ICICI Bank Platinum Chip Credit Card

Organisation : ICICI Bank
Facility : Platinum Chip Credit Card
Home Page : http://www.icicibank.com/Personal-Banking/cards/Consumer-Cards/Credit-Card/Platinum-chip/key-privileges.page

ICICI Bank Platinum Chip Credit Card

Safe, convenient and flexible, powered by exciting benefits.

ICICI Bank Related / Similar Facility :
ICICI Bank Loan Outstanding Payments Online

ICICI Bank All Services

The ICICI Bank Platinum Chip Credit Card offers you great value as a no-frills, easy to manage card with these exciting benefits:
** Security of a chip card to protect you against the risk of fraud.
** Rewards powered by PAYBACK, redeemable for exciting gifts and vouchers.
** Fuel surcharge waiver.
** Minimum 15% savings on dining at over 800 restaurants courtesy our Culinary Treats program.

or SMS “PLAT” to 5676766 and we will call you back
For more details, please browse through sections on the left.

FAQs

I have applied for a credit card. When will I get it?
Processing of a new credit card may take up to 21 working days.

What should I do if my card is lost or damaged?
a. Inform our ICICI Bank Customer Care Centre. immediately. They will block your lost/damaged card instantly and a new card will be delivered to you within seven days.
b. SMS CCBLK <last four digits of card number> and send it to 5676766 from the registered mobile number. Response SMS to confirm that the card is blocked.

Can I retain my credit card if I emigrate?
Credit cards (including global cards) are issued to resident Indians only. Therefore, under RBI guidelines, you have to clear your outstanding and surrender your credit card to the issuing bank if you are proceeding abroad on employment or on emigration

Can I use my credit card for expenses on the Internet?
Yes, your credit card can be used for expenses on the Internet. However, the Reserve Bank of India prohibits its use for certain expenses on its banned list like football pools, sweepstakes and lotteries.

How do I use my credit card?
Please check out the Usage Guidelines for credit cards.
Query on Cash limit reduction
As a standard banking practice, we review our cash withdrawal policies on credit cards regularly. Based on the recent review, cash limits for all ICICI Bank Credit Card customers are being reduced. However, the overall credit limits remain unchanged.

How do I update my Mobile number/Email address?
Branch Banking- Customer need visit to Branch Banking to update Mobile number/Email address.

Want to know why interest charges are levied?
Interest will be charged if the Total Amount Due is not paid by the payment due date. Interest will be charged on the Total Amount Due and on all new transactions (from the transaction date) till such time as the previous outstanding amounts are paid in full. Also, interest will be levied on all cash advances from the date of the transaction until the date of payment.

Queries related to Insurance Policy?
For queries related to insurance policies, please contact ICICI Lombard on toll-free no.18002098888.
You may also write to:
ICICI Lombard General Insurance Company Ltd,
Customer Support Team,
4th Floor, Interface 11,
Office No 401 & 402,
New Link Road,
Malad (W),
Mumbai – 400064.
You may also login at icicilombard.com and click on “Customer Support” and then on “Grievance Redressal” to communicate your complaint.

What if I cross my credit limit?
If you make a transaction that exceeds your available credit limit, ICICI Bank will use its discretion and decide whether or not to approve the transaction. If the transaction is approved, an over-limit charge would be levied to the card account. The over-limit charge is 2.5% of the amount by which the credit limit is exceeded (subject to a minimum charge of Rs.500).

What is a temporary credit-limit enhancement?
There will be times when you feel the need for an increase in your credit limit to enable you to make increased purchases on your card. To avail of temporary credit-limit enhancement, all you need to do is call our Customer Care Centre and make your request. ICICI Bank can increase your credit limit at its discretion.

Please note that this facility is available only after 9 months of membership and based on credit history

What is a self-set limit?
You can pre-set the monthly spending limit on your supplementary/add-on credit card. Any transactions over the specified ‘Spend Limit’ will be declined.

What is the revolving credit facility?
When you receive your bill, you have the flexibility of selecting any of the following payment options:
Pay the total amount due.
Pay only the minimum amount due.
Pay any amount ranging from the minimum amount due to the total amount due.
Should you opt for either of the last two options, then the unpaid amount due is carried forward to the next billing period. This is referred to as the revolving credit facility

When do I start paying interest on new purchases if I am already revolving credit?
If you are revolving credit, fresh purchases attract interest from their respective dates of purchase.