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ICICI
Platinum
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Platinum
VISAICICI Bank • Visa• Platinum
Annual Fee
Free
Base Reward Rate
0.50%
Foreign Tx Fee
3.5%
Tier
Platinum
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹2,850
Blended 0.46% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
ICICI Bank Platinum Chip Credit Card (Visa). **Lifetime free** — ₹0 joining, ₹0 annual. Rewards: 2 RP per ₹100 retail (fuel excluded); 1 RP per ₹100 on insurance/utilities. 1 RP = ₹0.25. Excluded categories: rent, e-wallet loads, government, education. 1% fee on education via 3rd-party apps, utility >₹50K/mo, fuel >₹10K/mo. Caps: Utility 40K/mo, Insurance 40K/mo, Grocery/Dept 20K/mo, Fuel 50K/mo. 15% off dining via Culinary Treats (2,500+ restaurants). 1% fuel surcharge waiver at HPCL (₹400-4,000 txns, max 4,000). 6X-12X RP on travel via iShop. **No lounge, no golf, no travel benefits.** Forex 3.5%, Finance 3.75%/mo (45% p.a.), Cash advance 2.5% (min ₹500), RP redemption ₹99+GST.
Excluded categories