ICICI Bank Platinum Chip Credit Card is a simple and effective credit card offered by the ICICI bank. This card makes a statement by the loads of schemes and offers that it has for its bearer. But the fact is that it is also easy to manage. So this is what makes it stand out and more competitive as compared to the other products in this same segment. The security of your funds and information is ensured with this card as it has an in-built chip to make payments. Hence, no risk of fraud! One of the most attractive feature of this card is that it allows you to earn PAYBACK points which can be redeemed for gifts or vouchers making you earn as you spend. Know more about this lifetime free credit card down below!
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To,TransUnion CIBIL Limited[Formerly known as Credit Information Bureau (India) Limited]One Indiabulls building ,Unit No 1901 – 1905,19th Floor, Tower 2A-2B, Jupiter Mill compound,Senapati Bapat Marg, Lower Parel, Mumbai 400 013
Sub: Grant of Consent
Dear Sirs,
In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Wishfin and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:
- The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.
- I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
- I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
- I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL.
- I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company
- I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Wishfin authorizing Wishfin to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Wishfin to obtain my Consumer Credit Information .
- I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information from TUCL.
- By submitting this registration form, I understand that I am providing express written instructions for Wishfin to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Wishfin account. I further authorize Wishfin to retain a copy of my information for use in accordance with [Wishfin’s] Terms of Use and Privacy Policy.
- I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
- I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Wishfin . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.
- I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.
Yours faithfully,
Name :____________________________Address : ____________________________Date : ____________________________
Features of ICICI Bank Platinum Chip Credit Card
Some of the main features of ICICI Bank Platinum Chip Credit Card are listed below:
- 23 years old and above can easily get this credit card from the ICICI Bank
- 1% waive on fuel surcharge at the time of fuel purchase. But this is applicable up to ₹4,000 transaction only. So, swipe your card at the HPCL pumps to get this benefit.
- Every retail purchase on categories worth ₹100 (except fuel), gets you 2 PAYBACK points.
- Also redeem 2,000 PAYBACK points at any HPCL Fuel Stations. These worth ₹500
- With Culinary Treats Program of the ICICI Bank get a minimum discount of 15% on your dining bills at 2,500+ restaurants across the nation.
- On a total spending of ₹50,000 and more, also get the annual fee waived-off for the next year.
Processing Fees & Additional Charges
Below are listed the charges and fee that the applicant would have to pay at the time of availing the card and subsequently on an annual basis:
- No joining fee needed for the ICICI Bank Platinum Chip Card
- Also no annual fee
- There is no supplementary card fee
- But the bank charges an overdue interest of 3.40% per month on cash advances and overdue amount
ICICI Bank Platinum Chip Credit Card Secure Payments
- This ICICI Bank Credit Card comes with an extra security for the cardholder with personal identification number, also known as PIN.
- So, to make any transaction at the merchant outlet, you need to enter this PIN
- And for online payment security, there is 3D secure
Who can apply for ICICI Bank Platinum Chip Card?
- Age should be between 23 to 60 years
- For an add-on member the age limit is 15 years
- Stable source of income
- Indian nationality
- Good credit score
Documents for ICICI Bank Platinum Chip Credit Card
- Proof of Identity
- Proof of Address
- PAN Card
- ITR or salary slips for the last 2 months
- Passport sized photographs
Terms & Conditions
The terms and conditions for the ICICI Bank Platinum Chip Credit Card are as follows:
- Late Payment Charges: The card bearer would have to pay the late payment charges as follows
- ₹100, if the late amount due is between ₹100-₹500
- ₹500, if the late amount due is between ₹501- ₹10,000
- ₹750, if the late amount due is more than ₹10,000
- Over limit charges: ICICI bank charges 2.50% (a minimum of ₹500) on the over-limit amount. So, if you exceeds the prescribed limit of the card, you need to pay this.
- Grace Period: The interest-free grace period permitted by the bank is from 18 to 48 days.
- Credit and Withdrawal Limit: The Credit and Withdrawal Limit is shared with the card-bearer at the time of hand-over of the card and would also be indicated in the monthly statements.
How Can You Apply for ICICI Bank Platinum Chip Credit Card?
Want to apply? Come online and that too on the website of Wishfin, a premier e-financial marketplace, giving you three choices of application. But these application forms need to be filled online. Also WhatsApp conversation and Wishfin Chat will be there for you to help in this process. So choose from these as per your convenience. But these modes have one thing in common i.e. to give a few personal and professional details before submitting the application.
ICICI Bank Credit Card Customer Care Number for Platinum Chip Card
ICICI Bank offers an efficient Customer Care service to help you with your queries. You can reach out the ICICI Customer Care team by:
- ‘Complaint Form’ which is present on the official website of ICICI Bank
- Toll-free number 1800-102-4242 between 9am to 6pm from Monday to Friday
- Or write to the Nodal Officer at the address mentioned on the official website of ICICI bank
Also for more information on the PAYBACK points, do