ICICI bank Platinum Chip Credit Card is a lifetime free credit card which can be very beneficial for those who are looking to build their credit score now . There are many benefits to using ICICI Platinum Chip Credit Card such as reward points, no joining and animal fee etc.
But there are also some disadvantages of using ICICI Platinum Chip Credit Card . Which we will talk about later in this article .
If you want to know more about this ICICI Platinum Chip Credit Card or you want to apply for this credit card then today you are at right place . In this article we are going to review ICICI Platinum Chip Credit.
ICICI Bank Platinum Chip Credit Card Eligibility:
• Your age should be between 23 years to 60 years to use ICICI Platinum Chip Credit Card .
• Both self-employed and salaried people can apply for this credit card .
• If you do any job then your monthly income should be 15,000 or more. And if you are self-employed then your income should be 50,000 or more.
• You must be a citizen of India.
Benefits of using ICICI bank Platinum Chip Credit Card :
• You do not have to pay any joining fee to take ICICI Platinum Chip Credit Card .
• After using this credit card , you do not have to pay any kind of annual fee .
• This card comes with an interest- free period of 48 days . After that you will be charged at 3.4% per month which will equal to 40.6% per annum.
• You get some reward points when you pay with this credit card or buy anything .
• One reward points on payment of ₹100 in utility and insurance bills such as electricity, water or life insurance .
• You get two reward points for every ₹100 you spend on payments made on purchases made through ICICI Platinum Chip Credit Card .
• While filling oil in your vehicle at Hindustan Petroleum Petrol Pumps , if you pay through ICICI Platinum Chip Credit Card , you get a fuel surcharge waiver of 1% on that. Fuelsurcharge is a payment that you pay to the fuel in the vehicle. To be paid on payment made by any credit card at the time of filling .
But you will not have to pay this payment on payment by ICICI Platinum Chip Credit Card . However, you also have to note that the unpaid amount made by you should not exceed 4,000.
• You get up to 15% off if you eat at ICICI-affiliated restaurants and hotels and pay using this credit card .
Disadvantages of using ICICI Platinum Chip Credit Card :
• High Interest Rate: On ICICI Platinum Chip Credit Card, you have to pay a finance charge of 3.4% every month which is equivalent to 40.6% in a year .
• You may have to pay heavy interest if you delay in filling the payment amount while using the ISS Card .
• If you withdraw money from any ATM through this credit card, then you will have to pay heavy interest on it. No matter how much amount you withdraw from it , you will have to pay a minimum of ₹ 500 on it and 3.5% interest on the amount withdrawn .
How to Apply for Credit Card ?
First you go to the official website of ICICI Bank and go to the credit card section.
After that click on Apply ICICI Platinum Chip Credit Card.
Now a page will appear in front of you to apply for ICICI Platinum Chip Credit Card . Now click on apply now .
After this a page will come in front of you where you will have to fill your name , email address, location and PAN card information . After that click on continue .
After this a page will come in front of you where you will have to fill your Employment Type Employment Type . In this you have to tell whether you are self-employed or a salaried employee . If you are a salaried employee , then fill your salary and fill the name of the company or organization in which you work. If you are self-employed then you have to fill the last year’s turnover of your company.
After this a page will come in which you will be asked whether your account is in ICICI Bank or not. If yes, then choose that option, and also fill in the information related to the type of account you have. After that click on continue .
After that enter your phone number . After this an OTP will come on your number . After filling the OTP and captcha , verify your account. Also accept the Terms and Conditions as well .
Now a page will come in front of you where you will be told whether you are eligible for ICICI Platinum Chip Credit Card or not. In a short while you will get a call from SSC Bank.
After this the bank will ask you for some important documents.
After filling the documents, you will get the credit card within a week.