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Choose ICICI Credit Card For Yourself To Enjoy Several Benefits

ICICI Bank is one of the leading private banks of India that provide a range of banking products to its customers. Credit Card is one of the most popular products that so many individuals opt for as everybody is familiar with the extensive benefits credit cards can get. ICICI Credit Card could be a suitable choice for those individuals who are looking to enjoy an array of reward programs and cashback offers. Also, these offers and reward programs span across various categories such as travel, entertainment, dining, shopping both online and offline, etc.


There are so many credit cards that ICICI Bank provides from which people can choose according to their convenience and spending habits. In this article, we will cover one of the ICICI Credit Cards that can be availed by an individual which is lifetime free if applied online. The Card is known as the ICICI Bank Platinum Chip Credit Card which is pretty popular among the users due to the several offers provided by this card. We will be telling you about all of its features, how you can apply for it and how you can make ICICI Credit Card payment in a hassle-free manner. So, let’s start reading the article. 


Let’s know the Features of ICICI Bank Platinum Chip Credit Card


If you want to opt for this ICICI credit card, you must know its features so that you can make the right decision. You can have a look at all of them below. 


PAYBACK Points


  • ICICI Bank provides PAYBACK, which is India’s largest reward program so that you can earn rewards on everyday spendings whether they are small or big.  

  • The exciting thing about an ICICI Credit Card is that you don’t only earn PAYBACK points on spending but also when you use your card with the partner brands of the ICICI Bank. 

  • So, when you make any retail spends of INR 100 except Fuel, you will earn 2 PAYBACK points. 

  • When you spend on Utilities and Insurance categories, you will earn 1 PAYBACK point on every INR 100 spend. 

  • You must be thinking about what you should do with all these PAYBACK points? Well, with the help of your ICICI PAYBACK Redemption program, you can redeem all the earned reward points across categories such as Movie, Travel Vouchers, Lifestyle Products, Appliances, etc. 


Additional Benefits


  • On making any fuel transactions upto INR 4,000 on HPCL Petrol Pumps, you will get a 1% Fuel Surcharge waiver. You just need to swipe your ICICI Credit Card on ICICI Merchant Swipe Machines.

  • ICICI Credit Card comes with an embedded microchip with which you can save yourself from any fraud or duplication. 


Fees and Charges


  • The most amazing thing about this ICICI Credit Card is you don’t need to pay any joining or annual fee to get the card. This is one of the reasons why individuals opt for this credit card. Other than the primary credit card, you will get an additional card for your family, parents, siblings above 18 years of age without any extra cost. 

  • The only condition to get this ICICI Credit Card is an individual must be above 23 years of age. 


How to Apply for an ICICI Credit Card?


Now after knowing about so many features of the ICICI Credit Card, you must want to know the application process. Well, you just need to go to the official website of the ICICI Bank and by filling a few basic details, you can apply for this card. Apart from this, you can just text “PLAT” to 5676766 from your mobile number and the representatives from the ICICI Bank will call you. To make the ICICI Credit Card Payment, you just need to login to your Net Banking and pay the amount from there. It is important to pay your credit card bill on time so that your credit score does not affect you in a negative way. 
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