Platinum Chip Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- No complimentary lounge access is offered on this card.
3.5%Forex markup
Best for
Lifetime Free, Entry Level, Rewards, Fuel
Top rewards
Retail Spends: 2 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent
RuPay Platinum Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Rupay, UPI, Lifetime Free, Rewards, Fuel
Top rewards
UPI Spends: 2 Reward Points / ₹150 spent; Other Eligible Spends: 2 Reward Points / ₹150 spent
| Feature | Platinum Chip Credit Card | RuPay Platinum Credit Card |
|---|---|---|
| Issuer | ICICI Bank | HSBC Bank |
| Network | Visa, Mastercard | RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Reward Points | Reward Points |
| Best for | Lifetime Free, Entry Level, Rewards, Fuel | Rupay, UPI, Lifetime Free, Rewards, Fuel |
| Top reward categories | Retail Spends: 2 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent | UPI Spends: 2 Reward Points / ₹150 spent; Other Eligible Spends: 2 Reward Points / ₹150 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.5 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, Tax payments, EMI transactions | Fuel transactions, Rent payments, Wallet loading transactions, Educational spends, Government-related transactions, Insurance premium payments |