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visaplatinumcredit
ICICI Bank Platinum Chip Credit Card
ICICI Bank
diningshopping
Annual Fee
FREE
Joining Fee
Lifetime Free
Base Reward
2% points
Foreign Markup
3.5%
Interest Rate
3.75% per month
Product Highlights
- Zero annual fee
- Earn 2 Reward Points for every ₹100 spent on retail transactions
- 1% fuel surcharge waiver at HPCL pumps
- Discount offers on dining
Rewards
Earn 2 Reward Points on every retail spend of ₹100. Earn 1 Reward Point on every ₹100 spent on insurance & utilities. Up to 15% off on dining through the ICICI Bank Culinary Treats Programme in 2500+ restaurants.
Redemption
1 Reward Point = ₹0.25
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
dining | 2%(2 Reward Points on every ₹100 spent) | No cap |
utilities | 1%(1 Reward Point on every ₹100 spent) | No cap |
Benefits & Features
Up to 15% off on dining through the ICICI Bank Culinary Treats Programme.
Fees & Charges
Annual FeeFREE
Joining FeeLifetime Free
Foreign Markup3.5%
Interest Rate3.75% per month
Cash AdvanceHigher of ₹500 or 2.5% of the Amount Withdrawn
Redemption Fee₹99 + GST
Eligibility
Min Age
21 years
Available Networks
visa
Pros & Cons
Pros
- Lifetime free annual fee
- 2 Reward Points on retail spends
- Up to 15% off on dining
- 1% fuel surcharge waiver at HPCL
Cons
- No welcome benefits
- Redemption fee of ₹99 + GST
- Limited to HPCL for fuel surcharge waiver
Partner Merchants
HPCL