Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • ICICI Lifetime Free Credit Card

    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.

    ICICI Lifetime Free Credit Card Reviews

    • ICICI Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card more than one year, there was no limit enhancement. Anyway its enough for me, I used to get reward points and also the cash back on the spends. The customer support is good in ICICI, they resolving the queries on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding ICICI bank credit card for long time,They have not charged me annual fee in this card, as it is life time free credit card,and i am happy with the credit limit which they have given me in this card,and even they use to give good offers.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been holding ICICI bank credit card for long time,I am not happy with their service,as their service is not up to the mark,and even they have charged me annual fee in this card,but waived off option available in this card ,and i am not happy with the credit limit which they have given me in this card,and even i am not happy with their offers.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      customer service provided is very good and their response is good and I am happy with ICICI bank.I got ICICI bank credit card approx four years and I am satisfied with credit limit and in this card cash back offer available this is life time free card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have this card and their customer service provided is good and response is properly and I am happy with ICICI bank I am using multipurpose last six years. I am satisfied ICICI bank credit card limit this this life time free and cash back offer in this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have ICICI bank credit card and I am using last three month approx this is life time free card and not much cash back offer in this card , I am not satisfied with credit limit but customer service is provided is good and their response is good . ;.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      There is joining fee at the time of getting the card . Customer support is good they resolve all the query all time . I bought the ICICI BANK Card . Their response are very good. The service part is also very welcoming. Their reward points system is also good. Overall I am really happy about the card and the application process.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      There is joining fee at the time of getting the card . Customer support is good they resolve all the query all time . I bought the ICICI BANK Card . Their response are very good. The service part is also very welcoming. Their reward points system is also good. Overall I am really happy about the card and the application process.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI BANK . They offered me ICICI PLATINUM Credit card . They provide me low credit limit and there is no joining fee with this card . I use this card for multipurpose . Only 1 day back i got this card so i cannot comment much on this card .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am not satisfied with ICICI bank credit card so far,They have not increase my credit limit so far,as i have been using this card for more than two years,and they have charged me minimal amount of annual fee,but waived off option is available in this bank.but their service is not up to the mark.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Need an improvement"
      0.5 1.0/5 "Really Bad"
      I have applied my credit card with ICICI then called me and requested for documents. And they asked for salary account, I have informed that I will be getting through cash hence they have cancelled the card. They need to improve the service. Actually I have applied for Platinum card because of good offers and annual charge is low.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am happy with the services of ICICI BANK . They also offered me a fair limit. Their customer support is also good. I make payments online which is convenient for me and never had any issues with their services. I am using this card for past 5 year and they are keep on upgrading my limit .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I am holding the credit card with the ICICI BANK but i am not satisfied with the charges applicable with this card as once i have withdrawn 10K twice with this loan they have charges one thousand rupees with this card. the credit limit is good with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have got the ICICI Bank Credit Card since have Salary account.The Credit limit was good and the credit limit was three times of my salary .The credit card received on time .I have not faced any issues on submitting the documents as well .There was cashback offers and reward points as well .This card is used for travelling purpose it is purely Make my trip card .The Overall Service is Good .
      Was this review helpful? 0
      , greater noida
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and there are good deals on the card. The customer services and response is good and there are no issues with the bank. There is a good credit limit as well. It has been a hassle free experience overall for me.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have directly applied for ICICI bank for the Credit Card.The credit limit is good and i have got the credit limit is upto 50000.The agent clealry explained the process of the Credit Card .I have received the Credit card on time .It is a platinum visa card it is having good cashback offers and the reward points are good .Even getting cashback offers for fuels as well .The Overall Service is Good .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding ICICI bank coral visa card for long time,the reason for choosing this bank credit card is that, i was existing account holder of this bank,so they have offered me for credit card so i have applied,but they have charged me annual fee in this card,but waived off option available i think,i am not happy with their offers it is basic card so they do not give much offers.
      Was this review helpful? 0
      , nellore
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am using the credit card of ICICI BANK where it is a good card added on that the card is user friendly also it is convenient card to access. The credit limit with this card is good as the movie ticket offers also there is a lounge facility offers with this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Should be transparent on the information"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card from three years but there was no enhancement in the limit, they should increase the limit. I have accumulated few points, yet to convert the point into cash back but I am not aware of the options. The customer support is good but they won't disclose all the terms and condition its lacking from their end.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Lot of flexibility"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI BANK CORAL CARD more than 1 month. I am getting more rewards in this card and i am getting some LENS-CART vouchers. Credit limit is not sufficient for me they given only Rs. 70000 need more credit limit. Customer service is really good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 25, 2019
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