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ICICI Platinum Chip credit card: eligibility, fee, features & benefits

ICICI Platinum Chip credit card: eligibility, fee, features & benefits

December 30, 2021
10 min read
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shop securely while saving a whole lot

shop endlessly without fearing security with ICICI Platinum Chip credit card. this credit card comes with a host of shopping and lifestyle-related benefits. the built-in contactless technology makes the transaction simpler, quicker and a whole lot secure. 
the payback reward points, specific to this credit card, can be redeemed for gifts available in the rewards catalogue. you can earn additional rewards and cashback by making your ICICI credit card payment on CRED.
read this article to know the application process, eligibility criteria, and fees and charges for the ICICI Platinum Chip credit card.



Payback points

2 Payback points on every INR 100 spent on retail purchases except fuel
1 Payback point on every INR 100 spent on utilities and insurance

fuel surcharge waiver

1% fuel surcharge waiver for an amount worth ₹4,000 at HPCL petrol pumps

dining delights

with ICICI Bank Culinary Treats Program, get a minimum discount of 15% on your total bill in 2,500 restaurants spread across 12 major cities

enhanced security

the embedded microchip provides security against fraudulent activities

types of charge


joining fee


annual fee (second year onwards)


cash advance fee

2.5% of the amount withdrawn

rewards redemption fee


late payment charge


over limit charge

2.5% of the over limit amount

card replacement fee


add-on card fee


foreign currency transaction

3.5% of the total transaction

finance charge

3.4% per month

returned payment fee

2% of the total amount

how do i apply for ICICI Platinum Chip credit card?

  • visit the official website of ICICI Bank and click on products > cards > credit card.
  • select your net annual income as ‘>₹2.5 lakh’.
  • an image of Platinum Chip credit card will appear on the screen along with the ‘apply now’ button.
  • click on ‘apply now’ and fill in your personal details and click on ‘get offers’.
  • depending on the details provided, your eligibility will be checked.
  • in a few seconds, an image with a description of the card will be displayed on your screen based on your eligibility.
  • click on the ‘apply now’ button and fill the application form.
  • you can also visit the nearest branch of ICICI Bank to apply for ICICI Platinum Chip credit card.

am i eligible for ICICI Platinum Chip credit card?

  • the ICICI Platinum Chip credit card is only issued to applicants who are above 23 years of age.
  • the applicant should be a resident of India
  • the applicant should also have a good credit score.

what documents do i require to apply for the card?

  • identity proof: PAN card/Aadhaar card/voting card/driving license (any one of these documents is required)
  • address proof: passport/driving license/electricity bill/gas bill (any one of these documents is required)
  • income proof: ITR documents and salary slips of last 2 months
  • passport-size coloured photographs

frequently asked questions (FAQs)

what is the Chip and PIN credit card?

the ICICI Platinum Chip credit card has an embedded microchip that provides security against fraudulent activities. it has an extra layer of security in the form of the 4-digit personal identification number (PIN) which you have to enter for authorizing the transaction.

how does a contactless credit card work?

a contactless card has a chip and a radio frequency antenna in it. when the card is tapped on the terminal, the card transmits payment details wirelessly.

how can i block the ICICI Platinum Chip credit card?

you can block the credit card in the following 2 ways:

  • internet banking: my accounts > credit cards > block your credit card - instant deactivation > choose the card number > submit.
  • customer care: you can also call the customer care number and submit the request to block the credit card.

how can i view or download my credit card statement?

  • netbanking: login to your account > my account > credit cards > service request > credit card statement request- email > choose the date and month required.
  • imobile: login to imobile > card number > more options > select the statement date > view or download statement.

how do i view my reward points summary?

you can view your reward points summary by following the steps below:

  • netbanking: login to netbanking > exclusive offerings > reward points > view rewards > submit.
  • imobile: login to imobile > smart keys and services > account services > reward points.
  • SMS: type ‘DCPBAL’ (space) last 4 digits of your credit card number and send it to 9212146468 from your registered mobile number.

do i have to pay the annual fee every year?

if the total expenditure on your card is greater than ₹50,000, the annual fee for the next year will be reversed.