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Application for icici platinum credit card

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Annual Fees
Free
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Joining Fees
Free
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Recommended Credit Score
750
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ICICI Platinum Credit Card - Exclusively Beginner’s Card

       Credit cards might seem confusing to people who are new to using them. The ICICI Platinum credit card has been designed to guide new users through the essential benefits required.

       ICICI Platinum Credit Card is a beginner-friendly, lifetime-free credit card that offers benefits and rewards for retail shopping, dining, travel, and more.

What is the ICICI Platinum Credit Card?

       The ICICI Platinum credit card is an no entry-level card and has no joining or annual fees. It is designed for new credit card users and provides basic rewards and spending benefits.

       This card is a guide for users to understand the purpose and benefits of using a credit card. Although the card does not offer greater benefits or offers, it provides more rewards on retail purchases. 

Benefits of ICICI Platinum Card:

      The ICICI Platinum credit card is a basic, free card. It is an excellent option for new credit card users to build their credit scores. It provides various benefits and rewards and allows the user to experience the purpose of a credit card.

Rewards and Services:

     The platinum card offers many rewards on every purchase, which is beneficial for people who make more everyday purchases.

  • You can earn 1 reward point for every Rs. 100 spent on utilities and insurance, including government transactions.

  • On retail purchases (except for fuel), you are provided with 2 reward points

    Note: Rental payments and e-wallet recharges will not accrue reward points.

 

Dining Offers:

     The ICICI credit card provides minimal dining offers for beginner credit card users. The cardholder can save up to 15% on dining bills at more than 2,500 restaurants across the country. Reward points can be provided for total payments.

Contact Less Payment:

     This platinum card is designed for users to benefit from less fast, contactless payments. It ensures a fast lane, flexible payment with safety, and simultaneously rewards for future benefits. 

Cash Advance Option:

    The ICICI card provides a cash advance option through which the cardholder can withdraw cash for emergency purposes. The cash advance charges are applicable at 2.5% of the total amount withdrawn. This is applied to a minimum of Rs. 500. 

Travel Benefits: 

   The Platinum credit card from ICICI offers indirect travel benefits through vouchers as rewards for retail purchases. You can also get lifestyle products, movie tickets, and other merchandise for your reward points. 

Fuel Charge Waiver:

   The credit card from ICICI offers 1% fuel charge waiver on all your transactions made up to Rs. 4,000. This benefit can be used at all the Hindustan petroleum fuel stations across the country.

Online Purchase Discounts:

   On all online purchases using the ICICI platinum credit card, especially on the popular brands that are associated with the bank, exclusive offers, and payment cashback rewards can be availed.

Eligibility to Get ICICI Credit Card:

   No particular criteria or credit scores are required to get the ICICI Platinum card. Yet, some basic criteria are essential to apply for a credit card

  • The applicant should be a resident of India.

  • To be eligible for an ICICI credit card, the applicant should reside in one of the specified cities. (Check if this criteria applies to the Platinum credit card from ICICI at their official website).

  • The cardholder should be between 23 and 60 years of age.

  • The applicant must have a regular income (salaried or self-employed). 

Required Documents:

    The applicants are expected to submit the following along with the duly completed application form as required documents for issuing the ICICI platinum credit card.

 

  • Identification and address proof such as Aadhar card/ PAN card/ Passport/ Driving Licence, etc.

  • Last two months’ salary slip for the salaried applicant.

  • Last three months’ Bank statements for self-employed applicants

    Note: As per their internal terms and conditions, the ICICI Bank may ask the applicants for other documents not mentioned above.

Applied Charges:

    The platinum credit card does not incur joining or annual fees. However, other charges apply to credit cards

  • A cash advance fee of 2.5% of the amount withdrawn is charged for a minimum of Rs.500.

  • As finance charges, cardholders are charged 3.4% (per month) and 40.8% (per annum).

  • The late credit payment fee is also applicable, ranging from Rs. 100 to Rs. 1,200, based on the credit balance amount to be repaid.

FAQs:

  1. Who can get the ICICI platinum credit card                
          Ans: Anyone who wishes to try a credit card, especially beginners, can apply for the ICICI platinum credit card

  2. What are the key benefits of the ICICI credit card?
          Ans: The ICICI Platinum card provides many benefits, including retail shopping, online purchases on many brands, dining and travel rewards, and everything with no annual fees

  3. Can I apply for a platinum credit card from ICICI without an account from the bank?  
         Ans: Yes. Anyone can apply for a Platinum card from ICICI, irrespective of their bank account in the ICICI bank. It is a beginner credit card and can be applied by anyone with or without a bank account from ICICI

  4. What is the cash advance fee for ICICI platinum card users
        Ans: The bank charges a 2.5% cash advance fee of a minimum amount of Rs. 500, which may increase further based on the withdrawn cash

  5. How can I check the status of my application for an ICICI credit card?
       Ans: You can check your application status by visiting the bank's official website and selecting Track Application under the Customer Services option. You can also check the status offline.

  6. What is the finance charge for the ICICI Platinum credit card?
       Ans: The finance charges for the platinum credit card are 40.8% per annum and 3.4% per month. To avoid these charges, cardholders can repay the credit amount monthly on or before the due date.

  7. What credit score is needed to apply for the platinum credit card from ICICI?
       Ans: No credit score is needed to apply for an ICICI platinum card. This card has been designed for beginners to experience basic rewards without annual and joining fees.

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