ICICI Bank Platinum Chip Credit Card
A lifetime-free entry points card: 2 points per ₹100 on retail spends and 1 on utilities and insurance, with a 1% fuel surcharge waiver at HPCL pumps. Every figure below is copied from ICICI Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Utilities and insurance (government payments count as utilities) | 1 point per ₹100 Product page | no cap on record |
| Retail spends | 2 points per ₹100 Product page | no cap on record |
ICICI Bank publishes no rupee value for these points; redemption is through the ICICI Bank Rewards catalogue, with a ₹99 + GST handling fee per request.
No rewards on
- Rent and wallet loads (from 5 Feb 2024) Terms
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived at HPCL pumps on fills of ₹400 to ₹4,000 (no cap stated) Product page
Also on this card
Quoted from ICICI Bank; not counted in the net value.
- No joining or annual fee Product page
- Purchases can be converted to EMIs Product page
Eligibility
- Age 21 or above Product page
- Age 65 or below Product page
- Indian citizen Product page
- Salaried or self-employed Product page
- Salaried: monthly income of ₹20,000 Product page
- Self-employed: monthly income of at least ₹20,000 Product page
Not published by ICICI Bank in the documents read
- the rupee value of a reward point (ICICI Bank says points have a redemption value set by the Bank)
- the card network
- a RuPay variant for UPI
- whether fuel spends earn reward points
- a monthly cap on the fuel surcharge waiver
The quotes behind the figures
19 figures, each copied from an official ICICI Bank document.
Show every quote and source
“Joining Fee- Nil Annual Fee- Nil”
“Forex Markup 3.5%”
“Earn Points on every ₹100 spend 2 On Retail Spend 1 On Utility & Insurance Spend”
“Starting 05 February 2024, the government transactions will be included under utility payment transactions.”
“From 05 February 2024, rent pay and e-wallet loading transactions will not accrue any reward points.”
“Rewards on Everyday Spends Platinum Chip Credit Card Apply Now”
“No. Reward points are not equivalent to currency and have a redemption value determined by the Bank.”
“Cardholders can avail of a 1% fuel surcharge waiver on all fuel transactions of ₹400 to ₹4,000 at HPCL fuel outlet in India.”
“If only minimum due is paid Pay 3.75% interest per month”
“For late bill payment Ranging from ₹100 to ₹1300”
“Yes. A Redemption Handling Fee of ₹99 plus applicable GST is charged for every redemption request.”
“Get a 1% waiver on fuel transactions worth ₹400 - ₹4,000 at HPCL pumps.”
“The Platinum Chip Credit Card has no joining fee or annual fee.”
“Easy EMI Conversion Shop now and pay later”
“An Indian citizen over 21 years of age*”
“You must be between the ages of 21-65 years to be eligible to apply for an ICICI Bank Platinum Chip Credit Card.”
“Self-employed with a monthly income of at least ₹20,000*”
“The salaried individual with a monthly income of ₹20,000*”
“APPLY NOW Platinum Chip Credit Card: Fees & Charges”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with ICICI Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is ICICI Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology