ICICI Bank Instant Platinum Credit Card
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उत्पाद विवरण
क्रेडिट कार्ड का नाम
ICICI Bank Instant Platinum Credit Card
Bank Name :
ICICI Bank
प्रकार
Regular Credit Card
ब्याज दर
Interest Rate: 2.49% per month (annual interest rate - 29.88%).
पात्रता
Age: Miniimum age of applicant should be 18
Fixed Deposit: Applicant should maintain a FD with ICICI Bank. FD amount should be of INR 50,000 and above. The FD should be in auto renewal mode.
पेशेवरों
Reward Points: Users will get 2 reward points on spending INR 100. Value of 1 reward point = INR 0.50. Cashback percentage: 1%.
Users will get offers from Visa from time to time.
दोष
Low cashback rate.
No free movies.
No free airport lounge visits.
Limited value add benefits.
पक्ष विपक्ष
Welcome Benefits
None.
पुरस्कार प्रणाली
Users will get 2 reward points on spending INR 100. Value of 1 reward point = INR 0.50. Cashback percentage: 1%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
3.5%.
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Card is issued against fixed deposit maintained with ICICI Bank. Individuals with low cibil score can apply for this card.
Eligibility Criteria
Age: Miniimum age of applicant should be 18
Fixed Deposit: Applicant should maintain a FD with ICICI Bank. FD amount should be of INR 50,000 and above. The FD should be in auto renewal mode.
फ़ायदे
Card is issued against fixed deposit maintained with ICICI Bank. Individuals with low cibil score can apply for this card.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
There are two major ways to apply for the card, depending on whether you have an existing ICICI Bank Fixed Deposit or not:
With an existing FD:
Minimum FD Requirement: You need to have an ICICI Bank FD of at least INR 50,000 and it should be in auto-renewal mode.
Visit your nearest ICICI branch: Bring your PAN card and proof of address documents.
Apply against your FD: The bank will link your FD to the card and issue the card instantly.
Without a Fixed Deposit:
Apply online: This option is available for existing ICICI customers. You can access the application form through the ICICI website or mobile app.
Documents: PAN card, proof of address, proof of income (salary slips or ITR documents).
Approval process: You will receive a decision within a few days. If approved, you might need to visit a branch for verification and card collection.
सम्पर्क करने का विवरण
1800 1080
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Reward Points: Users will get 2 reward points on spending INR 100. Value of 1 reward point = INR 0.50. Cashback percentage: 1%.
Users will get offers from Visa from time to time.
Low cashback rate.
No free movies.
No free airport lounge visits.
Limited value add benefits.
This card has minimum value add benefits. Even the cashback rate is low. The only good thing about the card is that it is issued against fixed deposit maintained with ICICI Bank. Individuals with low cibil score can apply for this card.
ICICI Bank Instant Platinum Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
Joining Fee: INR 0
Annual Fee (Second year onwards): INR 0
Interest Rate: 2.49% per month (annual interest rate - 29.88%).
Interest On Cash: 2.49% per month (annual interest rate - 29.88%).
Forex Marku: 3.5%
Cash Withdrawal Fee: 2.5% on advanced amount , subject to minimum of INR 500.
Rewards Redemption Fee: INR 99
Late Payment Charges: 0-1200 depending on the outstanding amount.
ईंधन अधिशुक्ल
1%, however, fuel surchage waiver avaiable on HPCL petrol pumps for transactions upto INR 4,000.
Billing Cycle
30 days.