Questions about How to Apply for the ICICI Platinum Chip Credit Card in 2026

How to Apply for the ICICI Platinum Chip Credit Card in 2026

Apply for the ICICI Platinum Chip Credit Card with 1 reward point per ₹100 and 1% fuel surcharge waiver. Eligibility and application walkthrough.

FinWiz24 Editorial

Published 11 January 2026

Updated 18 June 2026

3 min read

How to Apply for the ICICI Platinum Chip Credit Card in 2026

The ICICI Platinum Chip Credit Card is a lifetime-free entry-level card with 1 reward point per ₹100 on all retail spends, 1% fuel surcharge waiver, and an EMV chip for added security. The card is the simplest ICICI credit card in the market and is targeted at first-time credit card users and ICICI salary account holders.

Why this matters

Platinum Chip is a useful starter card for users who want an ICICI card with no annual fee, no fee waiver target, and basic rewards. The card serves as a stepping stone to Coral and Sapphiro — ICICI's upgrade algorithm rewards responsible usage with auto-upgrade offers after 12 months.

Card: icici-platinum-chip View Card

How to Apply for the ICICI Platinum Chip Credit Card in 2026

How to

How to Apply for the ICICI Platinum Chip Credit Card in 2026

Apply for the ICICI Platinum Chip Credit Card with 1 reward point per ₹100 and 1% fuel surcharge waiver. Eligibility and application walkthrough.

Time: 10mCost: Free

What you'll need

PAN
Aadhaar
mobile
salary slips (if required)

1
Check Platinum Chip eligibility
You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹15,000. CIBIL score of 700+ is preferred.
2
Apply online via ICICI
Visit icicibank.com → Cards → Credit Cards → Platinum Chip. Click Apply Now. The form is pre-filled if you are an existing ICICI customer.
3
Complete the application
Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment type, employer, and monthly income.
4
Complete Aadhaar eKYC
Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
5
Submit and track
Submit the form. The 12-digit application reference is shown. Track status in iMobile Pay or on the ICICI website. Approval takes 5–10 working days.
6
Receive the card and activate
Once approved, the card is delivered within 5 working days. Activate via IVR, iMobile Pay, or at any ICICI ATM by setting a 4-digit PIN.
7
Start using for fuel surcharge waiver
Use the card for fuel transactions between ₹500 and ₹4,000 to get a 1% surcharge waiver, capped at ₹100/month. This is the most useful feature of Platinum Chip.
8
Build credit for an upgrade
Use the card responsibly for 12 months — pay bills in full, keep utilisation under 30% — and ICICI will offer an automatic upgrade to Coral.

Common mistakes to avoid

Do not use Platinum Chip for EMI or cash advances — these earn 0 points and attract high fees. Avoid using the card for fuel below ₹500 or above ₹4,000 — the surcharge waiver is limited to this range.

Pro tips

Use the card primarily for fuel and small retail spends
Track the ₹100/month fuel surcharge cap in iMobile Pay
Pay the bill in full every month to maintain a strong CIBIL for upgrades
Pair with the Amazon Pay ICICI card for online spends

Frequently asked questions

Is ICICI Platinum Chip lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

What is the fuel surcharge cap?

1% waiver on transactions between ₹500 and ₹4,000, capped at ₹100 per month.

Can I upgrade Platinum Chip to Coral?

Yes. ICICI offers automatic upgrades after 12 months of responsible usage and a CIBIL score of 720+.

Material Connection: Some of the links in this content may be affiliate links, meaning we may earn a commission at no extra cost to you if you apply through our links.

Written by FinWiz24 Editorial

Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.