ICICI Bank
ICICI Platinum Chip Credit Card
Lifetime-free starter card
Lifetime free
Annual fee
Free
Reward rate
4x
Min. income
₹2,40,000
ICICI Platinum Chip is lifetime-free: 2 reward points per Rs 100 on retail spends, 1% fuel surcharge waiver at HPCL pumps and a 3.5% forex markup.
Read the full application walkthrough: ICICI Platinum Chip Credit Card apply guide.
Fees and charges
- Joining fee: Rs 0 — Nil joining fee
- Annual fee: Rs 0 — Nil annual fee
- Forex markup: 3.5%
- Late payment fee: Rs 100 to Rs 1,300 depending on outstanding slabs
Rewards
- ALL: 2 Reward Points per Rs 100 on retail spends; 1 Reward Point per Rs 100 on utility and insurance spends; exclusions apply
Benefits
- No fees for life: Nil joining fee and nil annual fee, per the issuer’s fee table
- Fuel surcharge waiver: 1% waiver on fuel transactions of Rs 400-4,000 at HPCL outlets, applied automatically
- Chip and PIN security: Embedded EMV chip with PIN-based POS authentication against counterfeiting
- EMI conversion: Purchases convertible into EMIs (shop now, pay later) on the card
Eligibility
- Minimum income: Rs 2,40,000 per annum
- Age: 21-65 years Indian citizens aged 21-65; salaried or self-employed with at least Rs 20,000/month income; ID, address and income proof via DigiLocker.
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Issuer: ICICI Bank. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.