ICICI Bank Platinum Chip Credit Card

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ICICI Bank Platinum Chip Credit Card

ICICI Bank Platinum Chip Credit Card Features 

ICICI Bank Platinum Chip credit cards come with countless benefits that make spending more rewarding for the cardholders. Here are some of the features that come with a Platinum Chip Visa Card, making it the best of its kind.

  • For every Rs.100 spent on retail spends except fuel, cardholders earn 2 PAYBACK points. PAYBACK points can be redeemed against a variety of reward options.
  • The embedded microchip in the card provides complete security against fraudulent transactions, counterfeiting, and card duplication. Also, the ICICI Platinum chip card comes with an additional authentication level involving the PIN number.
  • A 2.5% fuel surcharge waiver is provided for all fuel transactions not exceeding Rs.4000 at HPCL pumps.
  • With the VISA branding, cardholders are eligible for exclusive delights like dining deals from luxury hotels, discounts at lifestyle stores, and spas. Also, get to enjoy Global Emergency Assistance Service for reporting a lost card and for emergency card replacement.
  • Through the ICICI Culinary Treat program, cardholders can save a minimum of 15% on dining at all participating restaurants.
  • When Rs. 50,000 or more is spent using the card annually, the annual fee for the subsequent year will be waived off.

ICICI Bank Platinum Chip Credit Card Eligibility Criteria 

ICICI Bank Platinum Chip Credit Cards requires a minimum monthly income of ₹ 15,000 or above is to be eligible for Platinum Chip Credit Card.

Eligibility Criteria


Minimum Age 21 Years
Maximum Age 65 Years
Minimum Annual Income 15,000

Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune

Residential Criteria The applicant should be a resident of India

ICICI Bank Platinum Chip Credit Card Documentation

Identity Proof  Address Proof Income Proof
  • Passport
  • Voter ID
  • Driving license,
  • Aadhaar card
  • PAN card
  • Recent telephone bills
  • Electricity bills
  • Passport
  • Voter ID
  • Recent IT Returns
  • Salary slips
  • last six months bank account statements showing salary credit

Fees and Charges 


Fees and Charges

Joining Fee Nil
Annual Fee Nil
Cash Advance Transaction Fee 2.50% of the amount/ Min. Rs. 300
Reward Redemption Fee Rs. 99
Finance Charges 3.40% per month / 40.80% p.a.
Overlimit Charges 2.50% of the over-limit amount/Min. Rs. 500

Rewards Points programs 

  • Minimum 15% savings on dining at over 800 restaurants courtesy of our Culinary Treats program
  • ₹100 = 2 PAYBACK Points (Except Fuel)
  • ₹100 = 1 PAYBACK Point (on utilities and insurance categories)
  • Save up to ₹12263 on an Annual Spend of ₹4 Lakh

ICICI Bank Platinum Chip Credit Card Limit

  • Cash Advance Limit Up to 80% of Credit Limit ( Max. 12K / day & 15K / day for Gold & Platinum Cards )
  • Free Credit Period 



How to apply for ICICI Bank Platinum Chip Credit Card?

You can easily apply for ICICI Bank Platinum Chip Credit Cards through Dialabank. Follow the following steps and get your credit card easily.

  • First, visit the Dialabank website.
  • Select ICICI Bank Platinum Chip Credit Card.
  • Fill the application form for that card.
  • Fill in all your basic details correctly.
  • Check your eligibility and if you are eligible then you can complete the online application.