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Get up to 2X rewards with this easy-to-manage, lifetime-free lifestyle credit card.
Last updated on: February 05, 2026
Here’s why this lifestyle credit card is an ideal pick:
Joining Fee |
Nil |
Annual Fee |
Nil |
Suitable for |
Rewards on shopping and utility payments |
Key Feature |
2 reward points on every ₹100 spent on retail purchases |
Fuel Surcharge Waiver |
Avoid 1% fuel surcharge on fuel bills at HPCL pumps |
Enjoy 2 reward points on every ₹100 spent on retail purchases through the card, except on fuel expenses
Earn 1 reward point on paying utility and insurance bills using this credit card
Avoid paying additional surcharge on fuel bills at HPCL pumps on spends of up to ₹4,000
Get great offers from luxury hotels, restaurants, spas, and more as a VISA cardholder
ICICI Bank’s Rewards Program gives you an easy way to earn and redeem points. Using this credit card, you can earn points on shopping, electricity bill payment, or big-ticket purchases. Once you have collected points, you can redeem them for exciting gifts and vouchers on the rewards portal.
Here is how the rewards program works for the ICICI Bank Platinum Chip Credit Card:
You get 2X reward points on every ₹100 spent on retail category, excluding fuel transactions
You get 1 reward point on every ₹100 spent on utility and insurance payments
Here is an example:
| Purchase (Monthly) | Amount | Reward Points | Value in ₹ |
|---|---|---|---|
Dining Out |
₹2,000 |
40 |
10 |
Health Insurance Premium |
₹4,000 |
40 |
10 |
Disclaimer: The above example is for illustration purposes only.
Access your credit card account through the ICICI Bank website or the mobile app to initiate redemption. The redemption fee is ₹99 each time you redeem your points.
ICICI Bank reward points lapse 36 months after you earn them, post which you cannot redeem them any more. Here, 1 reward point is valued at ₹0.25.
Referencing the examples used above, here is a look at what your annual expenses and savings could look like:
| Category | Details | Conversion | Cash Value (₹) |
|---|---|---|---|
Dining Out |
Assuming spends 24,000 p.a./ 2,000 p.m. |
Reward Points = 480 2X(24,000/100) |
120 |
Health Insurance |
Assuming spends 48,000 p.a./ 4,000 p.m. |
Reward Points = 480 (48,000/100) |
120 |
Fuel Surcharge Waiver on Refills |
Assuming spends 12,000 p.a./ 1,000 p.m. |
1% x 12,000 = ₹120 |
120 |
Total Annual Savings |
|
960 |
360 |
Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.
This example demonstrates that if you earn 960 rewards in a year, you can save ₹240 on your transactions. Additionally, you can eliminate the surcharge on fuel bills, saving another ₹120 as per the example. Your actual savings will depend on how you use your card.
Here are the notable charges applicable to this card based on your usage:
| Fee Type | Details |
|---|---|
Joining Fee |
NIL |
Annual Fee |
NIL |
Reward Redemption Fee |
₹99 |
Cash Advance Fee |
2.50% of the withdrawn amount or ₹500, whichever is higher |
Interest Charges |
3.40% per month (40.80% p.a.) |
Minimum Amount Due |
5% of the outstanding balance |
Late Payment Fee |
Can go up to ₹1,200 based on the outstanding amount |
Foreign Transaction Fee |
3.50% of the transaction amount |
Note: A GST of 18% is applicable on all the charges mentioned above.
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
When you withdraw your Fixed Deposit before its maturity, the interest is typically recalculated. As a result, you may have to lose out on a portion of the interest that would have been earned had the deposit remained intact until maturity.
For instance, if you decide to withdraw your FD of ₹1 Lakh after 3 years, the following may apply:
Revised Interest Rate: Typically, a 1% penalty may apply, reducing the interest rate from 8% p.a. to 7% p.a.
Adjusted Interest Earned: The interest earned would be ₹22,504 at 7% p.a. for 3 years
Final Amount Received: ₹1,22,504 (Principal ₹1,00,000 + Adjusted Interest ₹22,504)
This example demonstrates how you can estimate your returns and see the
Go through the ICICI Bank Platinum Chip Credit Card’s eligibility criteria to know if you qualify for it. You need to be:
An Indian citizen
Self-employed: 21 to 65 years old
Salaried: 21 to 58 years old
Earning at least ₹2.4 Lakhs in a year if you have a salary account with ICICI Bank; ₹3.6 Lakhs if not
Earning at least ₹3.6 Lakhs annually if you are self-employed and hold an ICICI Bank Savings Account; ₹4.8 Lakhs if not
Here is the list of documents you must keep ready before applying icici platinum chip credit card
Address Proof:
Passport
Utility bills (not older than 3 months)
Ration card
Identity Proof:
PAN card
Voter’s ID
Aadhaar card
Driving licence
Income Proof:
6 months’ bank statement
Salary slips (past 3 months)
Form 16 or audited financials for the last 2 years (if self-employed)
To get the ICICI Bank Platinum Chip Credit Card, Apply Credit Card Online on Bajaj Markets Go through the steps detailed below to know how to apply:
Click on ‘Check Eligibility’ and fill in the required details, including your date of birth, mobile number, and profession
Fill in the One-Time Password (OTP) received on your number
Verify the pre-filled details like your PIN code, email ID, PAN number, and income information
Apply for the card that matches your needs from the available options
Click on ‘Submit’ to complete your application
In case of any queries, contact ICICI Bank's customer service team via phone or email:
Call the 24/7 helpline at 1800 1080 (toll-free)
impact of premature withdrawal of FD using the calculator on Bajaj Markets, tailored to your user type.
You can also compare icici platinum chip credit card with other cards from the same issuer:
| Card Name | Cashback | Complimentary Airport Lounge Access | Fuel Surcharge Waiver | 10X Reward Points |
|---|---|---|---|---|
ICICI Bank Platinum Chip Credit Card |
❌ |
❌ |
✅ |
❌ |
ICICI Bank Manchester United Signature Credit Card |
❌ |
✅ |
✅ |
❌ |
ICICI Bank HPCL Super Saver Credit Card |
✅ |
✅ |
✅ |
❌ |
ICICI Bank Coral Credit Card |
❌ |
✅ |
✅ |
❌ |
ICICI Expressions Credit Card |
❌ |
❌ |
✅ |
❌ |
ICICI MMT Platinum Credit Card |
❌ |
✅ |
✅ |
❌ |
ICICI MMT Signature Credit Card |
✅ |
❌ |
✅ |
❌ |
ICICI Bank Manchester United Platinum Credit Card |
❌ |
✅ |
✅ |
❌ |
Disclaimer: The benefits mentioned are subject to change as per the policies of ICICI Bank. Check them before you apply for a specific card.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
Reviewer
There are no airport lounge benefits not available with the Platinum Chip Credit Card.
The ICICI Bank Platinum Chip Credit Card is a lifetime-free credit card with no joining fees or annual fees.
For the Platinum Chip Credit Card, fuel as a category is not eligible for reward points. However, you can get a waiver of 1% on fuel surcharge.
No, the ICICI Bank Platinum Chip Credit Card is a basic credit card. It is especially suitable for beginners who are handling credit for the first time.
The 1% fuel surcharge waiver benefit is available only for refills at HPCL pumps. It is applicable on transactions of up to ₹4,000 when you pay via ICICI Bank Merchant Services swipe machines.
The interest rate on cash advances is 2.50% of the withdrawn amount or ₹500, whichever is higher.
You will incur 3.40% of interest per month on both outstanding balances and cash withdrawals on this card.
There are no fees charged for add-on credit cards for ICICI Bank Platinum Chip Credit Card holders.
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