ICICI Bank Platinum Chip Credit Card: rewards, caps and exclusions
The ICICI Bank Platinum Chip Credit Card pays about 0.5% on Transport, on the first ₹10,000 of spend a cycle, and 0.5% on everything else. Below is every rate, cap and exclusion in ICICI Bank's published terms, as we last checked them on 28 August 2026.
What it earns
≈ marks a rate paid in points, converted at ₹0.25 a point: the lowest redemption value ICICI Bank documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Cash withdrawals and fees
- Money transfers
- Rent
- Wallet loads
- Fuel
What costs extra
Worse than earning nothing: ICICI Bank charges a fee for these.
- 1% on Rent pay, plus GST
Fees
- Annual fee: none
- Joining fee: none
- Foreign-currency markup: 3.5%
Where this comes from
Transcribed from ICICI Bank's own documents and checked against them on 28 August 2026:
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with ICICI Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
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