All cards / ICICI Bank
ICICI Bank
ICICI Bank Instant Platinum Credit Card
Visa
ICICI Bank Instant Platinum Credit Card
A fixed-deposit-secured card with no income proof or credit history requirement — a practical way to build credit, but the reward rate is minimal and your limit is capped by the FD you lock in.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Benefits by category
- 🧾 Utilities
0.25% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 18–60
Benefits
- Credit limit set at up to 90% of a linked fixed deposit (minimum ₹20,000 FD, 180-day tenure)
- 1% fuel surcharge waiver on transactions between ₹400–₹4,000
Pros
- + No income proof or credit history needed — approval backed by an FD
- + Zero joining/annual fee
- + Good first card for building a credit history
Cons
- − Requires locking a minimum ₹20,000 FD for 180+ days
- − Very thin reward rate
- − Credit limit is capped by the FD amount, not your spending capacity