ICICI Bank Platinum Chip Credit Card - Benefits, Eligibility, Apply Online

ICICI Bank Platinum Chip Credit Card

The ICICI Bank Platinum Chip Credit Card is a versatile financial tool that provides a wide range of benefits to its users. It offers enhanced security features, attractive rewards programs, and financial flexibility. Let’s delve into the various facets that make this credit card a valuable asset.

Understanding the Platinum Chip Technology

The ICICI Bank Platinum Chip Credit Card is equipped with an embedded microchip, elevating security standards. This Platinum Chip technology adds an extra layer of protection to your transactions, significantly reducing the risk of fraud. With the transition from traditional magnetic stripe cards to chip-based technology, users can embrace a more secure and seamless payment experience.

No Joining Fee, No Annual Fee

One of the standout features of this credit card is its affordability. There’s no joining fee, allowing users to embrace the benefits without an initial financial burden. The annual fee is also waived, presenting a cost-effective solution for those seeking a valuable ICICI credit card experience.

ICICI Bank Rewards Program

The ICICI Platinum Chip Credit Card ensures that every spend is a rewarding experience. Earn up to 2 ICICI Bank Reward Points for every Rs 100 spent on retail purchases, excluding fuel. These accumulated points can be redeemed for a wide array of products and services available on the ICICI Bank Rewards platform.

Smart Fuel Management

This credit card offers a 1% waiver on fuel surcharge, valid on a maximum spend of Rs 4,000 per transaction at all HPCL pumps. This feature not only encourages smart fuel management but also contributes to tangible savings with every fill-up.

Secure Online Transactions

In the digital age, online transactions are integral to our daily lives. The ICICI Platinum Chip Credit Card ensures secure and hassle-free online shopping experiences. The Platinum Chip technology, coupled with ICICI Bank’s robust security protocols, instils confidence in users, making online transactions a seamless affair.


Let’s consider a scenario where a cardholder, Mr Sharma, regularly commutes to work and frequently shops online. The embedded chip ensures that his transactions are secure, whether he’s filling up his car at an HPCL pump, buying daily essentials, or indulging in a bit of retail therapy online. The ICICI Bank Rewards Points earned with each transaction add up, allowing Mr Sharma to redeem them for a range of products or services, enhancing the overall value of his purchases.

Exclusive Lounge Access

The perks of the ICICI Bank Platinum Chip Credit Card extend beyond transactions. Cardholders can revel in luxury with complimentary access to domestic airport lounges. The perfect respite during travel, these lounges offer a comfortable space to unwind, enjoy gourmet meals, and avail of various amenities.

How to Acquire Your ICICI Bank Platinum Chip Credit Card?

Obtaining the ICICI Bank Platinum Chip Credit Card is a straightforward process. Applicants can visit the official website, browse through the credit card options, and select the Platinum Chip variant. The online application form requires essential personal and financial details. Upon verification, the card dispatch to the registered address, ready to unlock a world of financial possibilities.

Fees and Charges

While the benefits of the ICICI Bank Platinum Chip Credit Card are impressive, it’s crucial to understand the associated fees and charges. The card comes with no joining fee, making it accessible to a wide range of users. The annual fee is also waived, provided the cardholder’s spending exceeds Rs 2,50,000 in the previous year.


In conclusion, the ICICI Bank Platinum Chip Credit Card stands as a beacon of financial empowerment. Whether you’re a frequent traveller, an online shopper, or someone who values secure transactions, this credit card caters to diverse needs. With its innovative chip technology, rewarding points system, and cost-effective structure, the ICICI Platinum Chip Credit Card is not just a card; it’s a key to unlocking a world of financial possibilities. Apply today and embark on a journey where every transaction brings you closer to financial freedom.