At a Glance
Key Benefits
Reward points, Lifetime free
Lounge Access
No lounge access
Eligibility
Any income level, Age: 21-60 years
Quick Details
Annual Fee
FREE
#1
Joining Fee
FREE
#1
Rewards/₹100
₹0.50
#238
Reward Type Reward Points
Reward Currency Points
Min Monthly Income ₹NaN
Network VISA
fuel_surcharge_waiver 2.50%
Reward Structure
Base
All Spends
₹0.50 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days of loss/theft.
Fraud
₹0
Zero liability for unauthorized transactions when reported immediately to the bank.
Quick Analysis
The ICICI Bank Instant Platinum is a straightforward lifetime free credit card from ICICI Bank. While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- Reward points may have limited redemption options
Best For
New to credit users and those building credit score with secured FD card
Frequently Asked Questions
What are the fees for ICICI Bank Instant Platinum Credit Card?
The ICICI Bank Instant Platinum Credit Card is completely free with no joining fee and no annual fee. It is a lifetime free card.
What is the eligibility criteria for ICICI Bank Instant Platinum Credit Card?
To be eligible for the ICICI Bank Instant Platinum Credit Card, you need a minimum monthly income of varies based on profile, age between 21-60 years, and a credit score of 700+. ICICI Bank customers with existing relationships may get preferential treatment.
What rewards does ICICI Bank Instant Platinum Credit Card offer?
The ICICI Bank Instant Platinum Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 0.25. Points can be redeemed for vouchers, merchandise, or travel bookings through the ICICI Bank rewards portal.
Does ICICI Bank Instant Platinum Credit Card offer airport lounge access?
The ICICI Bank Instant Platinum Credit Card may provide limited or no complimentary lounge access. Please check with ICICI Bank for the latest lounge access benefits.
How can I apply for ICICI Bank Instant Platinum Credit Card?
You can apply for the ICICI Bank Instant Platinum Credit Card through ICICI Bank official website, mobile app, or by visiting your nearest ICICI Bank branch. Existing customers can also apply through net banking.
User Reviews
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