ICICI Bank Platinum Chip Credit Card

The Bottom Line

Zero Fees, Low Rewards

2 reward points / ₹100 on all spending and 1 point on insurance & utilities.

Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	0.4%	0.4%	0.5%	0.5%	0.5%
Est. Monthly Reward (₹)	15	40	90	235	480
All-India Rewards Rank*	108	161	223	265	263
Within Bank Rank*	13	13	22	33	32
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. ^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The ICICI Bank Platinum Chip Credit Card gives 0.25% effective rewards on utilities & insurance payments and 0.50% on all other spending.

Overall, we estimate you can earn a net reward yield of 0.4-0.5% on all your spending with this card in a month.

The Mine Credit Card is the best credit card from ICICI Bank for most people.

Sign up for the PRO 49 plan if you are spending less than ₹20,000 a month on your card. The PREMIUM 149 plan is best if you are spending between ₹20,000 – 50,000.

You can earn a net reward yield of 1.4-1.8% on all your spending with this credit card.

If you are spending more than ₹50,000 a month on your card, the Amazon Pay ICICI Bank Credit Card is the best option from ICICI Bank. We estimate you can earn a net reward yield of 1.2% with this card.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	ICICI Bank Platinum Chip Credit Card
Card Type	Reward
Reward Features	2 Reward Points / ₹100 on all spending 1 Reward points / ₹100 on: – Insurance – Utilities
Milestone Rewards	Nil
Other Rewards	15% off on dining through the ICICI Bank Culinary Treats Programme
Rewards Redemption Fee	₹99
Reward Caps	Unlimited
Preferred Redemption Method	Cashback against statement balance 1RP=₹0.25

Fees & Charges

Card		ICICI Bank Platinum Chip Credit Card
Joining Fee		Nil
Annual Fee		Nil
Min. Annual Credit Card Spend for Fee Waiver		N/A
Income Criteria	Salaried	N/A
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		40.80% p.a.
Foreign Currency Markup		3.50%
Cash Advance Charge		2.50% with a minimum of ₹300