Entry Level
ICICI Platinum Chip Credit Card
ICICI 4.8
CardTrail Score
Decent
out of 10
Annual Fee
Free
Forex Markup
3.5%
Reward Rate
0.2%
Up to 1%
Lounge Access
0
domestic | 0 intl
About This Card
The ICICI Platinum Chip Credit Card is an entry-level credit card from ICICI with lifetime free. It earns rewards at 0.2% on everyday purchases. Key perks include fuel surcharge waiver. Best suited for first-time card users.
Pros & Cons
Pros
- No annual or joining fee
- Fuel surcharge waiver saves on petrol/diesel
- Easy EMI conversion on purchases
Cons
- 3.5% forex markup is above average
- No complimentary lounge access
- Below-average base reward rate
Fee Details
Annual Fee
Free
Joining Fee
Free
Fee Waiver Condition
None
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.2%
Max Rate
1%
Currency
PAYBACK Points
Welcome Bonus
None
Lounge Access
Domestic Lounges
0
International Lounges
0
Key Highlights
- + Lifetime free — zero annual fee
- + Fuel surcharge waiver at all pumps
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Quick Summary
Best For
beginners
Annual Fee Free
Base Reward 0.2%
Max Reward 1%
Forex Markup 3.5%
Network Visa
Min Income ₹2L+
CardTrail Score
Best For
beginners
