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ICICI BankLifetime FreeFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2 Reward Points per Rs. 100 retail spend; 1 Reward Point per Rs. 100 on utilities & insurance
1 Reward Point = Rs. 0.25. Redemption fee ₹99 + GST per redemption request.
The privileges that come bundled in, beyond the reward points.
Zero annual fee (lifetime free)
2 Reward Points per Rs. 100 retail spend
1 Reward Point per Rs. 100 on utilities & insurance
Up to 15% discount on dining through Culinary Treats Programme
1% fuel surcharge waiver at HPCL pumps (max ₹4,000 per transaction)
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of ICICI Bank are often approved on slightly lower scores.
Everything you need to know about ICICI Bank Platinum Chip Credit Card fees, reward conversion, lounge access, and application eligibility.
The joining fee for ICICI Bank Platinum Chip Credit Card is nominal, and the annual renewal fee is Lifetime Free (₹0). Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for ICICI Bank Platinum Chip Credit Card from ICICI Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
ICICI Bank Platinum Chip Credit Card is designed to reward everyday spends. It currently features: "Not verified from configured sources". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via ICICI Bank's rewards portal.
ICICI Bank Platinum Chip Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.
You can apply for ICICI Bank Platinum Chip Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
