Eligible spend
2 points per ₹100 on eligible spend
ICICI VISA
Platinum Chip
Should you get this?
Conditional fit
Trade-off
Forex markup is 3.5%, so this can get expensive for frequent international spends.
Annual fee ₹0 no annual fee currently listed
Rewards 2 pts / ₹100
Forex markup 3.5% high
Compare with Axis Bank ACE →
Closest alternative from the same pricing or usage lane.
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2 pts / ₹100Credited as reward pointsDoes not earn on Not stated
- fuel
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
No reward on
- Fuel
Realisation
Credited as reward points
Costs & fees
Reported but unverified
Evidence · not used as this card's figures- Renewal fee
- ₹0Reported by secondary sources · verify with issuer · 1 source
Evidence only · excluded from decisions
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Reward point value isn't clearly documented yet, so overall returns may vary.
- Lounge access not verified.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ~1,000 pts/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
- We can estimate the points earned, but not a verified ₹ value yet.
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Lounge access not verified
Rewards
- Points per ₹100
- 2 points per ₹100 · verified 6 Jul 2026 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹0
- Joining fee
- ₹0 · verified 19 Jun 2026
- Interest-free period
- Up to 48 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- ICICI official page
- CardInsider
- PaisaBazaar
- Cred ICICI Platinum Chip
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹4,000.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions
These spends do not earn reward points.
Financial
- Fuel
Latest update
- Annual fee: ₹0.
- Forex markup currently listed at 3.5%.
- Lounge access not verified.
Common questions
From verified card factsIs this good for lounge access?
Lounge access is not fully verified. Check issuer terms before relying on this card for lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
No joining, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Forex markup bands
0% vs 3.5% — which cards publish what - Cashback vs points
When simple cash beats flashy miles