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ICICI Bank Platinum Chip Credit Card
ICICI Bank

ICICI Bank Platinum Chip Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹0

Nil

Annual fee

₹0

Nil

What it gives back

2 points per ₹100 · everyday spends

Read from 3 ICICI Bank documents, last checked 8 Nov 2026.

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How it compares

Compared with the cards we have read

No annual fee: one of 130 cards that state none, out of the 448 open cards whose annual fee we have read.

3.5% forex markup: of the 480 other open cards whose forex markup we have read, 162 state a lower one and 318 state the same.

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Fees

  • Joining feeAnnual fee

    ₹0Nil

  • Add-on card fee

    ₹199.₹199 annual fee for a supplementary, add-on or Plus card (w.e.f. Nov 15, 2024)

Rewards

  • Reward rate

    2 points per ₹100 · everyday spends2 points per ₹100 on retail spend; 1 point per ₹100 on utility & insurance spend.

  • Catalogue redemption

    Health & Beauty, Travel & Luggage, Shopping Voucher, Home Appliances, Electronics, Fashion & Lifestyle.

Also included

  • Fuel surcharge waiver

    Fuel surcharge waiver Get a 1% waiver on fuel transactions worth ₹400 - ₹4,000 at HPCL pumps.

  • Surcharge on railway tickets

    1.80% of transaction value for Internet transactions and 2.50% for other bookings. For cards on American Express network: 1.80% of transaction value or ₹10 whichever is higher

  • Add-on card eligibility

    The Plus Card Member/ Supplementary Card Member must be an Indian Resident above the age of 12 Years and must be related to the Primary Card Member by virtue of being Father, Mother, Son, Daughter, Spouse, Brother, Sister, Father-in-Law, Mother-in-Law, Son-in-Law or Daughter-in-Law.

Charges

  • Forex markup

    3.5% on foreign currency transactions.

  • Dynamic currency conversion markup

    3.5%3.5% Dynamic Currency Conversion fee on all transactions conducted in Indian currency at international locations or transactions carried out in Indian currency at merchants located in India but registered in a foreign nation (Charges w.e.f. Jan 15, 2026)

  • Cash advance fee

    2.5% on advanced amount, subject to minimum of ₹500

  • Cash advance interest

    3.75% per month

  • Interest on unpaid balance

    3.75% interest per month

  • Interest-free period

    18 to 48 days interest-free when you pay in full.

  • Late payment fee

    ₹100 to ₹1,300

  • Over-limit fee

    2.50% on the over-limit amount subject to a minimum of ₹550. Over-limit facility for customer induced transactions will be provided only basis explicit consent from customer as per regulatory guideline

  • Payment return or dishonour fee

    Return of cheque: 2% of Total Amount Due, Min. ₹500; Auto-Debit return fee: 2% of Total Amount Due, Min. ₹500; in addition ₹50+GST will be debited from customer saving bank account. In case customer paid partial payment against Total Amount Due (TAD) then fee will be calculated on Total Amount Due (TAD) minus payment if applicable

  • Card replacement fee

    ₹200 for all cards with effect from July 1, 2024. Exception: ₹3500 for Emeralde Private Metal Credit Card and Times Black ICICI Bank Credit Card; ₹5000 for 1838 Reserve ICICI Bank Credit Card

  • Cash payment / cash deposit fee

    A fee of ₹150 per payment transaction w.e.f. Jan 15, 2026 on cash deposited at any of the branches of ICICI Bank towards the Card payment

  • Education / school fee charge

    A fee of 1% of the transaction amount for education payments made through third-party apps (w.e.f. Nov 15, 2024)

  • EMI conversion fee

    Processing fee of 2.99%, capped at a maximum of ₹299 + 18% GST on all Instant EMI transactions with effect from Sep 01, 2025; processing fee of up to 2% of the transaction value on all EMI on Call transactions

  • Fee on online skill-based gaming spends

    A fee of 2% of the transaction amount for skill-based gaming transactions (w.e.f. Jan 15, 2026)

  • Wallet load charge

    A fee of 1% of the transaction amount for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026)

  • Fuel transaction fee

    A fee of 1% of the transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024)

  • Rent transaction fee

    1% fee on transaction amount (Merchant Category Code: 6513)

  • Utility transaction fee

    A fee of 1% of the transaction amount for utility payment transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024)

  • GST note

    GST may be applicable from time-to-time; presently the GST rate for banking and financial services is at 18% applicable on all fees, interest, surcharge and other charges

  • Grace days after the due date

    3 days after the payment due date.

Eligibility

  • Age the primary cardholder must be

    Between the ages of 21-65 years.

  • Income, salaried

    Monthly income of ₹20,000

  • Income, self-employed

    Monthly income of at least ₹20,000.

  • Minimum ageResidency

    An Indian citizen over 21 years of age.

  • Documents required

    Identity Proof, Address Proof, Income Proof; No physical documents required.

Points expiring? Use Expiry Rescue

In the terms, not the brochure (2)

  • What happens to unredeemed points if the card is closed

    If the ICICI Bank Credit Card is terminated, whether voluntarily by the Primary Card Member or by the Bank, the Card Member will immediately cease to be eligible for earning reward points or cashback. All unused or unredeemed reward points or cashback shall automatically be forfeited immediately after voluntary or involuntary cancellation.

  • Whether carrying a balance ends the interest-free period

    If the Total Amount Due is not paid by the payment due date + 3 days grace, then there will be no interest free period.

How we know - 3 documents from ICICI Bank, checked 8 Nov 2026

3 documents from ICICI Bank, checked 8 Nov 2026.

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