आईसीआईसीआई बिजनेस प्लेटिनम क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: ICICI Bank Ltd.
Commercial credit card for SMEs and traders providing cash flow management, consolidated GST invoicing, and 1 lounge visit per quarter.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
ICICI Business Platinum Credit Card is an SME commercial credit solution designed for sole proprietorships, partnerships, and small business owners. It provides cash flow flexibility with up to 50 days of interest-free credit, consolidated GST billing reports, and 1 domestic airport lounge visit per quarter.
Bonus ICICI Reward Points credited upon fee realization and first commercial transaction.
1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.
Consolidated monthly GST tax invoices with categorized input tax credit (ITC) reconciliation. Annual fee reversal on ₹1 Lakh spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Self-employed proprietors, business owners, and directors aged 21 to 65 with audited annual ITR exceeding ₹6,00,000.
न्यूनतम वार्षिक आय आवश्यकता
Audited business ITR > ₹6,00,000/year (Self-Employed / Business)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card of Business Entity and Individual Authorized Signatory 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID of applicant 3. Business Proof: GST Certificate, Udyam Registration, or Shop & Establishment License 4. Financial Proof: Latest ITR computation sheet and 6 months' current account bank statements.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Requires registered business entity proof (GST, Udyam, or Trade License). Domestic lounge access is conditional upon ₹35,000 quarterly spend. Forex markup is standard 3.50%.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit icicibank.com/business-cards or contact branch commercial desk. Step 2: Enter Business entity PAN and GSTIN for automated verification. Step 3: Submit audited balance sheets and ITR acknowledgment for last 2 years. Step 4: Designate primary cardholder (Proprietor or Director) with personal KYC. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on ICICI Business Platinum Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on ICICI Business Platinum Credit Card into EMI?
Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on ICICI Business Platinum Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 against business merchandise catalog or statement balance credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on ICICI Business Platinum Credit Card and how does it work?
The interest-free period on ICICI Business Platinum Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.