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ICICI Bank
ICICI Bank Platinum Chip Credit Card
Visa
ICICI Bank Platinum Chip Credit Card
ICICI's lifetime-free, no-frills entry card offering chip-and-PIN security and modest retail rewards for first-time credit card users.
Rates and fees last verified 14 September 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Entry
Reward rates by category
- Utilities1%
Eligibility
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 1% fuel surcharge waiver on transactions between ₹400-₹4,000 at HPCL pumps
- At least 15% dining discount at 2,500+ restaurants via the Culinary Treats Programme
Pros
- + Lifetime free — no joining or annual fee
- + Chip & PIN embedded security
- + 2 points per ₹100 on retail spend
Cons
- − No lounge access
- − Reward point value is modest (~₹0.25/point)
- − Very limited travel or lifestyle benefits
Applying takes you to ICICI Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.