What are the main fees associated with the Platinum Chip Credit Card?

The Platinum Chip Credit Card is lifetime free, meaning it has no joining or annual fees. However, a ₹99 + GST fee applies per reward point redemption request.

How do I earn reward points with the Platinum Chip Credit Card?

With the Platinum Chip Credit Card, you earn 2 reward points for every ₹100 spent on retail purchases and 1 point on utility and insurance payments, with up to 12x points on iShop.

Is there a fuel surcharge waiver on the Platinum Chip Credit Card?

Yes, the Platinum Chip Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at HPCL pumps.

What is the foreign currency markup for the Platinum Chip Credit Card?

The foreign currency markup for the Platinum Chip Credit Card is 3.5% on all international transactions.

Can I redeem my reward points for cashback using the Platinum Chip Credit Card?

Yes, you can redeem your earned reward points for cashback by contacting ICICI Bank's customer care on the dedicated number.

Does the Platinum Chip Credit Card offer EMI conversion?

Yes, the Platinum Chip Credit Card provides an easy EMI conversion facility, allowing you to convert purchases into convenient EMIs.

How secure is the Platinum Chip Credit Card?

The Platinum Chip Credit Card features an embedded microchip and requires a PIN for in-person transactions, providing enhanced security against fraud.

Who is eligible to apply for the Platinum Chip Credit Card?

Indian citizens aged 21-65 with a stable monthly income of at least ₹20,000 (salaried or self-employed) and a decent credit score are eligible for the Platinum Chip Credit Card.

What is the value of one reward point on the Platinum Chip Credit Card?

With the Platinum Chip Credit Card, 1 Reward Point is equivalent to ₹0.25 when redeeming for various categories or cashback.

ICICI Bank

ICICI Bank Platinum Chip Credit Card

Q: What are the dining benefits of the Platinum Chip Credit Card?

Platinum Chip Credit Card holders can enjoy up to 15% discount on dining through the ICICI Bank Culinary Treats Programme at over 2500 restaurants.

ShoppingDiningFuel

Last updated: 27 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Earn 2 RP for ₹100 retail, 1 RP for ₹100 utility/insurance. Up to 12x RP on iShop.

Reward Type

Reward Points

Reward Redemption

Redeem points for cashback, gifts, health, travel, shopping vouchers, home appliances, electronics, fashion.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

Avail up to 15% discount on dining through the ICICI Bank Culinary Treats Programme across 2500+ restaurants in India.

Travel Benefits

Not Applicable

What matters, explained clearly

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Frequently Asked Questions

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