Who can apply for the Platinum Chip Credit Card?
Indian citizens aged between 21 and 65 can apply for the card. Salaried applicants must have a minimum monthly income of ₹20,000; self-employed applicants are subject to the same minimum monthly income of ₹20,000.
There’s no need to submit physical documents to apply for the card. The entire review is done digitally by ICICI Bank, based on identity confirmation and proof of income from the applicant.
Worth noting: the Platinum Chip Credit Card is issued by ICICI Bank, an institution regulated and supervised by the Reserve Bank of India (RBI), the country’s monetary authority, which reinforces the security of anyone who takes out the product.
Fees to consider
✔️ Joining fee: waived
✔️ Annual fee: waived
✔️ Foreign exchange markup (international use): 3.5%
✔️ ATM cash withdrawal: 3.75% monthly interest
✔️ Paying only the minimum amount due: 3.75% monthly interest
✔️ Late payment: fee ranging from ₹100 to ₹1,300
A piece of advice for you
To use the Platinum Chip Credit Card responsibly, it’s best to always pay the full statement amount, avoiding the 3.75% monthly interest charged on revolving balances or minimum payments. That’s advice we always give when talking about credit products.
It’s also worth planning your monthly budget by treating the card’s credit limit as part of your available money, not as extra income. Using EMI installments only for purchases already planned for in your budget, rather than impulse spending, helps keep your finances under control. Finally, checking your statement regularly helps you avoid surprises around the due date and protects your credit score.
How to apply for the card?
To apply for the Platinum Chip Credit Card, visit the official ICICI Bank website by clicking the button below, fill out the form with your personal and financial details, and wait for confirmation of your eligibility, done entirely online.
Note: Utua is not a financial institution and does not grant credit cards or loans. This content is for informational purposes to help readers compare options before applying for the card directly with the financial institution.
