Can I use my ICICI Bank Platinum Credit Card to make online purchases?

Yes, you can use your ICICI Bank Platinum Credit Card to make online purchases.

What will happen if I exceed my credit limit?

If you exceed your credit limit, then the bank will decide whether to approve the transaction or not. If the bank approves it, you will have to pay an over - limit fee.

In how much time will I get receive my credit card?

You will receive your credit card in 21 working days.

When will I be charged an interest?

The bank will charge an interest only when you fail to pay the total due amount by due date. The interest will be charged till you clear off all your pending amounts. You will also have to pay an interest on all the cash advances, starting from the transaction date until payment.

What does the auto- debit facility mean?

Through the auto- debit facility, you allow the bank to charge your credit card bills directly to your bank account every month.

ICICI Bank Platinum Credit Card

The ICICI Bank Platinum Credit Card has been designed keeping the customers' best interests in mind, ensuring that they avail maximum benefits from using it. Apart from offering attractive rates of interest, the credit cards has other rewards such as waiver on fuel surcharge, PAYBACK points, etc. which cardholders can enjoy. This card is exclusively available only to the existing customers of the bank.

Features and Benefits of ICICI Platinum Credit Card

With the ICICI Bank Platinum Credit Card, you will enjoy a 2.5% surcharge waiver when you purchase fuel for a maximum of Rs.4000 at any HPCL petrol pump.
For every hundred rupees that you spend on anything except fuel, you will earn 2 PAYBACK points. You can redeem these points to avail exciting products.
With this card, you can avail multiple Platinum benefits on travel, dining, hotel, shopping, etc., from Visa.
Get 2 PAYBACK Points on every Rs.100 spent for retail purchases except fuel.
Get 1 PAYBACK Point for every Rs.100 spent on utilities and insurance spends.

ICICI Bank Platinum Credit Card Fees and Charges

Type of Charge	Charges
Joining fee	NIL
Annual fee	NIL
Cash Advance (Fees for transaction)	2.50 percent (Rs.300 minimum)
Fees for Redemption Handling	Rs.99 for redemptions based on catalogue and Rs.25 for in- store and online redemptions at Payback partner brands online
Fees for Dial-a-draft-transaction	3 percent of the draft value (Rs.300 minimum fee)
Charges for Over- limit	2.5 percent on the over- limit sum (Rs.500 minimum)
Cheque Return	2 percent of total due amount (Rs.450 minimum)
Fees for Auto - Debit return	2 percent of total due amount (Rs.450 minimum)
Cash Payment Fee at branches	Rs.100 for each payment transaction
Fees for Card Replacement	Rs.100
Fees for Cheque or Cash pick - up	Rs.100 per pick up
Request for Duplicate Statement	Rs.100
Interest rate	3.40% per month (40.80% per annum)
Request for Chargeslip	Rs.100 for each chargeslip
Charges for Late Payment	Below Rs.100: No charge Between Rs.100 and Rs.500: Rs.100 Between Rs.501 and Rs.10,000: Rs.500 More than Rs.10,000: Rs.750

ICICI Platinum Credit Card Eligibility Criteria

Existing card members of ICICI bank are eligible to apply for the ICICI Bank Platinum Credit Card.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on ICICI Bank Platinum Credit Card

Can I use my ICICI Bank Platinum Credit Card to make online purchases?
Yes, you can use your ICICI Bank Platinum Credit Card to make online purchases.
What will happen if I exceed my credit limit?
If you exceed your credit limit, then the bank will decide whether to approve the transaction or not. If the bank approves it, you will have to pay an over - limit fee.
In how much time will I get receive my credit card?
You will receive your credit card in 21 working days.
When will I be charged an interest?
The bank will charge an interest only when you fail to pay the total due amount by due date. The interest will be charged till you clear off all your pending amounts. You will also have to pay an interest on all the cash advances, starting from the transaction date until payment.
What does the auto- debit facility mean?
Through the auto- debit facility, you allow the bank to charge your credit card bills directly to your bank account every month.

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