ICICI Bank
ICICI Bank Platinum Credit Card
3.6 / 5visa
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Base reward
- 0.5%
- Min income
- ₹20,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Utilities & bills | 0.25% | Uncapped |
| Insurance | 0.25% | Uncapped |
Benefits
- ▸2 ICICI Reward Points per ₹100 on retail spends (≈0.5% value-back)
- ▸1 Reward Point per ₹100 on utilities and insurance
- ▸1% fuel surcharge waiver at HPCL pumps (₹400–₹4,000)
- ▸Dining discounts via ICICI Bank Culinary Treats
- ▸Lifetime free with no annual fee
The good
- + Lifetime free with no joining or annual fee
- + Good entry-level card for beginners
- + 1% fuel surcharge waiver
The catch
- − Low reward value-back (~0.5%)
- − No lounge access or milestone benefits
- − Basic, minimal lifestyle benefits