ICICI Platinum Chip Credit Card: Features, Benefits, Fees & Charges

Bio

An Alumnus of IIM and DU with almost a decade of experience in the banking and finance sectors. I had the opportunity to work with all types of institutions in BFSI ecosystem like Bank, NBFC, Fintech, Consulting and Auditor. I started my professional journey at KPMG and subsequently worked in leading names of the BFSI sector including Ujjivan Bank, Vistaar Finance. Currently building a fintech startup ( PICE) by handling alliances, compliance and creation of GTM strategy for payments and credit product.

12 Dec 25
5 mins

Saurabh Agrawal

08 Mins
12-12-25

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Table of Contents

Rewards Program of ICICI Platinum Chip Credit Card
Security Features of the ICICI Platinum Chip Credit Card
Documents to Submit When Applying for ICICI Platinum Chip Credit Card
ICICI Platinum Chip Credit Card: Who is it Ideal For?
How to Apply for the ICICI Platinum Chip Credit Card?

Key Takeaways:

ICICI Platinum Chip is a lifetime-free credit card with a fuel surcharge waiver reward.
1 reward point for every ₹100 spent on utility and insurance payments.
Get up to 6x - 12x reward points on iShop for flight, hotel, and bus bookings.
2 reward points for every ₹100 spent on retail purchases.

The ICICI Platinum Chip credit card offers a rewarding experience for everyday spenders on utility payments, retail payments, travel booking and purchasing shopping vouchers. The Platinum Chip Credit Card is a great choice if you’re looking for a cost-free Credit Card.

It has no joining or annual fee. It also helps you to save big on even the routine expenses to maximise value back and returns. Read on to know all about what rewards and features this credit card offers.

Rewards Program of ICICI Platinum Chip Credit Card

Earn up to 18% with 6X reward points on flight bookings and shopping voucher purchases on iShop.
Get up to 36% with 12X reward points on hotel bookings at iShop.
Earn 2 reward points for every ₹100 spent on retail.
Earn 1 reward point for every ₹100 spent on utility and insurance.

Security Features of the ICICI Platinum Chip Credit Card

EMV Chip Protection: The ICICI Platinum Chip credit card has an embedded microchip, which provides enhanced security against counterfeiting.
Contactless Payment Security: The card has a tap-and-pay feature for low-value transactions and dynamic encryption to prevent any misuse.
Zero-Liability Protection: Cardholders get protection against fraudulent transactions if the loss is promptly reported.
PIN-Based Transactions: Every POS transaction requires a 4-digit PIN, which adds a second layer of protection.

Fees and Charges of ICICI Platinum Chip Credit Card

Types of Fees and Charges	Amount
Joining and Annual Fees	NIL
ATM Withdrawal Fee Interest Rate	3.75% (monthly)
Late Bill Payment Fees	₹100 - ₹1300
Forex Markup Fee	3.50%
Finance Charges	3.75% (monthly)

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Documents to Submit When Applying for ICICI Platinum Chip Credit Card

Submit these documents when you do a ICICI Platinum chip credit card apply:

Address Proof: Aadhaar Card, Passport, Voter ID
Income Proof: Form 16, IT Returns, Salary Slip
Identity Proof: Passport, Driving License, Aadhaar Card

ICICI Platinum Chip Credit Card: Who is it Ideal For?

People who want a simple, low-maintenance card with essential features and strong security.
Everyday shoppers who want to earn reward points on regular spending, such as fuel and utility.
Individuals seeking a secure credit card with EMV chip protection and PIN-based security.
People who want a lifetime-free credit card option with minimal documentation.

How to Apply for the ICICI Platinum Chip Credit Card?

Step 1: Head over to the official site of ICICI Bank and click on Personal>Cards>Credit Cards.

Step 2: Scroll down, and you will see the 'Explore All' option. A vast range of credit cards will then be displayed on your screen.

Step 3: Then scroll down again till you see the Platinum Chip credit card option. You need to click on it.

Step 4: Now, you will be directed to a page where you need to fill in the details of your PAN, date of birth, and mobile number.

Step 5: For verification purposes, you will get an OTP which you need to enter.

Step 6: Now you will have to give details of your employment type and provide other financial details.

Step 7: After successfully filing in all the details and verification of documentation, your credit will be activated.

Offline Method to Apply for ICICI Platinum Chip Credit Card

You can call up their helpline portal to apply for a credit card.
By visiting any of their bank branches, you can get your ICICI Platinum Chip credit card.

Now pay your ICICI Platinum Chip credit card bills in seconds with a fast experience. Track your expenses and never miss a due date again with the Pice app. Download it today to simplify your credit card bill payments!

Footer:The ICICI Platinum Chip credit card grants you 1% fuel surcharge waiver on transactions worth ₹400 - ₹4,000 at HPCL pumps.

FAQs

Who can apply for the ICICI Platinum Chip credit card?

The ICICI Platinum Chip credit card is available for salaried and self-employed individuals with a minimum income of ₹20,000 (monthly). Furthermore, it is only available for Indian citizens between 21 and 65 years of age.

Can I apply for the ICICI Platinum Chip credit card without a credit score?

Yes, people can easily apply for the ICICI Platinum Chip credit card without a credit score, as this card is designed for beginners who want entry-level benefits.

How to increase the ICICI Platinum Chip credit card limit?

ICICI Bank offers enhancements to credit limits based on repayment history, usage pattern, and credit score. You can also request a credit limit increase through their customer support.