ICICI Platinum Chip Credit Card (India) – Sab kuch jo aapko jaan-na chahiye!

# ICICI Platinum Chip Credit Card (India) – Sab kuch jo aapko jaan-na chahiye!

Agar aap ek aisa credit card dhoondh rahe hain jo affordable ho, safe ho, aur aapke daily kharchon mein savings de, toh **ICICI Platinum Chip Credit Card** ek shandaar option hai! Yeh card beginners ke liye perfect hai kyunki isme **no joining fee** aur **no annual fee** hai, sath hi exciting rewards aur discounts bhi milte hain. Is article mein hum aapko is card ke features, benefits, application process, eligibility, aur FAQs ke baare mein detail mein batayenge. Toh chaliye, shuru karte hain!

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## ICICI Platinum Chip Credit Card Kya Hai?

ICICI Platinum Chip Credit Card ek **entry-level credit card** hai jo ICICI Bank dwara offer kiya jata hai. Yeh card specially un logon ke liye design kiya gaya hai jo apne kharchon ko smartly manage karna chahte hain aur sath hi rewards bhi kamaana chahte hain. Isme **contactless payment technology** aur **security chip** hai jo aapke transactions ko safe rakhta hai. Yeh card **lifetime free** hai, matlab aapko koi annual fee nahi deni padti, aur iske rewards program ke saath aap har kharch par PAYBACK points bhi earn kar sakte hain.

### Key Features of ICICI Platinum Chip Credit Card

- **Zero Joining & Annual Fee**: Yeh card lifetime free hai, toh koi extra cost nahi

- **PAYBACK Rewards**: Har ₹100 ke retail kharch (fuel ke alawa) par 2 PAYBACK points milte hain, aur utilities aur insurance par 1 point.[](https://www.bankbazaar.com/credit-card/icici-bank-platinum-chip-credit-card.html)

- **Fuel Surcharge Waiver**: HPCL petrol pumps par ₹400 se ₹4000 tak ke fuel transactions par 1% surcharge waiver.[](https://groww.in/credit-card/icici-platinum-chip-credit-card)

- **Dining Discounts**: ICICI Culinary Treats Programme ke tahat 2500+ restaurants par 15% discount.[](https://www.bankbazaar.com/credit-card/icici-bank-platinum-chip-credit-card.html)

- **Contactless Payments**: Card ko swipe karne ki zarurat nahi, bas tap karke payment karo!

- **Security Chip**: Fraud se protection ke liye advanced chip technology.

- **Global Emergency Assistance**: Visa cardholders ke liye international travel mein emergency support.[](https://www.icicibank.com/personal-banking/cards/credit-card/platinum-chip)

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## ICICI Platinum Chip Credit Card Ke Fayde

Yeh card aapke daily expenses ko aur bhi rewarding bana deta hai. Chahe aap shopping kar rahe ho, dining, ya fuel kharid rahe ho, is card ke saath savings aur rewards dono milte hain. Niche kuch top benefits hain:

- **Rewarding Shopping**: Online aur offline shopping par har ₹100 ke kharch par 2 PAYBACK points. Yeh points aap movie vouchers, lifestyle products, ya travel vouchers ke liye redeem kar sakte hain.[](https://www.icicibank.com/personal-banking/cards/credit-card/platinum-chip)

- **Dining Offers**: 2500+ partner restaurants mein 15% discount, jo aapke dining experience ko aur mazedaar bana deta hai.[](https://www.bankbazaar.com/credit-card/icici-bank-platinum-chip-credit-card.html)

- **Fuel Savings**: HPCL pumps par 1% fuel surcharge waiver, jo regular commuters ke liye badi saving hai.[](https://www.forbes.com/advisor/in/credit-card/reviews/icici-platinum-chip-credit-card/)

- **No Annual Fee Hassle**: Agar aap yearly ₹50,000 spend karte hain, toh agle saal ka annual fee bhi waive off ho jata hai.[](https://groww.in/credit-card/icici-platinum-chip-credit-card)

- **Secure Transactions**: Chip-enabled card aur PIN verification ke saath fraud ka risk kam hota hai.[](https://financebuddy.in/icici-platinum-chip-credit-card-review.php)

- **Online Shopping Perks**: Brands jaise EaseMyTrip, Croma, Tata Cliq, aur Flipkart par periodic offers.[](https://www.forbes.com/advisor/in/credit-card/reviews/icici-platinum-chip-credit-card/)

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## ICICI Platinum Chip Credit Card Ke Liye Kaise Apply Karein?

ICICI Platinum Chip Credit Card ke liye apply karna bahut hi aasaan hai. Aap online ya offline dono tarikon se apply kar sakte hain. Niche step-by-step process diya gaya hai:

1. **Online Application**:

   - ICICI Bank ki official website (www.icicibank.com) par jayein ya Paisabazaar jaise partner platforms ka use karein.[](https://www.paisabazaar.com/icici-bank/icici-platinum-chip-visa-credit-cards/)

   - Apna mobile number enter karein aur OTP verify karein.

   - Available credit card options mein se ICICI Platinum Chip Credit Card select karein.

   - Personal details aur documents upload karein.

   - Application submit karne ke baad bank aapke documents verify karega, aur approval ke baad card 15-21 working days mein deliver ho jata hai.[](https://www.paisabazaar.com/icici-bank/credit-card/)

2. **Offline Application**:

   - Nazdeeki ICICI Bank branch visit karein.

   - Credit card application form bhar ke submit karein.

   - Required documents jama karein, aur bank aapki application process karega.

**Pro Tip**: Online apply karna faster hai aur aap application status bhi easily track kar sakte hain.[](https://www.paisabazaar.com/icici-bank/icici-platinum-chip-visa-credit-cards/)

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## Important Documents for ICICI Platinum Chip Credit Card

Card ke liye apply karte waqt aapko kuch zaruri documents submit karne honge. Yeh documents aapki eligibility verify karne ke liye zaroori hain:

- **Identity Proof**: Aadhaar Card, PAN Card, Passport, Driving License, ya Voter ID.

- **Address Proof**: Aadhaar Card, Utility Bills, Passport, ya Voter ID.

- **Income Proof**:

  - **Salaried Individuals**: Latest salary slips ya bank statements.

  - **Self-Employed**: Latest Income Tax Return (ITR) ya audited financials.[](https://groww.in/credit-card/icici-platinum-chip-credit-card)

- **Photograph**: Recent passport-size photo.

**Note**: Bank additional documents bhi maang sakta hai, so be prepared

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## Eligibility Criteria for ICICI Platinum Chip Credit Card

ICICI Platinum Chip Credit Card ke liye apply karne ke liye aapko kuch basic eligibility criteria meet karne honge:

- **Age**: Applicant ki umar 23 se 58 saal ke beech honi chahiye.[](https://financebuddy.in/icici-platinum-chip-credit-card-review.php)

- **Residency**: Aapko India ka permanent resident hona zaroori hai.[](https://ahktips.com/icici-bank-platinum-chip-credit-card-features-benefits/)

- **Income**:

  - **Salaried**: Minimum monthly salary ₹25,000 honi chahiye.

  - **Self-Employed**: Last ITR mein minimum ₹4.5 lakh annual income dikhana hoga.[](https://financebuddy.in/icici-platinum-chip-credit-card-review.php)

- **Credit Score**: Better approval chances ke liye 750+ credit score hona chahiye.[](https://ahktips.com/icici-bank-platinum-chip-credit-card-features-benefits/)

- **Bank Account**: ICICI Bank account hona zaroori nahi, lekin existing customers ke liye approval faster ho sakta hai.[](https://www.paisabazaar.com/icici-bank/icici-platinum-chip-visa-credit-cards/)

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## Additional Information About ICICI Platinum Chip Credit Card

### Fees and Charges

- **Joining Fee**: Zero.

- **Annual Fee**: Zero (₹99 annual fee waive off if you spend ₹50,000 in a year).[](https://ahktips.com/icici-bank-platinum-chip-credit-card-features-benefits/)

- **Interest Rate**: 3.4% per month (40.8% annually) agar due amount time par nahi chukaya.[](https://financebuddy.in/icici-platinum-chip-credit-card-review.php)

- **Cash Advance Fee**: 2.5% of the withdrawn amount (minimum ₹500) + 3.75% monthly interest.[](https://www.paisabazaar.com/icici-bank/icici-platinum-chip-visa-credit-cards/)

- **Forex Markup Fee**: International transactions par 3.5% fee.[](https://cardinsider.com/icici-bank/icici-bank-credit-cards-forex-markup-charges/)

### Limitations

- **No Lounge Access**: Yeh card complimentary airport lounge access offer nahi karta.[](https://www.paisabazaar.com/icici-bank/icici-platinum-chip-visa-credit-cards/)

- **Reward Caps**: Utility, insurance, aur grocery spends par monthly reward points capped hain (₹40,000 for utilities/insurance, ₹20,000 for groceries).[](https://www.paisabazaar.com/icici-bank/icici-platinum-chip-visa-credit-cards/)

- **No Milestone Benefits**: Premium cards ke muqable mein isme high-end lifestyle benefits nahi hain.[](https://www.paisabazaar.com/icici-bank/icici-platinum-chip-visa-credit-cards/)

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## FAQs About ICICI Platinum Chip Credit Card

**Q1: ICICI Platinum Chip Credit Card ke liye kaun apply kar sakta hai?**  

**A**: 23-58 saal ka koi bhi Indian resident jiski minimum monthly salary ₹25,000 (salaried) ya annual ITR ₹4.5 lakh (self-employed) ho, apply kar sakta hai. Credit score 750+ hona chahiye.[](https://financebuddy.in/icici-platinum-chip-credit-card-review.php)

**Q2: Kya yeh card lifetime free hai?**  

**A**: Haan, yeh card lifetime free hai. Agar aap ₹50,000 yearly spend karte hain, toh ₹99 ka annual fee bhi waive off ho jata hai.[](https://ahktips.com/icici-bank-platinum-chip-credit-card-features-benefits/)

**Q3: PAYBACK points kaise redeem kar sakte hain?**  

**A**: PAYBACK points ko ICICI Bank Rewards platform ya PAYBACK partner brands par movie vouchers, travel vouchers, lifestyle products, ya cashback ke liye redeem kar sakte hain.[](https://www.bankbazaar.com/credit-card/icici-bank-platinum-chip-credit-card.html)

**Q4: Kya is card se international transactions kar sakte hain?**  

**A**: Haan, lekin international transactions par 3.5% forex markup fee lagta hai.[](https://cardinsider.com/icici-bank/icici-bank-credit-cards-forex-markup-charges/)

**Q5: Kya is card mein lounge access milta hai?**  

**A**: Nahi, ICICI Platinum Chip Credit Card mein complimentary airport lounge access nahi hai.[](https://www.paisabazaar.com/icici-bank/icici-platinum-chip-visa-credit-cards/)

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## Conversational Keywords

- ICICI Platinum Chip Credit Card

- Lifetime free credit card

- PAYBACK rewards

- Fuel surcharge waiver

- Dining discounts

- Contactless credit card

- Secure chip technology

- ICICI credit card apply

- Credit card for beginners

- No annual fee credit card

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## Why Choose ICICI Platinum Chip Credit Card?

Agar aap ek beginner hain ya aisa card chahte hain jo aapke daily expenses ko manage kare aur sath hi rewards de, toh ICICI Platinum Chip Credit Card ek badhiya choice hai. Iske **zero annual fee**, **secure chip technology**, aur **attractive rewards** isse market mein competitive banate hain. Chahe aap online shopping karein, dining enjoy karein, ya fuel kharidein, yeh card har jagah savings deta hai.

Toh der kis baat ki? Abhi apply karein aur apne kharchon ko smart aur rewarding banayein! Koi sawal ho toh comment section mein pooch sakte hain, hum jaldi se jawab denge! 😊

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*Sources*: Information compiled from ICICI Bank official website, Forbes India, Paisabazaar, and BankBazaar.[](https://www.forbes.com/advisor/in/credit-card/reviews/icici-platinum-chip-credit-card/)[](https://www.bankbazaar.com/credit-card/icici-bank-platinum-chip-credit-card.html)[](https://www.paisabazaar.com/icici-bank/icici-platinum-chip-visa-credit-cards/)