LIFETIME FREE Visa, Mastercard 📡 Contactless NFC

ICICI Platinum Chip Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

First-time cardholders, students, and CIBIL score builders wanting a zero-fee starter credit card from ICICI Bank to build credit history with dining discounts.

Who Should Avoid

Users seeking airport lounge access or high accelerated online cashback returns.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Zero joining fee with instant digital approval for eligible ICICI Bank customers

Reward Points on Retail & Utilities

Earn 2 ICICI Reward Points per ₹100 on retail purchases and 1 Reward Point per ₹100 on utilities and insurance.

Culinary Treats Dining Discounts

Save a minimum of 15% on dining bills across 2,500+ partner restaurants with ICICI Bank Culinary Treats.

Lifetime Free Credit Card

Unconditionally Lifetime Free credit card with zero joining and annual maintenance charges.

💰 Reward Structure & Point Valuation

1 ICICI Reward Points = ₹0.25

Standard Base Earning

2 ICICI Reward Points per ₹100 spent on regular retail purchases (0.50% return; 1 RP = ₹0.25); 1 RP per ₹100 on utility bills and insurance

Accelerated / Partner Rate

15% dining savings via ICICI Culinary Treats across 2,500+ restaurants in India

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: ICICI Rewards Portal (Brand Vouchers, Merchandise, Electronics at 1 RP = ₹0.25), Direct Statement Cash Adjustment (1 RP = ₹0.25)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Cash Advances

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access

🛫

Domestic Lounge VisitsNone

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Unconditionally Lifetime Free (LTF) credit card with zero joining and annual fees

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions up to ₹4,000 at HPCL petrol pumps (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹20,000

Min. Credit Score700 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% to 3.85% per month (42.0% to 46.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the ICICI Platinum Chip Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

Personalized Card Matcher

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Frequently Asked Questions

Yes, the ICICI Platinum Chip Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.