ICICI Bank Platinum Chip Credit Card
Joining Fee: No joining fee
Annual Fee: No annual fee
Category: Reward Points
Reward Points
Retail Purchases: Earn 2 Reward Points per Rs. 100 spent.
Utilities and Insurance: Earn 1 Reward Point per Rs. 100 spent.
Redemption
Value: 1 Reward Point is equivalent to Rs. 0.25.
Fee: Redemption incurs a fee of Rs. 99 per request.
Other Features and Benefits
Dining Benefits:Enjoy up to 15% off at over 2,500 restaurants across India through the ICICI Bank Culinary Treats Programme.
Fuel Surcharge Waiver:
Benefit: 1% waiver on fuel surcharges at HPCL petrol stations.
Limit: Applicable on transactions up to Rs. 4,000.
Other Fees & Charges:
Interest Rate: 3.4% per month on overdue amounts, translating to 40.8% per annum.
Forex Fee: 3.5% surcharge on international transactions.
Cash Advance Fee: 2.5% of the amount withdrawn, with a minimum charge of Rs. 300.
Summary
he ICICI Platinum Chip Credit Card is ideal for individuals seeking an economical credit card with valuable perks. It rewards cardholders with Reward Points on all expenditures and offers attractive discounts on dining across numerous restaurants. Additionally, the card includes a fuel surcharge waiver at HPCL outlets. With no annual fee and a range of benefits, this card provides excellent value for money. For those who want a budget-friendly card with substantial advantages, the ICICI Bank Platinum Chip Credit Card stands out as a strong option.