Rs.100.
    • If the bill amount is between Rs.501 and Rs.10,000, the penalty is Rs.500.
    • If the bill amount is above Rs.10,000, the penalty is Rs.750.

    How To Apply lifetime free ICICI Credit Cards Online?

    • Step 1: Go to the official website of ICICI bank. (https://www.icicibank.com/card/credit-cards/credit-card.page)
    • Step 2: Select Products > Cards > Credit Cards from the menu.
    • Step 3: From the listed credit cards, choose the one suiting your lifestyle needs. Click on Apply Now.
    • Step 4: Fill all the details and click submit.
    • Step 5: Once the verification process, a bank representative will call you and help you with the further process.

    Important FAQS On The Lifetime Free Credit Cards Offered By ICICI Bank

    1. What are the advantages of using lifetime free credit cards?

    • The annual fee is not only low but also reversible.
    • The card is secured and safe to use.
    • There are payback rewards.
    • There is a waiver on fuel surcharge.
    • There are offers on dining.

    2. How long does it take to receive the credit card?

    If the details entered are correct and you meet the eligibility criteria, the application is approved instantly. You will receive the credit card in 5-7 working days.

    3. What should you do if your card is stolen or lost or damaged?

    If the card is lost or stolen, you need to call the ICICI customer support and report it immediately. Upon doing this, the card is blocked instantly.

    4. Can you reapply for the credit card if it is lost?

    Yes, you can request for a fresh card at the time of reporting.

    5. Do the reward points expire?

    Yes. The accrued reward points expire if they are not redeemed in the given period.

    Conclusion

    The idea behind the lifetime free scheme is to attract new customers. At times, the offer period is limited. Hence, it is important to read the terms, conditions, and other policies frequently so that changes made by the issuer can be kept in mind.

      

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    ICICI Lifetime Free Credit Card Reviews

    • ICICI Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI BANK credit card recently and its good. The credit limit is very very less only and it would be appreciable if they can increase my limit so that I can use this card frequently. The annual fee is not applicable. There is no hidden charges and the payment mode is easier.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 16, 2019
    • ICICI Bank
      ICICI Bank Credit Card
      "Need to provide more offers "
      0.5 3.0/5 "Satisfactory"
      I am using ICICI platinum credit card for more than a year which was processed through a bank directly. It is a life time free credit card. The credit limit is sufficient before, easy to do pay for an online usage and EMI option was applicable. I use for shopping, movie purposes. In this card there is no much offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 15, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI bank coral credit card for more than 2 years where they given for a low limit of 35 thousands till not enhanced for further. It is a life time free credit card. EMI option was applicable and charges are nominal. I use for fuel and shopping purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 14, 2019
    • ICICI Bank Credit Card
      "Very Friendly card"
      0.5 4.0/5 "Great!"
      ICICI bank credit card is linked with my salary account hence they have provided me a zero annual fee credit card. I am getting the benefits of ticket booking, cashbacks and others. They have a rewards points system of paybcks which i can convert into cash.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 14, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank customer service is available on 24/7 days, I am using this ICICI bank credit card from past three years, EMI option are available its an life time free credit card, credit limit is good, cash back offer and movie ticket offers are good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 13, 2019
    • 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? 2
      , surat
      Reviewed on Sep 13, 2019
    • 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
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