ICICI Bank Instant Platinum Credit Card: The ICICI Bank Instant Platinum Credit Card, a secured credit card issued against ICICI fixed deposit. This credit card comes with zero annual and joining fees and let you earn Reward points every time you make a purchase using it.
This credit card was designed according to the customers demand i.e., provides amazing discounts on dining and movies and other benefits for different categories. And other than this, the credit card also let you save on fuel transactions as the card comes with a fuel surcharge waiver.
Therefore, in this article we are going to see the features and benefits provided by the ICICI Bank Instant Platinum Credit Card and the eligibility to apply for the same.
Contents
1. ICICI Bank Instant Platinum Credit Card Features and Benefits
The ICICI Bank Instant Platinum Credit Card comes with the several benefits across different categories, including rewards, lifestyle, and many more.
Here we have mentioned the features and benefits offered by the ICICI Bank Instant Platinum Credit Card:
- Dining Benefits: With the ICICI Bank Culinary Treats Programme, avail of a discount of 15% or more on dining.
- Movie Benefits: On movie tickets on BookMyShow on a minimum purchase of two movie tickets, get an assured discount of 25% and maximum discount you can get on movie tickets is capped at Rs. 100 twice in a month.
- Fuel Surcharge Waiver: On your fuel transactions up to Rs. 4,000, cardholders will get a fuel surcharge waiver of 1%, at fuel pumps all over India.
- Reward points: On per Rs. 100 spent using your card, get 2 Reward Points and per Rs. 100 spent on insurance-related transactions or utility bills, earn 1 Reward Point. And the Reward Points you earn using your ICICI Bank Instant Platinum Credit Card can be redeemed at the www.icicibank.com website, where 1 RP = Re. 0.25. The earned Reward points are redeemable against various categories and products, including shopping, gift vouchers, and many more.
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2. ICICI Bank Instant Platinum Credit Card Fees and Charges:
- The Joining fee charges are- NIL
- The Annual fee charges are- NIL
- The Cash withdrawal fee, 2.5% or Rs. 300 of the withdrawn.
- On all the Foreign currency transaction, you have to pay forex fee of 3.5% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- An interest rate of 2.49% per month (29.88% p.a.) is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: Up to Rs 100- None, Between Rs 100 to Rs 500- Rs 100, Between Rs 501 to Rs 5,000- Rs 500, Between Rs 5,001 to Rs 10,000- Rs 750, Between Rs 10,001 to Rs 25,000- Rs 900, Between Rs 25,001 to Rs 50,000- Rs 1,000 and Above Rs 50,000- Rs 1,200.
3. ICICI Bank Instant Platinum Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for ICICI Bank Instant Platinum Credit Card are as follows:
- The cardholder should have an active Fixed Deposit in any branch of ICICI Bank.
- The cardholder need to open fixed deposit account of at least Rs 20,000 with ICICI Bank.
- The minimum tenure of ICICI Bank FD should be 180 days.
- The Instant Platinum Credit Card cannot be issued to an applicant in the following situation i.e., if the Fixed Deposit exists in under the name of a third party or entity such as Society, HUF, Partnership firms, Trust or Company, if the fixed deposit is against Quantum or Linked or NRE or NRO or 80C or HFC, etc. or if there is an existing lien marked on the Fixed Deposit and this credit card will not be available to foreign nationals and minors.
4. How to Apply for ICICI Bank Instant Platinum Credit Card:
For ICICI Bank Instant Platinum credit card you can apply either online or offline. For offline mode, you can visit your nearest ICICI Bank branch with all the required documents and fill out the physical application form.
Here are the steps to be followed to apply for your ICICI Bank Instant Platinum credit card:
- Step 1: Visit Official website of the ICICI Bank- www.icicidirect.com
- Step 2: Select your ‘credit card’, under the section ‘card’.
- Step 3: Next, choose the ‘ICICI Bank Instant Platinum Credit Card’.
- Step 4: Then, click on ‘Get Card’, an application form will appear on your screen and fill that carefully.
- Step 5: Enter all the requested details and providing the required documents and ‘submit’ it.
And once the application is processed once the KYC verification is completed, for completing KYC verification you can either choice video mode or go with offline mode.
This the way in which you can apply for ICICI Bank Instant Platinum credit card online.
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