The ICICI Bank Instant Platinum Credit Card is a simple and effective option for individuals who seek instant access to a credit card with premium benefits. Available as an instant issue card, it is perfect for those who want to start using a credit card without the long waiting period. With exclusive offers on dining, shopping, and rewards for daily spends, this card provides a blend of convenience and premium features, ideal for individuals looking to earn benefits right from the start.
Key Features and Benefits
- Instant Card Issue
- Instant Card Issuance: You can get your ICICI Bank Instant Platinum Credit Card instantly upon approval, eliminating the waiting period typically associated with card delivery.
- Digital Card: Immediately after approval, you can start using the digital version of the card for online purchases, and a physical card will be delivered shortly.
- Reward Points
- Earn 2 reward points per ₹100 spent on all purchases.
- 1 reward point per ₹100 on other spends, including utility bills, groceries, and general shopping.
- Reward points can be redeemed for exciting gifts, vouchers, and cashback.
- Dining Delights Program
- Enjoy 10% – 15% discounts at over 2,500 partnered restaurants across India under the Dining Delights Program, giving you significant savings when dining out.
- Exclusive Shopping Offers
- Benefit from exclusive shopping discounts and deals from popular online and offline stores, offering great savings on your favorite brands.
- Fuel Benefits
- Get 1% fuel surcharge waiver at petrol stations across India for fuel purchases between ₹400 and ₹5,000.
- Easy EMI Conversion
- Convert your high-value purchases into easy EMIs with flexible tenures and competitive interest rates, making it easier to manage large expenses.
- Contactless Payment Technology
- The ICICI Bank Instant Platinum Credit Card comes with contactless payment technology, allowing you to make fast and secure payments at merchant outlets that accept it.
- Complimentary Insurance Benefits
- Enjoy accidental death coverage of up to ₹2 lakh, providing peace of mind for you and your loved ones.
- Purchase protection covers against loss or damage of purchased items, making your shopping experience more secure.
Fees and Charges
- Joining Fee: ₹500 (plus applicable taxes).
- Annual Fee: ₹500 (plus applicable taxes), which is waived off if you spend ₹50,000 or more annually.
- Interest Rate: 3.40% per month (or 40.8% per annum) on outstanding balances.
- Late Payment Fee: ₹100 to ₹1,000, depending on the outstanding balance.
Eligibility and Documentation
Eligibility Criteria:
- Age: Applicants must be between 21 and 60 years of age.
- Income: A steady source of income is required as per ICICI Bank’s eligibility criteria.
- Credit Score: A good credit score (typically 750 or higher) is recommended for better chances of approval.
Documents Required:
- Proof of Identity: PAN Card, Aadhaar Card, Passport, etc.
- Proof of Address: Utility bills, Voter ID, Passport, etc.
- Proof of Income: Salary slips, bank statements, or Income Tax Returns (ITR).
Why Choose the ICICI Bank Instant Platinum Credit Card?
- Instant Access: Get access to a credit card instantly upon approval, along with a digital card to start making transactions immediately.
- Rewarding for Daily Spends: Earn valuable reward points on every transaction, which can be redeemed for gifts, shopping vouchers, and more.
- Dining & Shopping Offers: Enjoy discounts and offers at partnered restaurants and shopping stores, making this card perfect for individuals who love to dine out and shop.
- Flexible EMI Options: With the option to convert large purchases into easy EMIs, you can manage your finances more conveniently.
- Fuel Benefits: Save on fuel purchases with a surcharge waiver, making this card even more beneficial for frequent drivers.
How to Apply?
- Online Application:
- Visit the ICICI Bank website and navigate to the Instant Platinum Credit Card page.
- Fill out the online application form with your details and upload the required documents for verification.
- Offline Application:
- You can also apply offline by visiting an ICICI Bank branch. Ensure you have the necessary documents ready for submission.
- Approval and Instant Issuance:
- After approval, the digital version of your card will be issued immediately, and the physical card will be sent to your registered address.
Conclusion
The ICICI Bank Instant Platinum Credit Card is a fantastic option for individuals who need a credit card quickly and want to start enjoying premium benefits like dining discounts, shopping offers, and fuel savings. With the ability to receive an instant digital card and a wide range of attractive features, this card is designed for individuals who want to experience the convenience and rewards of a premium credit card right from the start.
Whether you’re looking for a credit card for everyday use, dining out, shopping, or fuel savings, the ICICI Bank Instant Platinum Credit Card offers the perfect combination of benefits and convenience. Apply now and enjoy the perks instantly!
