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ICICI Bank

ICICI Bank Platinum Chip Credit Card

A no-fee starter card. Earns the same catalogue points as Coral but without the lounge, cinema or milestone benefits, so the fee saving is most of what distinguishes it.

Joining fee
₹0
Annual fee
₹0
Status
Open
Verified
21 August 2026
ICICI Bank Platinum Chip Credit Card

Fees

Joining fee
₹0
Annual fee
₹0
Forex markup
3.5%
Monthly finance charge
3.75%

Rewards

reward points

  • everything-else: 0.8%Retail spends
  • utilities, insurance: 0.4%

Points redeem against a catalogue of goods and vouchers. ICICI publishes no rupee value per point.

Eligibility

Minimum age
21 years
Minimum monthly income
₹20,000
Employment
salaried, self-employed

Why this card may suit you

  • It costs nothing to hold — no joining or annual fee.
  • Good fit if you want a card without an ongoing cost to justify.

Source & Verification

Verified from official issuer sources. Last verified 21 August 2026

View issuer page ↗

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Joining
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Annual
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Base reward
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Forex
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Joining
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Annual
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Base reward
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Forex
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