ICICI Platinum Chip Credit Card Review

Experience financial liberation with ICICI Platinum Chip Credit Card. Rewards, security, and savings await you. Learn more.

Tailored for the discerning spender who values both security and rewards, this credit card is more than just a payment tool; it’s a lifestyle companion. It caters to a wide range of needs, from routine grocery shopping to extravagant international travel, ensuring that every transaction is not only secure but also rewarding.

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ICICI Platinum Chip

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The card’s charm lies in its ability to blend seamlessly into your daily life. Whether you’re a professional managing business expenses, a family person juggling household purchases, or a travel enthusiast exploring the world, the ICICI Platinum Chip Credit Card adapts to your spending style.

Its widespread acceptance, both domestically and internationally, makes it a reliable partner in every wallet. With each swipe or tap, you’re not just spending; you’re also unlocking a world of benefits and rewards that enrich your financial experience.

Earning Rewards

The ICICI Bank Platinum Chip Credit Card offers a rewarding experience on your everyday spending. Here’s how you can earn rewards:

• Retail Transactions: Earn 2 Reward Points for every ₹100 spent on retail purchases, except for fuel transactions.
• Utility and Insurance Payments: Earn 1 Reward Point for every ₹100 spent on utility bill payments and insurance premium payments.

This program ensures that whether you’re shopping for essentials or paying bills, you’re always earning points toward exciting rewards.

Redeeming Rewards

Redeeming your accumulated reward points is simple and flexible through the ICICI Bank Rewards platform. Here’s what you can do:

1. Merchandise: Choose from a variety of lifestyle and household products.
2. Gift Vouchers: Redeem points for vouchers from leading brands for shopping, dining, or travel.
3. Experiences: Opt for curated experiences or additional lifestyle benefits.
4. Online Portal: Redeem your points directly through the ICICI Bank Internet Banking portal or the dedicated rewards section.

With the ICICI Bank Platinum Chip Credit Card, earning and redeeming rewards is seamless, making every transaction more valuable.

Benefits of ICICI Platinum Chip Credit Card

With its unique features and unbeatable rewards, this credit card truly stands out from the rest. 

• No annual fees: First and foremost, one of the most attractive aspects of the ICICI Platinum Chip Credit Card is that it comes with no annual fees. Unlike many other credit cards on the market, you can enjoy all the perks without worrying about any hidden charges or membership fees.
• Partners with PAYBACK – a multi-awarded reward programs in India: Additionally, being partners with PAYBACK, a highly acclaimed reward program in India, further enhances the value and variety of rewards available to cardholders.
• Security chip for anti-fraud: When it comes to security, the ICICI Platinum Chip Credit Card stands out with its embedded security chip. This chip provides an added layer of protection against fraudulent activities, ensuring peace of mind while making transactions.
• 1% fuel surcharge waiver: For those who frequently use their credit card for fuel purchases, this card offers a convenient 1% fuel surcharge waiver. This not only helps save money but also simplifies the process of refueling.
• Robust Security with Chip Technology Experience peace of mind with advanced chip technology that protects against fraud and unauthorized transactions. Each transaction is encrypted, ensuring your financial data remains secure.
• 15% dining discount from the ICICI Culinary Treat Program: Furthermore, the ICICI Platinum Chip Credit Card provides access to exclusive dining privileges through the ICICI Culinary Treat Program. Cardholders can avail a generous 15% discount at select partner restaurants, making dining out a delightful experience while enjoying significant savings.
• Supplementary Cards at No Extra Cost: Extend the benefits to your loved ones by availing supplementary cards without any additional charges, managing family expenses seamlessly.
• Redeeming Rewards: Redeem your accumulated reward points for a variety of options, including lifestyle products, travel vouchers, and more, through the ICICI Bank rewards catalog. The redemption process is straightforward, allowing you to enjoy the fruits of your spending effortlessly.
• Global Acceptance Use your card internationally with ease, as it’s accepted at millions of merchants worldwide, making it a reliable companion for your travels.
• Contactless Payment Convenience Benefit from built-in contactless technology that enables quick and secure payments at retail outlets, enhancing your shopping experience.

Qualification Requirements

To apply for the ICICI Bank Platinum Chip Credit Card, you must meet the following criteria:

• Existing Relationship: Having a fixed deposit with ICICI Bank can enhance eligibility.
• Age: Minimum 23 years.
• Occupation: Salaried or self-employed.
• Credit Score: A good credit history is preferred.

How to Apply

Applying for the ICICI Platinum Chip Credit Card is a simple and straightforward process:

• Online Application: Visit the ICICI Bank website and navigate to the Platinum Chip Credit Card page.
• Fill Application Form: Complete the online application form with accurate personal and financial details.
• Submit Documents: Upload necessary documents such as identity proof, address proof, and income proof.
• Verification: Await verification of your application and documents by the bank.
• Approval and Dispatch: Upon approval, your credit card will be dispatched to your registered address.

Frequently Asked Questions

What is the annual fee for this card?

The card comes with a nominal annual fee, often waived based on yearly spend.

Can I use this card internationally?

Yes, it’s globally accepted at all Visa merchant outlets.

How do I redeem PAYBACK points?

Points can be redeemed online through the PAYBACK portal or ICICI Bank’s website.

Is there a limit to the fuel surcharge waiver?

Yes, the waiver is applicable on transactions up to ₹4,000 at HPCL petrol pumps.

CREDIT CARD

ICICI Platinum Chip

NO ANNUAL FEES EXCLUSIVE PARTNERSHIP

easy to manage card with these exciting benefits

APPLY NOW You will be redirected