ICICI Bank Platinum Chip Credit Card
ICICI Bank · Points/miles card · Lifetime free
Fees & benefits
| Annual fee | Nil (lifetime free) |
| Welcome benefit | None |
| Airport lounges | None |
| No rewards on | fuel, tax, government, rent |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| Everyday rewards | 0.5% | Uncapped | all eligible spend |
| Utility and insurance rewards | 0.25% | Uncapped | utility, insurance |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Lifetime-free entry card: 2 RP per ₹100 on retail, 1 RP per ₹100 on utilities/insurance (RP = ₹0.25).
1% fuel surcharge waiver at HPCL pumps on transactions up to ₹4,000; ~15% dining savings via Culinary Treats.
Verified 2026-07-13 against official issuer sources (agent verification pass; manual human review unavailable).
Quick answers
Is the ICICI Bank Platinum Chip Credit Card lifetime free?
Yes — the ICICI Bank Platinum Chip Credit Card has no annual fee.
What is the highest reward rate on the ICICI Bank Platinum Chip Credit Card?
0.5% — Everyday rewards. Effective value depends on monthly caps; see the caveats on this page.
Does the ICICI Bank Platinum Chip Credit Card give airport lounge access?
No, the ICICI Bank Platinum Chip Credit Card does not include airport lounge access.