Platinum Chip Credit Card

By ICICI · Visa

FREE

Annual Fee

FREE

Joining Fee

up to 6%

Best Rate

Apply now + Compare Full Benefits →

The Verdict

The simplest card in our entire 20-card collection. True lifetime free — no fee, no conditions, no spend requirements. Reward rate of 0.5% (2 RP/₹100 at ₹0.25/RP) is low but expected for a free card. ...

Best Suited For

Credit card beginners — zero cost to hold, builds credit history
Users wanting a no-fee card with basic rewards (0.5% retail)
HPCL fuel users — 1% surcharge waiver
Budget-conscious users who prefer zero annual commitment
Users wanting iShop acceleration without paying any card fee

Airport Lounge Access

Domestic
None
International
None

Reward Rates

IShop Hotels (12X)	6%
IShop Flights/Vouchers (6X)	3%
Grocery/Dept Stores Cap: ₹20,000/month	0.5%
Base Spends	0.5%
Utility & Insurance Cap: ₹40,000/month	0.3%