Key Features & Benefits
- ✦2 Reward Points per ₹100 on all eligible spends
- ✦Zero joining fee and zero annual fee — lifetime free
- ✦1% fuel surcharge waiver
- ✦Secure EMV chip card for enhanced protection
- ✦ICICI Bank Culinary Treats — dining discounts at select restaurants
- ✦Contactless payment enabled (NFC)
- ✦Add-on card facility for family members
- ✦Convert purchases to EMI at select merchants
- ✦25% discount on movie tickets at BookMyShow
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Welcome & Joining Benefits
- ✦Apple product offers on activation
- ✦Activation gift vouchers from partner brands
Milestone Benefits
- ✦No specific milestone benefits listed
Pros & Cons
✓ Advantages
- ✓Completely free — no fee ever
- ✓Good entry into ICICI Bank credit ecosystem
- ✓Helps build/establish credit history at no cost
- ✓Available as secured card against Fixed Deposit
- ✓Movie discount at BookMyShow
✗ Disadvantages
- ✗Very basic — 2X rewards only
- ✗No lounge access
- ✗No travel or lifestyle benefits
- ✗Forex markup of 3.5% — not for international
Frequently Asked Questions
Can I get this card without salary — against a Fixed Deposit?▼
Yes — the ICICI Instant Platinum Credit Card is issued against a Fixed Deposit of ₹20,000 or more. This makes it available even to students or those with no credit history.
Is this truly lifetime free?▼
Yes, the Platinum Chip Credit Card has no joining fee and no annual fee ever. It is genuinely free for lifetime use.
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