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ICICI Platinum Chip Credit Card Review

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

ICICI Platinum Chip Credit Card
Source: ICICI Platinum Chip Credit Card

In an era where digital transactions have become the backbone of our daily financial activities, the ICICI Platinum Chip Credit Card emerges as a beacon of convenience and security. 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.

ICICI Platinum Chip Credit Card
ICICI Platinum Chip
easy to manage card with these exciting benefits

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.

What is ICICI Platinum Chip Credit Card?

The ICICI Platinum Chip Credit Card is a valuable financial tool that offers numerous benefits to its users. This credit card is specifically designed to provide convenience, security, and rewards to cardholders. 

One of the standout features of the ICICI Platinum Chip Credit Card is its embedded microchip technology. This chip ensures enhanced security for every transaction made with the card. The advanced chip technology provides an additional layer of protection against fraudulent activities, making it significantly safer than traditional magnetic strip cards. With this card, users can enjoy a wide range of benefits and privileges.

To top it off, ICICI Bank offers excellent customer service and support to address any queries or concerns cardholders may have. Their dedicated helpline ensures a seamless experience for all users.

Benefits of ICICI Platinum Chip Credit Card

ICICI Platinum Chip Credit Card
Source: 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.

  • 2 PAYBACK points for every INR 100 spent

These points can be redeemed for a wide range of exciting rewards, making every purchase that much more rewarding.

  • 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.

  • 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.

Qualification Requirements

To be eligible for the ICICI Platinum Chip Credit Card, applicants must meet certain criteria. The primary requirements include being at least 23 years old (for primary cardholders) and 18 years old (for add-on cardholders), having a stable source of income, and possessing a satisfactory credit history. Specific income requirements may vary, and it’s recommended to check the latest criteria on ICICI Bank’s website or by contacting their customer service.

How to Apply

Applying for the ICICI Platinum Chip Credit Card is a simple and straightforward process, designed to integrate seamlessly into your busy schedule. The first step involves visiting the ICICI Bank website, where you can access the application form. This online form requires you to fill in your personal and financial details accurately. Alternatively, if you prefer a more personal touch, you can visit any ICICI Bank branch to complete the application process. The face-to-face interaction can be particularly helpful if you have specific questions or need assistance with the application.

Once your application is submitted, the next phase is the documentation. This step is crucial for verifying your identity and financial standing. You’ll need to provide standard documents like identity proof, address proof, and income statements. These documents can be uploaded online or submitted at a branch. After your application and documents are reviewed and approved, ICICI Bank will issue your Platinum Chip Credit Card. It will be dispatched to your registered address, ready to be activated and used, ushering you into a world of convenience and rewards.

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, there’s a monthly cap on the

ICICI Platinum Chip Credit Card
ICICI Platinum Chip
easy to manage card with these exciting benefits

Written By

Formado em direito Especialista em economia, investimento e finanças pessoal. Seu foco é mudar a vida financeira das pessoas.