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Last updated: 01-06-2026
ICICI Bank Platinum Chip Credit Card
ICICI Bank

ICICI Bank Platinum Chip Credit Card

"ICICI's most basic entry card โ€” lifetime free with 2 reward points per โ‚น100, fuel surcharge waiver and movie discounts; ideal credit-building starter card"

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Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free (on select offers)
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free on select offers; โ‚น199 on direct application (verify current offer)
๐ŸŽฏ Best Suited For
First-time credit card users and students who want the easiest ICICI card to get; those building credit history with zero cost
๐ŸŽ Reward Type
ICICI Reward Points (1 RP = โ‚น0.25; redeemable for vouchers, products)
๐ŸŽ‰ Welcome Benefit
Check current welcome offer on ICICI Bank website
๐Ÿ’ฐ Reward Rate
2 RPs per โ‚น100 on all eligible retail spends (0.5% effective); 1 RP per โ‚น100 on utility and insurance; excludes fuel, EMI, cash, government, rent
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
โญ Rate this Card
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โœ… Pros
  • Lifetime free on select offers โ€” zero cost
  • Most accessible ICICI card (lowest income and CIBIL requirements)
  • BOGO movies via BookMyShow
  • 15% off at 2,500+ restaurants
  • Fuel surcharge waiver
  • Good credit-building starter card
โŒ Cons
  • Very basic reward rate 0.5%
  • No lounge access
  • High forex markup 3.5%
  • No dining or travel benefits beyond movie discount
  • Strictly entry-level โ€” upgrade to Coral recommended after 6 months

๐ŸŽ Rewards & Benefits

Reward Type
ICICI Reward Points (1 RP = โ‚น0.25; redeemable for vouchers, products)
Welcome Benefits
Check current welcome offer on ICICI Bank website
Reward Rate
2 RPs per โ‚น100 on all eligible retail spends (0.5% effective); 1 RP per โ‚น100 on utility and insurance; excludes fuel, EMI, cash, government, rent
Reward Redemption
ICICI rewards portal: vouchers, merchandise, travel; 1 RP = โ‚น0.25
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น400 to โ‚น4,000; maximum โ‚น100 per month
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Not applicable โ€” lifetime free on select offers
Milestone Benefits
No specific milestone benefits
Other Benefits
Buy 1 Get 1 on movie tickets via BookMyShow (on โ‚น5,000 quarterly spend); 15% off at 2,500+ restaurants via ICICI Culinary Treats; fuel surcharge waiver; contactless payments; Easy EMI; lowest eligibility requirements among ICICI cards

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero card liability on timely reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
BOGO movies on โ‚น5K quarterly spend; ICICI Culinary Treats 15% off; fuel surcharge waiver

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free (on select offers)
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free on select offers; โ‚น199 on direct application (verify current offer)
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.4% per month (40.8% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per ICICI Bank prevailing slab
Over Limit Charges
As per ICICI Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Very basic card โ€” minimal benefits; best used as stepping stone to Coral or Rubyx; verify current LTF offer on ICICI website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18+ years; salaried or self-employed; Indian resident; minimum monthly income โ‚น12,000 to โ‚น15,000; CIBIL 600+
Credit Score Requirement
600+ CIBIL โ€” most accessible ICICI card
Credit Limit
Typically โ‚น15,000 to โ‚น1 lakh

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Easy EMI on transactions above โ‚น3,000
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per ICICI Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via ICICI iMobile app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 200 3344 (24x7)
Chat / Email Support
Chat via ICICI iMobile app
Mobile App
ICICI iMobile
Online Banking
ICICI Bank NetBanking

Last updated: 01-06-2026

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Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:33 PM
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