Instant lifetime-free credit card against ICICI Bank fixed deposit
Free
One-time upfrontFree
Waiver on milestoneStandard Points
On eligible spendsNo Lounge Access
Complimentary visitsLast verified 14 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
Over-the-counter secured credit card issued against an ICICI Bank fixed deposit of ₹50,000 or more. Features zero joining fee and zero annual fee for life.
Domestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding ICICI Bank Instant Platinum Credit Card application, fees, reward redemption, and eligibility
The joining fee for ICICI Bank Instant Platinum Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.
Fee waiver is subject to promotional milestone spends published by ICICI Bank from time to time.
ICICI Bank Instant Platinum Credit Card offers reward points on eligible transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
No, ICICI Bank Instant Platinum Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.
Key eligibility criteria for ICICI Bank Instant Platinum Credit Card include minimum age of 18 years, residency status of Resident Indian. Approvals remain subject to card issuer verification and underwriting policies.
You can apply directly through the official ICICI Bank portal by clicking the Apply button on this page. Complete the paperless digital application, submit your Aadhaar and PAN details, and complete video KYC for quick dispatch.
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Direct online application on the official ICICI Bank portal with paperless verification.