Is ICICI Platinum Credit Card worth the ₹{fee} annual fee?
Madhavan Sundaram
Asked 23 Mar 2026
I'm comparing ICICI Platinum Credit Card with a couple of other cards in the same price bracket. Is the rewards rate and lounge access good enough to justify the ₹0.00 annual fee for someone whose monthly spend is ₹1,50,000?
3 Answers
I closed my HDFC card last year. The process took exactly 7 days. They sent a confirmation email and a closure letter by speed post. Tip: pay off the full outstanding and request closure only AFTER the payment reflects. Calling repeatedly with a zero balance is the fastest path.
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
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