ICICI Bank
ICICI Bank Platinum Chip Credit Card
Your rating
Community rating
Joining Fee
Free
Annual Fee
Free
Reward Rate
0.5%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
0.5%
Earn rate
₹0.25
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 18 Mar 2026