An ICICI Platinum Chip card is a lifetime free credit card as you do not have to pay any joining fees or annual fees for it. Additionally, it is loaded with exquisite features which are extremely beneficial to you. Keep reading to know how you can use this card to save more on your transactions.
Top 5 Features of ICICI Platinum Chip Credit Card
Five features of the ICICI Platinum Chip Credit Card are as follows:
- Reward points on every transaction
You can receive reward points every time on your transactions. For purchases other than fuel, you can earn up to 2 ICICI Bank reward points for every Rs. 100 spent. Additionally, for expenses on utilities or insurance, you will receive 1 ICICI Bank reward point on spending every Rs. 100. You can redeem these points during your future transactions to save more on costs.
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- Lucrative discounts on dining
There are about 2500 partnered restaurants across 12 cities in India. You can avail up to 15% discounts on your bill if you dine in these restaurants under the ICICI Bank Culinary Treats programme. Hence, you can save more on food while celebrating those special days with your loved ones.
- Waiver on fuel surcharge
If you own a vehicle, you can immensely benefit from this card as it offers a 1% waiver on fuel surcharge on purchasing fuel from HPCL (Hindustan Petroleum Corporation Limited) petrol pumps. Nonetheless, you must keep in mind that the waiver is available only on transactions under Rs. 4,000. Additionally, it is important that they stock ICICI Merchant Services swipe machines for payment purposes.
- Secured payments at retail outlets
This card has a built-in technology that ensures the security of your payments in retail stores. Additionally, there is a chip installed in the card that ensures the safety of your payments and protects you from risks of fraud.
- Additional benefits for Mastercard and Visa holders
Under the Mastercard Priceless Specials program, you can benefit immensely from using Mastercard during your transactions. Additionally, Visa cardholders can enjoy attractive discounts on travelling, shopping, hotel bookings and so on.
Owing to the above features of an ICICI bank credit card, you can benefit immensely from the same. However, prior to proceeding to apply for one, you must check the eligibility criteria to ensure that you fulfil them.
Eligibility Criteria of ICICI Platinum Chip Credit Card
You must fulfil the following criteria to stand eligible for an ICICI Platinum Chip credit card:
- Your age must be above 23 years.
- You must be either a salaried or a self-employed individual.
- In case you are a salaried individual, you must have a minimum monthly income of Rs. 30,000.
- If you are a self-employed individual, your monthly income must be above Rs. 35,000.
Once you are sure that you fulfil the eligibility criteria, you can proceed to apply for an ICICI Platinum Chip credit card in a few simple steps.
Steps to Apply for ICICI Platinum Chip Credit Card
Below are the steps that you must follow to apply for an ICICI bank credit card:
Step 1: Navigate to the official website of Bajaj MARKETS.
Step 2: Move to the ‘Credit Card’ tab.
Step 3: Click on ‘Apply Now’ button.
Step 4: Enter essential details that are required.
Step 5: Choose the appropriate card as per your expenses.
Step 6: Fill out the application form with necessary details.
Once you complete the online application process, you will be able to receive your credit card at your doorstep. You should also keep the essential documents ready to avoid any errors while uploading them.
Documents Required for ICICI Platinum Chip Credit Card
The documents required to apply for an ICICI Platinum Chip credit card are as follows:
- Identity proof documents such as PAN card, Aadhaar card, voter ID card, or driving licence.
- Income proof documents such as Form 16, Income Tax Returns, or latest payslips.
- Address proof documents such as recent electricity bills or water bills.
Apart from the documents, you must also be aware of the charges associated with ICICI Platinum Chip credit card to reduce them as much as possible.
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Charges Associated with ICICI Platinum Chip Credit Card
Although you can get this card free for a lifetime, you must know that there are several additional charges that you might have to pay in certain situations. These charges include:
- Finance charges: 40.80% per annum or 3.40% per month
- Foreign currency conversion charges: 3.5%
- Over-limit fee: 2.5% of the over-limit amount
- Cash advance fees: 40.80% per annum or 3.40% per month
- Card replacement charges: Rs. 100
If you keep a check on your card expenses, you can easily save on the extra costs to a certain extent. So, you must apply for this free credit card as soon as possible to fully enjoy its benefits.
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