Platinum Chip Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: ICICI Bank
Network: Visa | Tier: Entry
Basic card
Why Choose the Platinum Chip Credit Card?
The Platinum Chip Credit Card is a Entry-tier Visa credit card issued by ICICI Bank, rated 4.1/5 by the Credit Card Hunt editorial team. It is best suited for Beginners. With a reward rate of Reward points and an annual fee of NIL, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
Platinum Chip Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.4% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Platinum Chip Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Beginners |
Key Highlights of the Platinum Chip Credit Card
- Basic card
- Reward points
Platinum Chip Credit Card Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 700+
- Minimum income: ₹2
- 00
- 000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the Platinum Chip Credit Card
- Lifetime free
Drawbacks of the Platinum Chip Credit Card
- Low rewards
Platinum Chip Credit Card — Frequently Asked Questions
What is the annual fee of the Platinum Chip Credit Card?
The Platinum Chip Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the Platinum Chip Credit Card offer airport lounge access?
No, the Platinum Chip Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the Platinum Chip Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Platinum Chip Credit Card?
The Platinum Chip Credit Card earns Reward points. It is best suited for Beginners.
Credit Cards Similar to the Platinum Chip Credit Card
If you are considering the Platinum Chip Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by State Bank of India (SBI) — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC First Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Expert Rating: 4.1/5