ICICI Bank
ICICI Bank American Express Platinum is the most prestigious credit card in ICICI Bank's portfolio, positioned for ultra-high-net-worth individuals (UHNIs) and C-suite executives who demand the very best in travel privileges, lounge access, and international benefits. As an American Express card, it offers access to the Amex Global Lounge Collection — the world's largest network of airport lounges, covering over 1,000 airport lounges across 130+ countries. The card's unlimited domestic airport lounge access at 100+ airports in India through the Amex network is a standout feature, as most premium cards cap lounge visits at 8-12 per year. For frequent domestic travellers — particularly those who fly multiple times per month for business — unlimited lounge access can be worth lakhs of rupees annually in saved lounge entry fees. The zero forex markup on international transactions is the best in the Indian credit card market. Most credit cards charge 2-3.5% forex markup on foreign currency transactions; the Amex Platinum charges nothing, making it the default card for anyone who travels internationally or shops on international websites. On ₹5 lakhs of annual international spends, this saves ₹10,000-₹17,500 compared to other premium cards. The 1% value back on all spends — without any category restrictions, caps, or conditions — is refreshingly simple. Unlike many premium cards that offer 5% on specific categories with monthly caps, the Amex Platinum delivers 1% on everything, everywhere. For high spenders, this simplicity is a significant advantage. Premium concierge services provide 24/7 assistance for travel bookings (flights, hotels, holiday packages), restaurant reservations at exclusive establishments, and entertainment event bookings including concerts and sporting events. The complimentary golf games at prestigious courses across India and abroad — 6 per year — is a valued benefit for business executives. Source: ICICI Bank official website, updated May 2026.
| Feature | Details |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹1,000 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
The ICICI Bank Amex Platina from ICICI Bank is a an annual fee of ₹1,000 credit card aimed at Indian consumers who want a clear rewards-plus-lifestyle proposition without paying for an invite-only metal card.
Who should consider the ICICI Bank Amex Platina
Pick the ICICI Bank Amex Platina if you are a salaried professional earning ₹8 LPA or more, or a self-employed applicant with a stable ITR history of two years or longer, and you typically spend ₹40,000–₹80,000 a month on retail purchases. The card's reward structure works best when the majority of your monthly swipe volume is concentrated in accelerated categories such as dining, groceries, fuel, or travel booked through the issuer's portal. Frequent flyers who already pay for at least four domestic lounge visits a year will get the most out of the included lounge access, while shoppers who use UPI for most transactions should be aware that most banks still cap reward points on UPI spends at a lower rate.
Who should look elsewhere
If you are an early-career professional with under ₹5 LPA in declared income, prefer a lifetime-free starter card (such as an entry-level RuPay variant) and revisit the ICICI Bank Amex Platina after one full financial year of stable income. Travellers who redeem most of their points for international flights will likely find a dedicated travel card with milestone-based foreign-currency benefits more rewarding. Finally, if you regularly carry a balance from month to month, the ICICI Bank Amex Platina (and credit cards in general) are an expensive borrowing tool at industry-standard 36–42% annualised interest — a small personal loan is almost always cheaper for sustained debt.
How we picked it for our shortlist
Our editorial team only considers cards whose issuers are RBI-licensed and publish their schedule of charges in the public domain. We score the ICICI Bank Amex Platina on five axes — annual fee versus benefits, reward rate, lounge and travel benefits, customer service responsiveness, and digital experience (mobile app, controls, instant card freeze). When the issuer changes pricing, we re-test the card and update this page within seven working days. The full methodology lives in our editorial policy.
Bottom line
The ICICI Bank Amex Platina is a sensible mid-tier rewards card for someone who pays their statement in full every month and uses the welcome benefit, lounge access, and accelerated rewards with intention. If your spending profile does not match the card's reward map, a more focused card will always deliver better net value.
| Feature | ICICI Bank Amex PlatinaICICI Bank | American Express Membership RewardsAmerican Express | Axis Bank AtlasAxis Bank | HDFC Bank Diners Club BlackHDFC Bank |
|---|---|---|---|---|
| Issuer | ICICI Bank | American Express | Axis Bank | HDFC Bank |
| Joining Fee | ₹500 | ₹2,500 | ₹2,500 | ₹2,500 |
| Annual Fee | ₹1,000 | ₹4,500 | ₹5,000 | ₹10,000 |
| Interest Rate | — | — | — | — |
| Reward Rate | [object Object]% | [object Object]% | [object Object]% | [object Object]% |
| Lounge Access | Yes | Yes | Yes | Yes |
| Rating | — | — | — | — |
Have these ready before you start the online application. Most issuers verify digitally through CKYC and video-KYC, so physical copies are rarely needed.
Review the eligibility criteria above and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.
If you spend ₹50,000/month on this card, EMI for ₹60,000 over 12 months ≈ ₹6,027.73/month at 36% p.a.
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