Platinum Chip

The ICICI Bank Platinum Chip Credit Card is an entry-level rewards card designed for everyday spenders who want meaningful benefits without any cost burden. With zero joining fee and no annual fee, it offers an accessible way to earn rewards on regular purchases. Cardholders earn 2 reward points for every ₹100 spent on retail transactions and 1 reward point per ₹100 on utility and insurance payments. These points can be redeemed across a wide range of categories including travel and luggage, health and beauty, shopping vouchers, home appliances, electronics, and fashion and lifestyle. Beyond rewards, the card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at HPCL fuel outlets in India, benefiting both primary and supplementary cardholders. The embedded microchip technology adds an enhanced layer of security against counterfeiting and duplication, with PIN authentication required for in-person transactions at merchant outlets. To be eligible, applicants must be Indian citizens between 21 and 65 years of age with a minimum monthly income of ₹20,000, whether salaried or self-employed. No physical documents are required during the application process. For those seeking a no-cost card that rewards everyday spending while offering practical fuel savings and strong security features, the Platinum Chip Credit Card is a compelling choice.