ICICI Bank Platinum Chip Credit Card
ICICI Bank · Visa · Entry card
A widely accessible, no-fee first-card option from a major issuer.
First-time applicants prioritising lifetime-free pricing and a mainstream issuer.
Terms checked 23 Sept 2026
- Annual fee
- Lifetime free
- Joining fee
- ₹0
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.5% |
| Groceries & essentials | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Gold & jewellery | 0.5% |
| House rent | 0.5% |
| Other miscellaneous | 0.5% |
| Bills & utilities | 0.3% |
| Insurance premiums | 0.3% |
| Fuel & commute | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- Not needed
- Monthly income requirement
- Approx. ₹20,000/month salaried · ₹20,000/month self-employed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 4 items
Utility and insurance rewards
Usage-based valueOne reward point per ₹100 on eligible utility and insurance payments.
Other eligible retail rewards
Usage-based valueTwo reward points per ₹100 on other eligible retail purchases.
Two points per ₹100 on eligible retail purchases
Shown without a cash valueOne point per ₹100 on utility and insurance payments
Shown without a cash value
Fees · 2 items
Lifetime-free annual fee
Recorded value ₹-0No annual card fee is recorded under the currently reviewed terms.
Lifetime-free with no joining or renewal fee
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹20,000. The issuer publishes ₹20,000 monthly income for salaried and self-employed applicants.
Other benefits · 3 items
1% fuel-surcharge waiver on ₹400-₹4,000 transactions at eligible HPCL pumps
Shown without a cash valueContactless chip-and-PIN security and EMI conversion access
Shown without a cash value1% fuel-surcharge waiver at eligible HPCL outlets
Shown without a cash value
Other categories (13)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ Lifetime-free with no joining or renewal fee
- ✓ Two points per ₹100 on eligible retail purchases
- ✓ One point per ₹100 on utility and insurance payments
- ✓ 1% fuel-surcharge waiver at eligible HPCL outlets
What to watch
The effective reward rate is modest, fuel earns no points, and the card has no airport-lounge or movie benefit.
Recorded exclusions
Fuel Commute
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026