Question 1

Is there a joining fee or annual fee for Platinum Chip Credit Card?

Accepted Answer

The Platinum Chip Credit Card has no joining fee or annual fee.

Question 2

What is CVV in a Credit Card? How do I find it on my ICICI Bank Platinum Chip Credit Card?

Accepted Answer

Flip your Platinum Chip Credit Card. The three-digit Security Code next to the signature panel is your CVV (Card Verification Value). You can also check it by logging in to your iMobile app or Net Banking.

Question 3

Which bank's Credit Card should I opt for?

Accepted Answer

The ICICI Bank Platinum Chip Credit Card is an excellent choice. It has no joining fee or annual fee.

Question 4

What is the age limit to apply for a Platinum Chip Credit Card?

Accepted Answer

You must be between the ages of 21-65 years to be eligible to apply for an ICICI Bank Platinum Chip Credit Card.

Question 5

How to know the payment due date of the Platinum Chip Credit Card?

Accepted Answer

You can know the payment due date of your Platinum Chip Credit Card through the monthly statement, iMobile app, Net Banking or by calling our Customer Care on 1800 1080.

Question 6

Which Bank issues a Credit Card at no cost?

Accepted Answer

ICICI Bank issues the Platinum Chip Credit Card without any joining fee and annual fee. For more information, call on 1800 1080.

Question 7

What security features are provided by the chip and PIN?

Accepted Answer

The Credit Card comes with an embedded microchip that provides enhanced security against counterfeiting and duplication. For transactions at merchant outlets, customers must enter a Personal Identification Number (PIN) to complete the payment. However, this PIN is not required for online transactions.

Question 8

What is the fuel surcharge waiver offered to Cardholders?

Accepted Answer

Cardholders can avail of a 1% fuel surcharge waiver on all fuel transactions of ₹400 to ₹4,000 at HPCL fuel outlet in India. This benefit applies to both the primary Cardholder and the Plus (supplementary) cardholder, helping them save on regular fuel expenses. The waiver is automatically applied when the eligible transaction is completed using the Credit Card.

Question 9

How do the chip and PIN improve security?

Accepted Answer

The chip and PIN provide robust protection against Card misuse by requiring a PIN for in-person transactions. This prevents unauthorized access even if the card is lost or stolen, significantly reducing the risk of fraudulent use.

Question 10

When is the PIN required for transactions?

Accepted Answer

The PIN is required for transactions made on POS terminals (swipe machines) at merchant outlets in physical locations. Customers must enter their PIN on the terminal to complete the transaction securely.

Question 11

Is PIN required for online transactions?

Accepted Answer

No, the PIN is not required for online transactions. Online payments can be completed without entering the PIN, but other security measures may still apply, such as OTP verification.

Category	Rate	Cap
Retail	—	—
Utility Insurance	—	—

Category	Rate	Cap
Retail	—	—
Utility Insurance	—	—

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