ICICI Bank Instant Platinum Credit Card
ICICI Bank
A secured, lifetime-free credit card issued instantly against an ICICI Bank FD, offering basic rewards, dining and movie discounts, and a fuel surcharge waiver. Ideal for those building or rebuilding credit.
✅Who Should Get This Card?
✅Who Should Get This Card?
- New to Credit / No Credit History
- Individuals with Low or Poor Credit Scores
- Those rebuilding their credit history with a secured option.
- Students or Homemakers (if they can create a fixed deposit in their name, ₹50,000 minimum).
- People Without Income Documents (no income proof required).
- Budget-Conscious Users (lifetime free card with no joining or annual fees).
- People Who Want Basic Perks (some rewards, dining discounts, and movie offers without high eligibility).
🚫Not Ideal For
- High Spenders / Premium Users (no high-end features like lounge access, concierge services, or accelerated rewards).
- Users Who Don't Want to Lock In Funds (requires a minimum ₹50,000 fixed deposit that remains locked as security).
- Frequent International Travelers (3.5% forex markup fee; no global travel benefits or lounge access).
- Reward Maximizers (low reward rate and limited redemption options; not suitable for those who value high cashback or reward programs).
📝Eligibility Criteria
- Eligibility criteria for this card are not specified. Please check with the issuing bank for details.
✅Who Should Get This Card?
- New to Credit / No Credit History
- Individuals with Low or Poor Credit Scores
- Those rebuilding their credit history with a secured option.
- Students or Homemakers (if they can create a fixed deposit in their name, ₹50,000 minimum).
- People Without Income Documents (no income proof required).
- Budget-Conscious Users (lifetime free card with no joining or annual fees).
- People Who Want Basic Perks (some rewards, dining discounts, and movie offers without high eligibility).
📝Eligibility Criteria
- Eligibility criteria for this card are not specified. Please check with the issuing bank for details.
Joining and Annual Fees
•Joining Fee: ₹0
•Annual Fee: ₹0