ICICI Bank Platinum Chip Credit Card
The ICICI Bank Platinum Chip Credit Card is a zero annual fee starter card ideal for building credit history.
Beginner & Zero Fee Fit Score
94/100
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
0.5
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
15/35
Fee Value & ROI
25/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
ICICI Bank Platinum Chip Credit Card Benefits
ICICI Bank Platinum Chip Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.5%
Earn rate
₹0.25
Per point
ICICI Bank Platinum Chip Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
ICICI Bank Platinum Chip Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
🎉 Zero Annual Fee — 100% Net Profit
ICICI Bank Platinum Chip Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
ICICI Bank Platinum Chip Credit Card Eligibility
Employment type
Pros & Cons
- Completely lifetime free credit card
- Simple beginner-friendly rewards structure
- Good entry-level card for building credit history
- Fuel surcharge waiver adds everyday savings
- Decent ICICI merchant offers on dining and shopping
- Easy approval for salaried first-time users
- Contactless payments and EMI features included
- No airport lounge access
- Reward redemption value is relatively low
- Base reward rate is weaker than modern cashback cards
- Forex markup is high for international spends
- Best rewards require iShop usage
- Limited travel and premium lifestyle benefits
- Reward exclusions apply on fuel, rent, wallet loads & government payments
Who is this card for?
Students, young professionals or anyone new to credit who wants a fee-free card to build credit history. No significant rewards — the primary purpose is access and credit score building.
Quick Links
Data last updated 1 Sept 2026
Calculate your exact earnings with ICICI Bank Platinum Chip Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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