ICICI Platinum Chip
Lifetime free entry-tier ICICI card.
External link to ICICI Bank’s own application page.
The ICICI Platinum Chip has no annual fee. It earns 0.5% on all spends. Forex markup is 3.5%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much ICICI Platinum Chip actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the ICICI Platinum Chip earn?
What you earn back, by category.
No welcome bonus, fee-free for life
What do you get with the ICICI Platinum Chip?
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
Who qualifies for the ICICI Platinum Chip?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
ICICI Platinum Chip FAQ
›What is the ICICI Platinum Chip annual fee?
The ICICI Platinum Chip has no annual fee.
›What does the ICICI Platinum Chip earn?
It earns 0.5% on all spends.
›What is the ICICI Platinum Chip forex markup?
The ICICI Platinum Chip charges 3.5% forex markup on foreign-currency spends.
›What income do you need for the ICICI Platinum Chip?
The stated minimum income is ₹2,00,000 a year. Banks treat this as a guideline, not a hard cutoff.
›What is the ICICI Platinum Chip welcome bonus?
No welcome bonus, fee-free for life.
›Are these ICICI Platinum Chip figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
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