The ICICI Bank Platinum Chip Credit Card is a good option for those new to credit cards or looking for a no-frills card with basic benefits [ICICI Bank Platinum Chip Credit Card]. Here’s a breakdown of its features:
Eligibility:
- Age: Over 21 years old [ICICI Bank Platinum Chip Credit Card]
Fees:
- Joining Fee: NIL [ICICI Bank Platinum Chip Credit Card]
- Annual Fee: NIL (lifetime free) [ICICI Bank Platinum Chip Credit Card]
Types:
The Platinum Chip Credit Card comes in two options: Visa and Mastercard [ICICI Bank Platinum Chip Credit Card]. There are no significant differences between the two.
Rewards:
- Earns rewards points on purchases, typically offering more points in retail categories [ICICI Bank Platinum Chip Credit Card]
Offers:
- May offer occasional promotions or discounts with partner brands [ICICI Bank Platinum Chip Credit Card]
Benefits:
- Security: Chip and PIN technology for enhanced security against fraud [ICICI Bank Platinum Chip Credit Card]
- Fuel surcharge waiver: You might get a waiver on fuel surcharge at petrol pumps [ICICI Bank Platinum Chip Credit Card]
Longue Access:
- This card typically does not offer complimentary airport lounge access [ICICI Bank Platinum Chip Credit Card]
Features:
- Widely accepted by merchants due to Visa or Mastercard network
- Can be a good option to build your credit score with responsible use
The ICICI Bank Platinum Chip Credit Card is a decent entry-level credit card with no annual fees. It’s suitable for those who are new to credit cards and want to build their credit score or for someone who makes routine purchases and wants to earn some rewards points. However, if you’re a frequent traveler or big spender looking for premium rewards and benefits like airport lounge access, this card might not be the best fit. Consider cards like the ICICI Bank Rubyx Credit Card if those features are important to you.
