ICICI Bank Platinum Credit Card Features & Benefits – Apply Now


ICICI Bank, One of the largest private sector banks in India offers wide range of products and services to its customers. ICICI Bank Platinum Credit Card is designed for its customers, ensuring that they enjoy maximum benefits from it.

ICICI Bank Platinum Credit Card, exclusively available only to existing customers of the bank offers attractive rate of interest. It has other rewards also such as CASHBACK, Fuel Surcharge waiver, PAYBACK Points redeemable for exciting gift and vouchers etc. Payback points can be redeemed for gift or vouchers making you earn on every purchase or spend. It also ensures security of your funds and transaction as it has inbuilt chip embedded in.

ICICI Bank Platinum Credit Card Features and Benefits
ICICI Bank Platinum Credit Card Features and Benefits

Scroll down to know more about Features and benefits of ICICI platinum credit card.

Welcome Benefits

  • ICICI Platinum Credit Card allows you to earn payback points on your every spend
  • ICICI bank offers you a suite of exciting rewards from your spending, powered by PAYBACK, India’s largest Reward Programme
  • Earn additional points from PAYBACK partner brands for same purchase
  • Various PAYBACK point redemption option – Movie, Travel, Lifestyle Products, Appliances, Mobiles etc.

Fuel Benefits

Get 1% fuel surcharge waiver on fuel transactions of maximum ₹ 4000/- at HPCL pumps on the card swipe at ICICI merchant services


  • Get 2 PAYBACK points on every ₹ 100/- spent on all retail purchases except fuel
  • Get 1 PAYBACK point on every ₹ 100/- spent on utilities and insurance categories
ICICI Bank Credit Card Reward programme - Earn PAYBACK points
ICICI Bank Credit Card Reward programme

You can redeem points via net banking login or visit www.payback.in to redeem points for your favorite products.

Dining Offers Benefits

Save a minimum of 15 percent on your dining bill with ICICI Bank Culinary Treats programme

  • EazyDiner Offer- Get Rs. 150/- Off on your first Online Order
  • Get up to 50 percent off on Zomato
  • Qmin offer – Get 25 percent off

You can visit https://www.icicibank.com/offers/categories/dining-offers.page  for latest dining offers with ICICI platinum credit card.

Security Features

  • ICICI Platinum Credit Card comes with an embedded microchip which provide security against counterfeiting and card duplication
  • It provides an extra layer of security in form of Personal Identification Number (PIN)
  • You will need to enter 4 digit PIN for authenticating the transactions made on POS terminals or merchant outlets

ICICI Bank Platinum Credit Card Fees and Charges

  • Joining Fee – NIL
  • Annual Fee (Second year onwards) – NIL
  • Add-on Card Fee – NIL
  • Overdue interest on extended credit and cash advances – 3.40% per month (40.80% annualized)

ICICI Bank Platinum Credit Card Limit

The limit of ICICI platinum credit card depends on your income, CIBIL score and lot of other factors are considered. The limit is decided by the bank considering these factors like repayment history, credit utilization ratio or in short your credit worthiness.

The limit is enhanced by the bank in future if you have good record.

Age Limit to Apply for ICICI Bank Platinum Credit Card

  • You can avail of this card if you are more than 23 years old

Documentation to Apply for ICICI Bank Platinum Credit Card

You must submit following documents to apply for card –


ICICI Bank Platinum Credit Card Customer Care and Support Number

if you have any grievances and concern regarding ICICI Platinum Credit Card, you can contact customer care at –

  • Visit ICICI Bank Official Website and Submit Complaint Form Online
  • Call at Customer Care 24×7 Helpline Numbers 1800-102-4242 (9AM-6PM)
  • You can also write to nodal office at address mentioned on ICICI bank official website

To Know regarding Payback point, listed PAYBACK partners, redemption process and point balance you can –

  • Visit PAYBACK website – www.payback.in
  • Write Mail at – membercare@payback.in
  • Call @ 1860-258-5000

Final thought

ICICI platinum credit card offers you various benefits in form of cash back, payback points or discount vouchers on every spending.

The card is well suited for people with big online spending on fuel, dining, insurance, online purchase etc. Enjoy additional reward points on any product purchase through PAYBACK partner brands.

You can have this in your pocket with NIL joining fees which is the major benefit. Hope you liked this article , if you have any review or thought on this card, feel free to share in comment section.


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