ICICI Bank Platinum Chip Credit Card: Review 2024

Through this blog we shall be making you aware on ICICI Bank Platinum Chip Credit Card, a unique product from ICICI bank. We shall be exploring all the important insights on ICICI Bank Platinum Chip Credit Card, its features, fee, usability and the various offers and rewards attached to it.

ICICI bank, a leading name in the list of Indian banks is highly appreciated for its great customer service and the popularity of different products/offers that they keep on providing on regular basis.Now,when it comes to choosing credit cards in India, ICICI bank offers a whole range of credit card options for you to select from.

So, here we shall be sharing our personal views on one such credit card: ICICI Bank Platinum Chip Credit Card.

If you are planning to get a credit card for yourself and looking for some of the best credit cards in India, you are bound to get confused while making the right choice, but relax and just cheer up…this review will surely help you in taking a wise decision while choosing the right credit card in India. Some unique features of this credit card shall be reviewed and the reason why it qualifies in our list of Best Credit cards in India.

To start with, you know what makes this credit card special and attractive for most of the users: Its additional security feature. Yes,this credit card comes with an embedded microchip that provides a shield from any fraud and misuse.You are given an additional PIN or Personal Identification Number that enhances its security level. Isn’t that great!

Further, the ICICI Bank Platinum Chip Credit Card provides a reward program powered by PAYBACK i.e. India’s largest loyalty programme. You get an opportunity to earn payback points on your various purchases and redeem them for some really exciting gifts and vouchers.

The application procedure for this credit card is quite simple and you can easily apply for this card online.

A simple form needs to be filled and the customer support shall quickly get back to you.If you meet their eligibility criteria and have a good credit background, after the necessary verification,documentation and processing, you shall be allotted this credit card.

Now, let us go through the overall benefits of ICICI Bank Platinum Chip Credit Card and analyse whether its a good fit for your wallet based on your usability and priorities.card-300x159

Benefits of ICICI Bank Platinum Chip Credit Card :

  • Security feature: This comes with an embedded chip that ensures secure transactions and gives protection from the risk of fraud. This chip card offers an extra level of security in the form of PIN or Personal Identification Number to be entered at merchant outlets.
  • Fee: The joining fee is Rs.199 only (plus service tax as applicable).A renewal fee of Rs.99 is charged second year onwards. This is so reasonable as compared to other credit cards. Isn’t it !

But,wait here is another favourable catch, if you apply online you can get a joining fee as well as renewal fee waiver. But,this offer of Lifetime Free ICICI Platinum Chip Credit card is for a limited period only. Now,that’s really cool !

  • Rewards: You can earn 2 payback points on every Rs.100 spent except on fuel.The points redeeming process is also quite simple,you can do so through Payback by calling the ICICI customer care that is quite helpful.
  • Fuel surcharge waiver: If you swipe ICICI Platinum chip card on ICICI merchant services swipe machines at HPCL fuel stations, 1% fuel surcharge waiver can be availed on transactions of maximum Rs.4000.
  • Offers on Dining out: You can save a minimum of 15% on your dining bills at over 2500 leading partner restaurants spread across 12 cities with ICICI Bank Culinary Treats Programme. We all love eating out and this feature is an added advantage of this credit card that can help you save some money.
  • Fee Waiver: If you spend Rs.50000 or more annually, your annual fee of Rs.99 for subsequent year shall be waived off.Yet,another special offer for frequent credit card users to save the annual fee.
  • Special Offers: The card also has some exclusive offers attached to it from time to time.Like there is a Lifetime free Platinum Chip Credit Card offer running now that is valid till 31st December 2017. Get Rs.1,000 off at www.Lenskart.com if your purchase is Rs.3,000 or above.

After going through the host of benefits, see if this credit card suits your needs and fits your choice. If yes, you can easily apply and get instant approval for ICICI Bank Platinum Chip Credit Card online.

So,this seems to be a perfect fit offering you some really great value with a bunch of exciting offers linked to it. An easy to manage credit card to help you earn payback points,get fuel surcharge waiver,dining offers plus the additional security of chip is an added advantage of the ICICI Platinum Chip Credit Card.

Be careful and just take an informed decision after analysing all the features and benefits the credit card shall offer you.

The views expressed here are our personal and individual preferences may vary from person to person based on the various factors like age,priorities,usage,income and experiences of an individual.

Have you used the ICICI Bank Platinum Chip Credit Card ? Do share your valuable experiences and feedback on the same ? If you have any other credit card to add to our list of best credit cards in India, feel free to mention it in the comment section below.

Are you interested in checking out exclusive details on some other credit cards, our blog Best Citibank Credit Cards in India may help you.

The details are on “as is” basis, there might be changes in the features and benefits of the credit card from time to time. Please check all the Terms and conditions (T&C) carefully with the respective banks/companies while applying for any of the best credit cards in India.

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