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Features of ICICI Bank Platinum Credit Card

  • Zero Joining and Annual Fees: The ICICI Bank Platinum Credit Card stands out for its cost-effectiveness, as it comes with no joining or annual fees. This lifetime-free structure eliminates the financial burden of maintaining the card, making it an attractive option for budget-conscious users. Whether you're a salaried professional or a student building credit, this feature ensures you can enjoy the card’s benefits without worrying about recurring charges.
  • No Supplementary Card Fee: The card also extends its cost-free benefit to supplementary cards. You can issue add-on cards for family members, such as your spouse, children, parents, or siblings (over 18 years), at no additional cost. This allows you to share the card’s benefits with loved ones while maintaining control over the primary account.
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400-₹4,000 at HPCL pumps when using ICICI Merchant Services machines.
  • Dining Discounts: Up to 15% discount at 2,500+ partner restaurants through ICICI Bank Culinary Treats Programme.
ICICI Platinum Credit Card
    • Flexible Redemption Options: PAYBACK points can be redeemed via ICICI Bank Rewards for electronics, fashion, home appliances, travel/movie vouchers, cashback (1 point = ₹0.25), or partner brand gifts. A redemption fee of ₹99 applies per request. Points expire after 36 months.
    • Monthly Capping on Reward Points: Earn points up to ₹40,000/month on utilities and insurance; ₹20,000 on grocery/departmental purchases. No points on rent, wallet loads, government or education spends.
    • Fuel Surcharge Waiver: 1% waiver on fuel spends of ₹400–₹4,000 at HPCL petrol pumps using ICICI Merchant Services machines. Capped to ₹4,000 transactions per month.
    • Dining Discounts: Get up to 15% off at over 2,500 partner restaurants through the Culinary Treats Programme. Extra Visa/Mastercard dining offers available.
    • Enhanced Security: Embedded chip with PIN protection for in-store purchases. Contactless tap-to-pay at retail outlets. Global emergency assistance and fraud protection included.
    • Global Acceptance: For cardholders traveling abroad, the card offers Visa’s Global Emergency Assistance Service. This includes support for reporting a lost card, emergency card replacement within 72 hours, and emergency cash advances. This feature provides peace of mind, ensuring you’re covered in unforeseen circumstances while traveling.
    • Movie Ticket Discounts: Cardholders can enjoy a 25% discount (up to ₹100) on purchasing a minimum of two movie tickets, up to twice a month, through BookMyShow. This feature is perfect for movie buffs looking to save on entertainment expenses. The offer applies after card activation and enhances the card’s lifestyle benefits.
    • Balance Transfer Facility: Transfer outstanding dues from other credit cards to ICICI Platinum at lower interest rates and repay in EMIs.
    • EMI Conversion for Purchases: Retail transactions of ₹3,000 or more (excluding cash, jewelry, and fuel purchases) can be converted into EMIs within 30 days of purchase. Available tenures include 3, 6, 9, or 12 months, offering flexibility to manage large expenses like electronics or travel bookings without disrupting your budget.
    • Credit Builder Program: Designed for new users to build credit score via guided responsible usage and timely repayments.
    • Flexible Payment Options: Link to ICICI Bank account for auto-bill pay. Also supports UPI registration for QR-based payments via iMobile or UPI apps.
    • Revolving Credit Facility: The card offers a revolving payment option, where you can pay only the minimum amount due and carry forward the remaining balance to the next month. While this provides flexibility, note that interest (typically 40.8% per annum) applies to the unpaid balance, so timely full payments are recommended to avoid high charges.
    • Auto-Pay and UPI Integration: The card supports an auto-pay feature, allowing you to link it to your ICICI Bank account for automatic bill payments, ensuring you never miss a due date. Additionally, you can register the card on UPI-enabled apps to make instant online payments by scanning QR codes, enhancing convenience for digital transactions.
    • Relaxed Eligibility Criteria: The card has lenient eligibility requirements, making it accessible to a wide audience. Applicants must be: Between 21 and 65 years old. Salaried or self-employed with a minimum annual income of ₹2.5 lakhs. Have a credit score above 700 (ideally 750 for higher approval chances). Required documents include proof of identity (Aadhar, PAN, Voter ID), address, and income (salary slips, ITR). The simple documentation and relaxed criteria make it beginner-friendly.
    • Easy Application: You can apply online via the ICICI Bank website or iMobile app by filling out the application form and submitting documents. Alternatively, visit a nearby ICICI Bank branch for offline applications. The card is typically delivered within 21 working days, and you can track the application status online or through customer care.
    • No Lounge Access: Unlike premium cards, the ICICI Bank Platinum Credit Card does not offer complimentary airport lounge access, which may disappoint frequent travelers seeking luxury perks.
    • High Cash Advance Charges: Cash withdrawals using the card incur a 2.5% fee (minimum ₹500) per transaction, plus an interest rate of 3.75% per month (45% per annum) from the withdrawal date until repayment. This makes cash advances costly, and it’s advisable to avoid them. This comprehensive set of features makes the ICICI Bank Platinum Credit Card a practical and rewarding choice for everyday spending, with a focus on affordability, security, and convenience.
ICICI Platinum Benefits

Benefits of ICICI Bank Platinum Credit Card

  • Cost Savings: No joining/annual fees and free supplementary cards provide long-term savings compared to fee-based cards.
  • Everyday Rewards: Earn PAYBACK points on most retail purchases, with flexible redemption options including cashback, vouchers, and merchandise.
  • Fuel Savings: 1% surcharge waiver at HPCL pumps helps regular drivers save on fuel costs.
      • Dining Perks: Up to 15% discounts at 2,500+ partner restaurants across India under the Culinary Treats Programme.
      • Entertainment Savings: 25% discount (up to ₹100) twice a month on BookMyShow movie tickets; up to ₹2,400 saved annually.
      • Security: Chip-and-PIN protection and secure online protocols minimize fraud risks and unauthorized transactions.
      • Financial Flexibility: EMI conversion and balance transfer options at lower rates ease large or multiple expense repayments.
      • Global Usage: Accepted internationally at Visa/Mastercard merchants, plus emergency assistance services while abroad.
      • Digital Management: Manage card usage via iMobile app and Internet Banking—track spends, pay bills, and monitor rewards.
      • Credit Building: Great for new users to establish a strong credit history through responsible usage and timely payments.
      • Family Sharing: Free supplementary cards extend benefits to family members and help build their credit profiles.
      • Budget-Friendly: Low entry barriers and no high spend thresholds make it accessible and cost-effective for all users.
      • Wide Acceptance: Use the card at retail stores and online platforms across India and internationally.
      • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400–₹4,000 at HPCL pumps using ICICI Merchant swipe machines.
      • Utility Bill Payments: Pay mobile, electricity, and other utility bills easily with Easy Bill Pay and Auto-Pay features.
      • Visa & Mastercard Privileges: Mastercard cardholders gain access to the Priceless Specials program, which offers unique experiences and discounts on shopping, dining, sports, and more.
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How to Apply for ICICI Bank Platinum Credit Card

  • 1. Online Application
    • Visit www.icicibank.com > "Credit Cards" > "Platinum Credit Card" > "Apply Now"
    • Fill in personal, employment, and income details
    • Upload scanned documents (PDF/JPEG, max 5 MB)
    • Submit and track status using application reference number
  • 2. Offline Application
    • Visit an ICICI Bank branch and request the application form
    • Submit self-attested document copies with originals for verification
    • Processing time: 7-21 days
  • 3. Through Relationship Manager
    • Existing ICICI Bank customers can apply through their manager
    • Simplified process for account holders
  • 4. Verification and Approval
    • ICICI Bank will verify documents and assess creditworthiness
    • Pre-approved customers may get instant approval
    • New applicants typically approved in 7-14 working days

Eligibility Criteria for ICICI Bank Platinum Credit Card

  • 1. Income Requirements
    • Salaried: Minimum monthly income of ₹25,000 (₹3 lakhs annually) for ICICI Bank account holders
    • Salaried: ₹30,000 monthly (₹3.6 lakhs annually) for non-ICICI Bank customers
    • Self-Employed: ITR reflecting ₹3 lakhs+ annual income
  • 2. Credit History
    • CIBIL Score: Minimum 700 or higher preferred
    • No major payment defaults in last 12 months
  • 3. Age Criteria
    • Primary Cardholder: 21-65 years
    • Supplementary Cardholder: Minimum 18 years
  • 4. Residency
    • Indian residents or NRIs with Indian address
  • 5. ICICI Bank Relationship
    • Existing ICICI Bank account holders get preference
    • Existing ICICI credit card holders may get higher limits
  • 6. Employment Stability
    • Salaried: Minimum 1 year with current employer
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Documents Required for ICICI Bank Platinum Credit Card

  • 1. Identity Proof (Any One)
    The following government-issued documents are accepted to verify the applicant's identity:
    Aadhaar Card: Must be linked to current mobile number for OTP verification.
    PAN Card: Mandatory for all credit card applications in India.
    Passport: Valid for at least 6 months from application date.
    Voter ID: Issued by Election Commission of India.
    Driving License: Valid license issued by RTO.
    Specifications: Document must be valid and not expired. Name must match application exactly.
  • 2. Address Proof (Any One)
    Documents must show current residential address:
    Aadhaar Card: If address matches delivery address.
    Passport: Must include current address page.
    Utility Bill: Electricity, gas, or landline bill (not older than 3 months).
    Bank Statement: From any bank showing address (last 3 months).
    Rental Agreement: Registered agreement with utility bill if address differs.
    Specifications: Address must match application. For NRIs, Indian address proof required.
  • 3. Income Proof
    Requirements vary by employment type:
    For Salaried Individuals:
    Latest 3 months' salary slips showing monthly income ≥ ₹25,000
    Form 16 for previous financial year
    Last 3 months' bank statement showing salary credits
    For Self-Employed Individuals:
    ITR for last 2 years showing annual income ≥ ₹3 lakhs
    Last 6 months' bank statements
    Business proof (GST registration, shop license, etc.)
    Specifications: Income documents must match declared income. ITR must be acknowledged.
  • 4. Photograph
    Requirement: Recent passport-size photograph (3.5 cm x 4.5 cm).
    Specifications: White background, clear facial visibility, taken within last 6 months.
  • 5. Supplementary Card Documents
    If applying for add-on cards:
    Identity Proof: Of supplementary cardholder (Aadhaar, PAN, etc.)
    Relationship Proof: Marriage certificate (spouse), birth certificate (children)
    Photograph: Of supplementary cardholder

Factors Considered for ICICI Bank Platinum Credit Card Approval

  • 1. Income Level
    Minimum ₹25,000 monthly income for salaried ICICI Bank customers or ₹30,000 for others.
    Description: Primary factor determining repayment capacity.
    Verification: Through salary slips, bank statements, or ITR.
    Impact: Higher income increases approval chances and credit limit.
  • 2. Credit Score and History
    CIBIL score of 700+ preferred with no major defaults.
    Description: Indicates creditworthiness and repayment behavior.
    Verification: ICICI Bank pulls CIBIL report during processing.
    Impact: Low score or defaults may lead to rejection.
  • 3. Existing ICICI Bank Relationship
    Existing customers get preference in approval.
    Description: Demonstrates banking history with ICICI.
    Verification: Account history, transaction patterns reviewed.
    Impact: Strong relationship can offset marginal credit issues.
  • 4. Employment Stability
    Salaried: Minimum 1 year with current employer.
    Self-Employed: Business operational for 2+ years.
    Description: Ensures income stability.
    Verification: Appointment letter or business documents.
    Impact: Longer tenure improves approval odds.
  • 5. Debt-to-Income Ratio
    Total monthly obligations should not exceed 50% of income.
    Description: Measures ability to handle additional credit.
    Verification: Review of existing loans and credit cards.
    Impact: High ratio may lead to rejection or lower limit.
  • 6. Age
    Primary Cardholder: 21-65 years.
    Description: Ensures applicant is in earning phase.
    Impact: Outside range may require special approval.
  • 7. Application Accuracy
    Complete and consistent information.
    Description: Discrepancies raise red flags.
    Impact: Incomplete applications face delays or rejection.
  • 8. Residential Stability
    Longer residence at the current address strengthens the application.
    Description: Indicates stability and reliability.
    Verification: Proof of address, utility bills, or rental agreements.

Frequently Asked Questions (FAQs)

1. What is the ICICI Bank Platinum Credit Card?
The ICICI Bank Platinum Credit Card is an entry-level credit card offering benefits like fuel surcharge waiver, reward points, and contactless payment options. It’s designed for customers looking for an affordable way to enjoy credit card benefits with no annual fees.
2. What are the eligibility criteria for applying?
You must meet the following criteria:
  • Age: At least 21 years old
  • Regular income and good credit profile
  • Meet ICICI Bank's credit requirements
3. Is there an annual fee for the ICICI Platinum Credit Card?
The ICICI Platinum Credit Card typically comes with no annual fee, but this may vary depending on your credit profile or any ongoing promotional offers from the bank.
4. How can I apply for the card?
You can apply for the ICICI Platinum Credit Card:
  • Online through the ICICI Bank website
  • By visiting a nearby ICICI Bank branch
5. What are the key benefits of this card?
Key benefits include:
  • Reward points on most purchases
  • 1% fuel surcharge waiver at HPCL pumps for transactions up to ₹4,000
  • Contactless payments with Visa payWave or Mastercard technology
6. Do I earn reward points on all transactions?
Yes, you earn reward points on most retail transactions except for fuel, utility bills, and insurance.
7. How can I redeem my reward points?
You can redeem your reward points through the ICICI Bank Rewards Portal for items such as vouchers, merchandise, or statement credit.
8. Is this card enabled for contactless payments?
Yes, the ICICI Platinum Credit Card supports Visa payWave or Mastercard contactless technology for tap-and-pay transactions, making it convenient for quick purchases.
9. What is the credit limit on the Platinum Credit Card?
The credit limit is determined by ICICI Bank based on your income, credit score, and other factors. It can vary from person to person.
10. Is there a fuel surcharge waiver?
Yes, a 1% fuel surcharge waiver is available on transactions made up to ₹4,000 at HPCL pumps. However, reward points are not earned on fuel purchases.
11. Can I use this card internationally?
Yes, the ICICI Platinum Credit Card is accepted globally wherever Visa or Mastercard is accepted, making it ideal for international transactions.
12. How do I check my outstanding balance and transaction history?
You can easily check your outstanding balance and transaction history through the ICICI Bank iMobile app, net banking, or by calling customer care.
13. Is there an interest-free period?
Yes, ICICI Platinum Credit Card offers an interest-free period of up to 48 days if previous dues are paid in full and on time.
14. What happens if I miss a payment?
If you miss a payment, late fees and interest charges will be applied. Additionally, it could negatively impact your credit score.
15. How can I close my ICICI Platinum Credit Card?
You can close your ICICI Platinum Credit Card by calling customer service or submitting a written request to ICICI Bank after clearing all outstanding dues.

List of ICICI Bank Platinum Credit Card Branches

  • Villupuram - AGALUR
  • Villupuram - ANANTHAPURAM
  • Villupuram - Tindivanam
  • Pudukkottai - ALANGUDI
  • Pudukkottai - ANNA SALAI - PONNAMARAVATHY
  • Pudukkottai - ARANTANGI
  • Madurai - ALLIKUNDAM
  • Madurai - Melur
  • Madurai - Thirumangalam
  • Madurai - Usilampatti
  • Vellore - AMBUR
  • Vellore - ARAKONAM
  • Vellore - ARCOT
  • Vellore - Tirupathur