ICICI Platinum Chip Credit Card Benefits, Fees & Eligibility

ICICI Platinum Chip Credit Card not only fulfills your financial needs but also makes your expenses safe and easy. This card is designed for those who want to take advantage of daily expenses like travel, shopping, and entertainment. If you use this card, you can avail various benefits and rewards, which will make your lifestyle even more comfortable and happy.

For those who want good financial security and convenience and want to get more rewards and cashback while spending, then the  ICICI Platinum Chip Credit Card can prove to be a good option. This card not only helps you in shopping but also provides you with a beautiful lifestyle with great services during travel, unique entertainment opportunities, and many other benefits.

Let’s read the features of this card completely and know what changes this card can bring to your life.

What is the  ICICI Platinum Chip Credit Card?

ICICI Platinum Chip Credit Card is a premium credit card offered by ICICI Bank. It is provided with a smart chip for greater security and offers many benefits, such as earning reward points on purchases, discounts on dining and shopping, cashback offers, and much more. It is designed to help you manage your everyday expenses while enjoying extra perks and rewards.

How is the design of the  ICICI Platinum Chip Credit Card?

The design of the  ICICI Platinum Chip Credit Card is stylish yet very friendly to users. The surface is smooth enough for comfort and ease of handling and usage. The card includes a chip on the side, while at the back, it has a magnetic strip that facilitates swiping through the card machine. All these details, namely the number of the card and the expiration date, along with the CVV code, are printed in an easy-to-read font.

Its simplistic yet classy color palette is generally a dark blue or silver tone which reflects a premium and class appeal to users who consider aesthetics as significant as functionality.

What are the benefits of the  ICICI Platinum Chip Credit Card?

Here are some of the key benefits:

1. Reward Points: You earn reward points on every purchase you make. These points can be redeemed for gifts, vouchers, or even discounts on future purchases.

2. Cashback Offers: You get special cashback offers on certain categories, like dining, shopping, and travel, helping you save money.

3. Fuel Surcharge Waiver: You can get a waiver on fuel surcharges at select petrol stations, so you save money when you refuel.

4. Travel Benefits: The card offers travel-related benefits like discounts on booking flights or hotels through specific partners.

5. Access to Offers: You can avail yourself of exclusive offers from partner brands, which include discounts on shopping, dining, and entertainment.

6. EMI Facility: Any large amount purchased can be turned into an EMI with simple monthly installments to pay in bits and chunks of time.

7. Security of Transactions: Equipped with more advanced features of security like EMV chips for safe transactions

8. No joining Fee: Annual joining fees in a few types are waived, keeping it cheap.

What are the fees for the  ICICI Platinum Chip Credit Card?

Here is a simple breakup of the  ICICI Platinum Chip Credit Card fees.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.40% per month (40% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Below Rs. 100: NilBetween Rs. 100 to Rs. 500: Rs. 100Between Rs. 501 to Rs. 5,000: Rs. 500Between Rs. 5,001 to Rs. 10,000: Rs. 750Between Rs. 10,001 to Rs. 25,000: Rs. 900Between Rs. 25,001 to Rs. 50,000: Rs. 1,000Above Rs. 50,000: Rs. 1,200

What are the criteria for getting an  ICICI Platinum Chip Credit Card?

The following are the primary requirements:

1. To apply for the  ICICI Platinum Chip Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs.1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for ICICI Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.

5. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an  ICICI Platinum Chip Credit Card?

The documents that you will have to submit to get an  ICICI Platinum Chip Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, ancient agreements, Bank statements, or passbooks with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the  ICICI Platinum Chip Credit Card be used?

Here is the list of places where you can use it:

• With the ICICI Platinum Chip Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  ICICI Platinum Chip Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  ICICI Platinum Chip Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the  ICICI Platinum Chip Credit Card?

The credit amount you can spend is what you are provided with a Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an  ICICI Platinum Chip Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the ICICI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by ICICI Bank; for instance, you can choose the  ICICI Platinum Chip Credit Card.

• Just hover your cursor on the  ICICI Platinum Chip Credit Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest ICICI Bank branch to apply for the  ICICI Platinum Chip Credit Card.

• Request for the credit card application form of the  ICICI Platinum Chip Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the ICICI Bank Card website, or mobile app or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an  ICICI Platinum Chip Credit Card in 2025 be right?

Yes, getting a Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

ICICI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Overall, the ICICI Platinum Chip Credit Card is a good choice for customers as it makes your daily expenses easier and also offers many benefits and rewards. This card is better for those who value financial security and convenience and want to get more return on their spending.

With this card, you can get cashback and rewards while shopping and traveling, as well as take advantage of additional features like insurance coverage and fuel surcharge waiver.  ICICI Platinum Chip Credit Card is a tool to improve your lifestyle, allowing you to control your expenses wisely.

 ICICI Platinum Chip Credit Card is a good choice if you want to get the most benefits and protection. Looking at the features and benefits, this card is a good credit card that can make your financial life easier. To get more information watch youtube videos.

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