CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Lifetime FreeLast updated: 13 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2 Points per ₹100 on retail spends
Earn 2 ICICI Reward Points per ₹100 spent on all retail purchases (excluding fuel). Earn 1 Reward Point per ₹100 spent on utilities and insurance. Base redemption value is approximately ₹0.25 per point.
Redeem for
The privileges that come bundled in, beyond the reward points.
1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL petrol pumps
Minimum 15% savings on dining at over 2,500 participating restaurants via the ICICI Culinary Treats Programme
Built-in contactless technology for quick and secure tap-and-pay transactions at retail outlets
An honest read on where this card earns its keep — and where it doesn't.
Lifetime free credit card with zero joining and annual fees
Excellent entry-level card for building credit history with ICICI Bank
Good dining discounts through the ICICI Culinary Treats program
Available on both Visa and Mastercard networks
Very low base reward rate (yielding ~0.5% return on spend)
No complimentary airport lounge access
Fuel surcharge waiver is strictly restricted to HPCL pumps
Lacks premium lifestyle or travel benefits
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how ICICI Bank Platinum Chip Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for ICICI Bank Platinum Chip Credit Card.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about ICICI Bank Platinum Chip Credit Card fees, reward conversion, lounge access, and application eligibility.
Yes, ICICI Bank Platinum Chip Credit Card is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
ICICI Bank Platinum Chip Credit Card earns ICICI Reward Points at a primary rate of 2 Points per ₹100 on retail spends. Specifically, Earn 2 ICICI Reward Points per ₹100 spent on all retail purchases (excluding fuel). Earn 1 Reward Point per ₹100 spent on utilities and insurance. Base redemption value is approximately ₹0.25 per point.. Spends in Shopping, Entry Level, Lifetime Free categories provide the maximum valueback per transaction on this card.
Rewards earned on ICICI Bank Platinum Chip Credit Card can be redeemed for ICICI Rewards Catalogue, Pay with Rewards, Gift Vouchers via ICICI Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
A CIBIL credit score of 700 or above is strongly recommended for approval of ICICI Bank Platinum Chip Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
ICICI Bank Platinum Chip Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
ICICI Bank Platinum Chip Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
ICICI Bank Platinum Chip Credit Card currently features a welcome offer: "Lifetime Free Credit Card with absolutely no joining fees or annual fees.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Lifetime free credit card with zero joining and annual fees and Excellent entry-level card for building credit history with ICICI Bank. However, keep in mind that Very low base reward rate (yielding ~0.5% return on spend) and No complimentary airport lounge access. Overall, ICICI Bank Platinum Chip Credit Card delivers strong value if your regular spending aligns with Shopping, Entry Level, Lifetime Free.
ICICI Bank Platinum Chip Credit Card is focused on Shopping and Entry Level and Lifetime Free valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, ICICI Bank Platinum Chip Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver on transactions up to ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
