ICICI Bank
Platinum Chip Credit Card
SimplifyCards take:A good fit if you want a card built for lifetime free, entry level, and fuel
✓
Best as a no-fee everyday cardBest for
Lifetime-free, so there's no annual fee to recover before it adds value
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
✦
Good fit if you want a card built for lifetime free, entry level, and fuelBottom line
It offers no annual fee
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| Retail Spends | 2 Reward Points / ₹100 spent |
| Utility & Insurance Spends | 1 Reward Point / ₹100 spent |
Redemption
Statement balanceupto ₹ 0.25 per point
Airmile transferupto 0.16666666666666666 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Air India Maharaja Club | 6:1 |
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- 1% fuel surcharge waiver on all fuel transactions of ₹400 to ₹4,000 at HPCL petrol pumps
Additional details
- A transaction fee of 1% applies to utility payments exceeding ₹50,000 per month
Eligibility
Check this before you apply
Salaried
- Age: 21 - 65 years
- Minimum monthly income: ₹20,000
Self-employed
- Age: 21 - 65 years
- Minimum monthly income: ₹20,000
Exclusions
Spending that does not earn reward points
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Government transactions
- Tax payments
- EMI transactions
Compare before you decide
Alternatives based on what you might want instead