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How To Get an ICICI Credit Card Against a Fixed Deposit?

Since the inception of credit cards into the Indian market, more and more people are leaning towards having a credit card in their pockets. One of the main reasons behind this shift is the convenience and rewards a credit card provides to the customers. Also, individuals don’t need to provide any security against the credit card they get. However, if you are someone who has a poor credit score and wants to get a card, ICICI Credit Card can be a good option for you. Let us tell you why? Individuals can apply for this credit card from ICICI Bank against a fixed deposit. 


ICICI Bank Instant Platinum credit card is one of the most popular secured credit cards that individuals can opt for without any worry. Here, secured means individuals cannot get their credit cards without having a fixed deposit in the bank. If you are someone who is struggling with a poor credit score and want to improve it over time, this secured ICICI credit card can be a good option for you. The only thing you need to remember is to make timely ICICI credit card payment and spend accordingly on your credit card. 


In this article, we will discuss the features of the ICICI Bank instant platinum credit card so that you can understand better! Keep reading to know more!


Features of Instant Platinum ICICI Credit Card that You Should Know


If you are someone who is looking for an instant and free credit card along with building your credit score gradually, the Instant Platinum ICICI credit card could be the right choice for you. We are showing you some of the key privileges of this secured credit card so that you can understand better. Have a look!


  1. One of the most exciting and useful features of this credit card from ICICI Bank is for individuals who love watching movies in theatres. When you book a minimum of two movie tickets on BookMyShow with your secured credit card, you can enjoy up to 25% discount up to INR 100. However, you can enjoy this feature up to a maximum of 2 times a month. 

  2. This ICICI credit card comes with built-in contactless technology, with which you can make quick and secure payments at retail outlets across all Indian cities. 

  3. When you spend with your credit card from ICICI bank on different things, you will get reward points that can be redeemed against cash. Whenever you spend INR 100 on any category except fuel, you can earn 2 PAYBACK points. Suppose you spend INR 500 on groceries, you will get 10 reward points. 

  4. With this card, you will also get to enjoy exclusive dining offers via the ICICI Bank Culinary Treats program. So, if you are someone who loves to dine on weekends, you can enjoy it quite much. 

  5. One of the most popular features of this ICICI credit card is that individuals can enjoy a low-interest rate of 2.49% per month. However, you won’t need to pay any interest if you make a full ICICI credit card payment against outstanding. So, you can earn interest on your fixed deposit and use the instant card to manage your day-to-day activity.

  6. There is no joining fee or renewal fee on the credit card that you will need to pay. Also, there is no fee for the supplementary credit card too. 


How to Apply for Instant Platinum ICICI Credit Card?


The application process for Instant platinum ICICI credit cards is quite simple and can be done by any individual. First, you will need to open a fixed deposit with ICICI Bank for a minimum deposit amount of INR 20,000. Also, the minimum tenure has to be 180 days. After this, you can either apply online or visit the nearest branch to get your card. Do remember that the credit limit on your card will be somewhere around 90% of your fixed deposit.

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