एलिगो (Eligo) सरकारी योजनाओं की खोज हेतु भारत का स्वतंत्र नागरिक सूचना मंच है — किसी भी सरकारी निकाय से संबद्ध नहीं।

Eligo
हिन्दी
Englishenहिन्दीhiதமிழ்taతెలుగుteमराठीmrবাংলাbn
वेतनभोगी एवं दैनिक उपयोग (Salaried)नेटवर्क: Visa / Mastercardसत्यापित: 2026-09-28 (180-दिवसीय SLA)

आईसीआईसीआई प्लेटिनम चिप क्रेडिट कार्ड

जारीकर्ता बैंक / संस्था: ICICI Bank Ltd.

Unconditionally Lifetime Free (LTF) credit card with zero annual fees, microchip security, and 1% fuel surcharge waiver.

वार्षिक शुल्क (Annual Fee)Lifetime Free (₹0 Joining Fee / ₹0 Annual Fee)
शुल्क माफी खर्च सीमाUnconditionally Lifetime Free (LTF) with zero annual maintenance fees.
रिवॉर्ड दर (Reward Rate)2 ICICI Reward Points per ₹100 spent on all retail transactions (excluding fuel). 1 Reward Point per ₹100 on utilities and insurance categories.
ब्याज प्रभार (APR)3.50% per month (42.00% per annum) on revolving balances.

💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)

कार्ड का संक्षिप्त विवरण

ICICI Platinum Chip Credit Card is one of India's most popular lifetime-free starter cards for first-time employees and students establishing their initial credit score. It comes with zero joining fee, zero annual renewal fee forever, microchip fraud protection, and Culinate dining discounts.

स्वागत लाभ (Welcome Benefit)

Lifetime free card issuance with zero joining fee and microchip fraud protection.

एयरपोर्ट लाउंज एक्सेस (Lounge Access)

No complimentary airport lounge access is included on this lifetime-free starter card.

ईंधन अधिभार छूट (Fuel Surcharge Waiver)

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 across all HPCL petrol pumps.

माइलस्टोन खर्च लाभ (Milestone Perks)

No milestone requirements; card is completely free for life with zero recurring maintenance charges.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹20,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹3,00,000.

न्यूनतम वार्षिक आय आवश्यकता

₹20,000/month (Salaried) / ₹3,00,000/year ITR (Self-Employed)

CIBIL स्कोर आवश्यकता: A credit score of 700+ is standard. Frequently issued as a first card to newly opened ICICI salary accounts.

📂आवश्यक दस्तावेज (Required Documents)

1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.

⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)

No airport or railway lounge access. Modest reward rate of 0.50% (2 points per ₹100 at ₹0.25/point). Standard 3.50% forex markup.

विलंब भुगतान शुल्क: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).
एटीएम नकद निकासी शुल्क:2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.50% monthly finance charges.
विदेशी मुद्रा मार्कअप:3.50% + GST on foreign currency transactions.

🚀आवेदन के चरण (How to Apply)

Step 1: Visit icicibank.com/cards or check iMobile Pay app. Step 2: Enter PAN and mobile number for instant eligibility check. Step 3: Select ICICI Platinum Chip Credit Card. Step 4: Confirm employment details and monthly salary. 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.

आधिकारिक कार्ड पोर्टल पर जाएंआधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What happens if I miss the minimum payment due on ICICI Platinum Chip 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 Platinum Chip 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 Platinum Chip 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 (effective 0.50% base return). Redeemable for catalog merchandise, retail vouchers, or statement cash credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on ICICI Platinum Chip Credit Card and how does it work?

The interest-free period on ICICI Platinum Chip 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.