ICICI Bank Platinum Chip
ICICI Bank · Checked 2026-10-09
ICICI Bank Platinum Chip is a no-annual-fee option centred on shopping rewards and reward points.
CardIQ editorial view
Our take
ICICI Bank Platinum Chip is a no-annual-fee option centred on shopping rewards and reward points.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise reward points.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- 2 points per ₹100 on eligible retail purchases.
- Fuel surcharge waiver is subject to issuer transaction and merchant conditions.
Trade-offs to understand
- 1 point per ₹100 on eligible utility and insurance payments.
- Fuel surcharge waiver is subject to issuer transaction and merchant conditions.
CardIQ verdict
A sensible long-term choice when you want shopping rewards and reward points without a recurring membership charge. Check this condition before applying: 1 point per ₹100 on eligible utility and insurance payments.
Compare before deciding
- AU LIT — A similarly priced alternative for comparing shopping rewards and reward points.
- AU NOMO — A similarly priced alternative for comparing shopping rewards and reward points.
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Benefits, limits and conditions
- 1 point per ₹100 on eligible utility and insurance payments.
- No joining or annual fee.
- Fuel surcharge waiver is subject to issuer transaction and merchant conditions.