ICICI Bank Platinum Credit Card 2025 - 2X Reward Points on All Spends | Apply Online
Perfect first credit card with comprehensive rewards and benefits
Annual Fee
₹499
Reward Rate
2X Points
Fuel Surcharge
Waived
Key Features & Benefits
2X Reward Points
Earn 2 reward points per ₹100 spent on all purchases
Fuel Surcharge Waiver
1% fuel surcharge waiver (₹20-500 per transaction)
Insurance Cover
₹2 lakh personal accident insurance coverage
Entertainment Benefits
Discounts on movie tickets and dining
Welcome Bonus
500 reward points on first transaction
Add-on Cards
Free add-on cards for family members
Reward Structure
| Category | Reward Rate | Value |
|---|---|---|
| All Purchases | 2 points per ₹100 | 2% value |
| Fuel | 2 points + surcharge waiver | 3% value |
| Utility Bills | 2 points per ₹100 | 2% value |
Points Value: 1 Point = ₹1 when redeemed
Points Validity: 3 years from earning
Minimum Redemption: 500 points
Fees & Charges
Annual Fee
₹499
Joining Fee
₹499
Fee Waiver
On ₹50,000 annual spends
Interest Rate
3.35% per month
Cash Advance Fee
2.5% (Min ₹500)
Foreign Currency Markup
3.5%
Eligibility Criteria
Requirements
- Age: 21-60 years
- Minimum Income: ₹20,000 per month (Salaried)
- Minimum Income: ₹2,50,000 per annum (Self-employed)
- Credit Score: 700+ (preferred)
- Good credit history
- ICICI relationship preferred
Required Documents
- Identity Proof (Aadhaar/PAN/Passport)
- Address Proof (Aadhaar/Utility Bill)
- Income Proof (Salary slips/ITR)
- Bank Statements (3 months)
- Employment proof
- Recent photographs
Pros & Cons
✅ Pros
- Good reward rate (2% on all spends)
- Low annual fee (₹499)
- Fuel surcharge waiver
- Free add-on cards
- Easy fee waiver
- Comprehensive insurance
- ICICI bank privileges
❌ Cons
- No airport lounge access
- Basic insurance amount
- Joining fee applicable
- Limited premium benefits
- Points validity only 3 years
- No special category bonuses
Apply for ICICI Platinum Credit Card
Perfect For
- ✅ Regular spenders
- ✅ ICICI Bank customers
- ✅ First-time premium card users
- ✅ Fuel expenses
- ✅ Balanced reward seekers