ICICI Platinum Chip Credit Card | Features & Benefits | Review 2019

ICICI Platinum Chip Credit Card is the best one zero annual fee credit card from my best credit cards in India list.

There are many credit cards available for beginners. But only a few of them are suitable for everyone.

ICICI Bank is the largest private sector bank in India. The ICICI Platinum Chip Credit Card is an entry-level card.

Platinum Chip is a multipurpose credit card with the visa payment gateway. The card can help you to earn 2 payback points for each 100/- transactions.

Recently ICICI Bank has removed Platinum Chip card annual fee and made it lifetime free If you apply Icici Platinum Chip Credit Card Online.

ICICI Platinum Chip Credit Card Review

If you are looking for your first and multipurpose credit card then ICICI Platinum Chip is best for you.

Icici platinum chip credit card review

The Card comes with all required benefits & features:

You will earn 2 payback points for each 100/- spend.

2.50% fuel Surcharge waiver will be on all HPCL fuel outlets.

Avail minimum 15% discount on 800 restaurents in India.

The card comes with up to 48 days interest-free period.

Platinum Chip is a zero annual fee credit card.

You can avail EMI and cash advance facility in this card.

ICICI Bank Platinum Chip card gives you 2 Payback points for each 100/- INR spent.

And each Payback point valued around 0.25 Rs.

Card annual fee is just 199/- for the first year & 99/- Rs from 2nd year onwards. (Annual fee waived off if you spend 50K in the previous year)

ICICI Platinum Chip Rewards Points

Somewhere Payback points value is fewer than HDFC Money Back Credit Card which has a higher (0.40 Rs) reward point value.

As like many premium credit cards Icici platinum chip gives customer's Independence to spend with the credit card where ever they want.

ICICI Platinum Chip Interest-Free Time Period.

The card comes with up to 48 days interest-free time period. After that, you will be the charge for 3.40% ROI. ( Yearly approx 40.2%)

Why Should You Apply For ICICI Platinum Chip Credit Card?

If you are willing to get your first credit card then ICICI platinum chip is the best one to start with.

With Zero annual fee card is offering some unique benefits for first-time users.

Chip-enabled and pin verified card with necessary security features.

ICICI Platinum Chip Credit Card Eligibility Criteria

The card is a good fit for beginners and zero-annual fee card seekers. ICICI bank has marked some basic eligibility criteria for Platinum Chip Card.

If you are fulfilling these requirements then you can apply for ICICI Platinum Chip and your card approval chances will be higher.

Age: Your age must be a minimum of 23 years and not to above 58 years.


For Salaried: Your monthly net salary should be 25K (NTH).

For Self Employed: You last ITR income should be min 4 Lac.

CIBIL: You must have existing Credit Card or Loan history ( Minimum 180 days old)

Profession: You should have been working professional or self-employed.

Residence: You must be a permanent resident of India.

In my personal view, ICICI platinum chip credit card is the best choice for beginners and you can get it free if you apply platinum chip online.

This card also gives you a pre-paid facility which helps you to manage and keep your card limit safe for your next uses.

For getting instant approval to apply for .

ICICI Platinum Chip Credit Card


Fuel Benefits


Cash Back On Rewards


Rewards Points



  • Best For Beginners
  • Zero Annual Fee*
  • Fuel Benefits


  • Fuel Benefit Is Only On HPCL
  • Quite High ROI (Monthly 3.40%)

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  • Avatar

    I have applied my credit card in ahmedabad and it is taking more than 25 days to deliver. What is going on? After doing verification they said your card will be deliver within 5 working days. Normally when I applied they told 15 days. But now it is exceeding like hell. I want somebody should concern about it. I am working with reputed company. My salary is more than 25k, My cibil score is 780+. What is going on??? I am not understanding. Please revert me back from ICICI bank.

    • Jitender Sharma

      Hi Mohan, This sound like bank executive is not reverting in a genuine manner. So you can draft an email to the senior body which you can find on their website. Because most of the time bank executive create problems with applications and again ask for new documents if it crossed months.
      Kindly write an email to the seniors and mention all application approval and verification related details. Hope you will get a positive result and can receive your credit card too.


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