ICICI Platinum Credit Card Review – Whenever A New Individual wants a Good Features-Packed Credit Card But does not have a credit history and does not have much knowledge about credit cards then the ICICI platinum credit card could be a fantastic option to choose and get by a fully digital process.
it helps start And build your credit score and helps to maintain Your Cibil Score in between a Good to an Excellent Position. Moreover, the applicant does not need to pay any Annual or Joining Fee. This is one of the good Entry-Level Credit cards issued by ICICI Bank.
It is Reward Points Based Card for Users. its Reward Points follow the PAYBACK icici bank rewards program to earn and redeem each and every reward point into several options such as movie and travel vouchers to lifestyle products, mobiles, appliances, and more
When you Do Retail Shopping by using this card, It offers to earn 2 Reward Points on every ₹ 100 or Above purchases Excluding Fuel Spending. which makes this card one of the most popular Entry-level cards issued by ICICI Bank.
Furthermore, it offers Flat 1 Reward Points on every ₹100 purchase in selected categories like utilities and insurance categories
it comes with an embedded microchip to add an extra layer of Safety while you do transactions using the contactless payment method.
through this article, we are going to share with you a complete review of the ICICI Bank Platinum Credit Card. which helps to solve your queries like ICICI Bank Platinum Credit Card limit, benefits, offers, Free Lounge Access, And Additional Charges.
The benefits And Review of the ICICI Platinum Credit Card
Table of Content
- The benefits And Review of the ICICI Platinum Credit Card
- ICICI Platinum Credit Card Highlight Factors
- What Are The ICICI Platinum Credit Card Offers And Benefits
- Discounts And Cashback
- Short List of Card Features
- How to Use Reward Points Redemption
- What Are Card Charges and Fees
- What Are the Eligibility Criteria For Platinum Credit Card By ICICI Bank?
- FAQ
- Other Popular Credit Cards By Banks
ICICI Platinum Credit Card Highlight Factors

Points | Description |
---|---|
Card Type | Entry-Level Low-End Reward Points Based Card |
Best Suitable | Beginners, Want to Build Credit Score Applicants |
Card Benefits & Features | – Embedded microchip For Contactless Payments – Culinary Treats program, it offers 15% off on your dining bill from more than 2,500 partner restaurants in Popular 12 Cities in Inda – 1% fuel surcharge waiver – No Annual and Joining Fee is required |
Reward Points or Cashbacks | – 2 Reward Points on Each 100 or Above Shopping on All Retail Purchases. – Earn 1 Reward Point on Each ₹100 or Above Shopping on utilities and insurance categories. |
Contactless Payment | embedded microchip for all Contactless Transcations |
Renewal Offer | Lifetime Free Credit Card Specially Designed for Beginners Individuals |
What Are The ICICI Platinum Credit Card Offers And Benefits

This is A Fixed Deposit Based Credit card from ICICI Bank. it mainly focuses on beginners who want to build their credit score to start their journey and get more credit cards and loans from Banks And NBFC Authorities. For Get this card, you must have to do a Fixed Deposit (FD) of the minimum amount of 20,000 for at least 180 days. After that, the bank will decide your credit limit around 75% to 85%.
You can use the limit anywhere, online or offline, and get reward points on each spends. moreover, it supports all premium benefits such as –
- Contactless Payment Method
- 2 Reward Points on each Shopping on Retail Shopping
- Fuel Surcharge Waiver
- Culinary Treats
- EMI Facility
- Reward Points Redemption on multiple options
it could be an awesome Entry-level credit card for you to maintain your credit score and have a few savings As A Form of Fixed Deposit. Moreover, it offers reward points which you can redeem into movies, travel vouchers, Daily products, mobiles, appliances, and others by using PAYBACK Rewards Powered By ICICI Bank Reward Programme
Apart from that, it is a completely lifetime free of charges credit card, therefore the cardholder doesn’t need to pay any Annual membership fee and joining charges to apply and get the card.
However, you must have aged up to 23 years old to be fully eligible for the card.
Discounts And Cashback
Short List of Card Features
How to Use Reward Points Redemption
You can convert you’re every earned ICICI Reward Point into Vouchers, Movies, Travel, Appliances, Lifestyle Products, and Mobiles. you have to visit ICICI Bank Rewards by PACK BACK Website to redeem ICICI Reward Points into products, vouchers, and more.
What Are Card Charges and Fees
List of Charges | Overview |
---|---|
Welcome Benefits | Lifetime Free Card |
Annual Fees on The Card | No Charges |
First Year Fee | No Charges |
Joining Charges | No Charges |
Finance Fees(Interest) | 3.4% Per month Interest charges which will be (40.8% Yearly) |
Late Payment Fee | ₹100 to ₹1200 as per the remaining Payment |
Add-on cards | No Data |
Rewards redemption Value For Cashback | ICICI Reward Program By PAyBack |
What Are the Eligibility Criteria For Platinum Credit Card By ICICI Bank?
You must have an age upto 23 years to get the card. moreover, the individual must have a resident of India. As Already Said, it is a Fixed Deposit based card, therefore, both Salaried and Self-Employed are fully eligible to get the card. Bank will ask you few Identity, Addresses Govt Approved Documents to complete KYC.
The minimum FD Amount must be ₹20000 And At least 180 days of time of FD Timing.
Eligibility Criteria | Overview |
Only For | Salaried or Self-employed |
Your Age Must Be | 23 Years To Last 60 Years |
minimum FD Amount | ₹20000 |
Here is the list of Documents the ICICI bank may ask for –

FAQ
ICICI Bank Platinum Chip Credit Card is an entry-level Fixed Deposit card for users. it helps to start your credit score journey and get loans and new credit cards easily. it is one of the best Reward Points FD-based cards from ICICI Bank. it offers a Lifetime Free of annual and joining charges with multiple benefits.
This is the Toll-Free number of ICICI BANK of 1800 1080. you can use to get help and find your query solutions related to credit cards, loans, and more.
Other Popular Credit Cards By Banks
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