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

    Since the implementation of cashless transactions, credit card usage has significantly increased. But with them, paying the annual fee is a typical annoyance. Customers typically move to no annual charge credit cards or credit cards that are provided under the lifetime free program to get rid of them.

    Best ICICI Lifetime Free Credit Cards

    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 below either have no annual charges or the fee is reversible if you meet the card usage requirements as stated by the bank.

    Advantages of using ICICI 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.

    ICICI Instant Platinum Credit Card

    For those without salaries, the ICICI Instant Platinum Credit Card is a fantastic choice. This credit card is a great choice whether you are a stay-at-home parent, a student, or a first-time user. However, opening a Fixed Deposit account is the only prerequisite.

    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

    • You receive two reward points for every Rs. 100 spent. However, fuel is not included in this.
    • 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

    One of the simpler cards to apply for is the ICICI Bank HPCL Coral Credit Card, especially if you're a new user. On a quarterly basis, it grants one person free access to a domestic airport lounge in addition to other incentives. Typically, starter or basic credit cards don't provide the amenities that the ICICI Coral Card does.

    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 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.
    • With a minimum transaction of Rs.500, it offers a reward of up to Rs.100 on fuel purchases made at any HPCL gas station.
    • For every Rs.100 you spend on retail items, you receive 2 return points. Be aware that gasoline transactions are not included in this.

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

    Type of Fee Charge
    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

    A basic card aimed towards new users is the ICICI Chip Platinum Credit Card. It is intended to give clients more security, comfort, and flexibility. Payment gateways for MasterCard and VISA are both present on the credit card. This card offers numerous advantages whether you spend money on dining, travel, or shopping. However, fuel is not included in this.

    Features & Benefits of ICICI Bank Platinum Chip Credit Card

    • In the event that your ICICI Credit Card is lost outside of India, it provides global emergency support service. The card will be blocked as soon as this option is implemented, and you'll get a replacement card with some emergency funds.
    • The card can be used at any ATM in the world.
    • If you eat at one of the 2500 restaurants that are partners with it, you will receive a minimum 15% discount. The ICICI Culinary Treats Program allows access to this 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‚Äôs partner stores.

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

    Type of Fee Charge
    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 ICICI Lifetime Free 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: A bank representative will call you following the verification process to assist you with the following steps.

    FAQs on ICICI Lifetime Free Credit Cards

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

      If all of the information is accurate and you meet the requirements, the application is immediately approved. The credit card will arrive to you in 5-7 working days.

    2. 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 bank 24x7 customer care number and report it immediately. Upon doing this, the card is blocked instantly.

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

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

    4. Do the reward points expire?

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

      

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