ICICI Platinum Chip Card Review

By | March 9, 2021

ICICI bank is known for its wide promotional activities. They always spread the word that they have the best reward system in the whole credit card market. But, the reward system of ICICI is not that appreciable.

Let us see what is there in this card to provide you in terms of reward, or is it beneficial to use or you can go for other cards like HDFC Regalia Credit Card or Indusind Iconia Credit Card.

icici platinum

ICICI Platinum Fees

Fees Charges
Joining FeeNil
Annual FeeNil
Supplementary Card FeeNil
Overdue interest 3.40%/ month

ICICI Platinum Rewards

  • 2 payback points on every Rs.100 on retail spent.
  • 1 payback point on every Rs.100 spent on utilities & insurance.

You can redeem this points for movie ticket booking, lifestyle products, appliances and more.

Apply Now

Lounge Access

No lounge access service provided.

Similar Read
American Express SmartEarn Credit Card

ICICI Platinum Fuel Surcharge Waiver

1% fuel surcharge waiver can be availed on fuel transactions of maximum ₹ 4,000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines.

icici platinum


The finest dining experiences now come with equally impressive savings. Save a minimum of 15% on your dining bill at over 2,500 participating restaurants spread across 12 major cities with the ICICI Bank Culinary Treats program.

Also Visit
MakeMyTrip ICICI Bank Signature Credit Card

Bottom Line

There is no such exciting things provided by the card. If you are someone who want a credit card with no joining and renewal fee, then this is the perfect suit for you. You can not get much out of this card even if you spend a lot.

However ICICI provides a benefit to you in terms of allowing you to spent more that your prescribed limit. I will suggest you to go for HDFC cards if you’re looking for a decent amount of return on your spending. Otherwise if you are a beginner and have faith on ICICI services and want a card from that bank only, then you can go for this.


How can I foreclose or cancel the EMI on Credit Card ?

Login to www.icicibank.com and Customer Service > Service Requests > Credit Card > Card related queries > Queries Related to EMI-on-Call Facility  > Select Type of Query as Foreclosure of EMI on Call facility > Enter the required details to submit your request.

If the cancellation request within 17 days of booking, No chargers would be levied . If the request places post 17 days of booking EMI, a foreclose fee of 3% on remaining outstanding principal would be levied .

My Credit Card is blocked for 3D Secure and I want to activate the same.

To unblock 3D Secure PIN for your Credit Card.

Internet Banking: 
Login to www.icicibank.com with your user ID and password 
go to Customer Service > Service Requests > Credit Card >  Modification Related > Unblock Credit Card for 3D secure services >  Select Credit Card Number > Enter OTP >  Submit.

You may also activate the Credit Card through SMS
Short key for the card activation for Credit Cards is 3DS<SPACE>CC<SPACE><LAST FOUR DIGIT OF CREDIT CARD NUMBER> and send it to 9215676766.
Sample- 3DS CC 8002

How I can link my other bank credit card in my savings Account

No, you cannot link a Non ICICI Credit card to your ICICI Savings account.

How can I increase Credit limit on my Fixed deposit Insta card?

Credit limit on your ICICI Bank Instant Credit Card is assigned based on your Fixed Deposit (FD) amount. If you wish to have higher limit on your ICICI Bank Instant Credit Card, you may close or cancel this existing FD and credit card and may apply for the new FD with the higher amount.

Leave a Reply

Your email address will not be published. Required fields are marked *