ICICI Bank Platinum Chip Card
ICICI Bank is one of the leading banks in India, and it offers a wide range of credit cards to suit the needs of its customers. One of its most popular credit cards is the ICICI Bank Platinum Chip Card. This card is designed for those who want a premium credit card with a wide range of benefits.
Benefits:
The ICICI Bank Platinum Chip Card offers a number of benefits, including:
- Rewards: The card earns 2 reward points for every Rs. 100 spent on dining, travel, and entertainment, and 1 reward point for every Rs. 100 spent on other categories. These points can be redeemed for travel, merchandise, and other rewards.
- Travel benefits: The card offers a number of travel benefits, including complimentary airport lounge access, travel insurance, and discounts on hotels and car rentals.
- Lifestyle benefits: The card also offers a number of lifestyle benefits, including discounts on dining, shopping, and entertainment.
- Zero liability protection: The card offers zero liability protection, which means that you are not responsible for unauthorized transactions on your card.
- Chip and PIN security: The card has a chip and PIN, which provides an extra layer of security against fraud.
Fees and Charges:
Here is a table with details of the key charges associated with the ICICI Bank Platinum Chip Credit Card:
| Description | Charges |
|---|---|
| Joining/Annual membership fee | Nil |
| Add-on card annual fee | Nil |
| Cash advance fee | 2.5% of withdrawal amount (minimum Rs. 300) |
| Cash payment fee | 2.5% of transaction amount (minimum Rs. 300) |
| Late payment fee | 1.99% of total outstanding amount (minimum Rs. 100, maximum Rs. 1,000) |
| Over limit fee | 2% on amount over the credit limit (minimum Rs. 500) |
| Returned cheque/SI bounce charge | Rs. 500 per instance |
| Foreign currency transaction fee | 3.5% |
| Reward point redemption fee | Rs. 99 + GST |
| Lost card replacement fee | Rs. 100 – Rs. 250 per instance |
Eligibility:
To be eligible for the ICICI Bank Platinum Chip Card, you must be an Indian resident with a minimum income of Rs. 25,000 per month.
Overall, the ICICI Bank Platinum Chip Card is a good option for those who are looking for a premium credit card with a wide range of benefits. The card has a number of attractive features, including rewards, travel benefits, and lifestyle benefits. However, it is important to be aware of the fees and charges associated with the card before you apply.
In addition to the benefits listed above, the ICICI Bank Platinum Chip Card also offers the following:
- Worldwide acceptance: The card is accepted at millions of merchants worldwide.
- Online shopping: The card can be used for online shopping.
- EMV compliance: The card is EMV compliant, which means that it is more secure than traditional magnetic stripe cards.
- 24/7 customer service: ICICI Bank offers 24/7 customer service for its cardholders.
I hope this blog post has been helpful. If you have any questions, please feel free to leave a comment below.
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