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ICICI Lifetime Free Credit Card
ICICI bank is one of the pioneers in the credit card segment of the banking industry. ICICI Credit Card provides 3 cards under the lifetime free category.- ICICI Platinum Chip Credit Card
- ICICI Instant Platinum Credit Card
- Amazon Pay Credit Card
Highlights Of ICICI Lifetime Free Credit Cards
- No joining fee.
- No annual fee for lifetime.
About ICICI Lifetime Free Credit Card
ICICI Lifetime Free Credit Card Offers
ICICI Platinum Chip Credit Card | ICICI Instant Platinum Credit Card | Amazon Pay Credit Card |
|---|---|---|
2 ICICI Bank PAYBACK points for every Rs 100 on purchases. | 25% discount to a maximum of Rs 100 on 2 tickets booked at bookmyshow.com | 5% cash back on spending for Amazon Prime members. |
Not applicable to fuel transactions. | Maximum of 2 times in a month. | 3% cash back for non-Amazon Prime members. |
1 PAYBACK for every Rs 100 on insurance and utility payments. | Nil | 2% cash back on Amazon Pay payments to 100+ merchants. 1% cash back on all other expenses. |
15% offer on dining through 2,500 Culinary Treats Partner restaurants. | Specialised offers on dining through ICICI Bank Culinary Treats Programme. | 15% offer on dining through 2,500 Culinary Treats Partner restaurants. |
1% waiver on fuel surcharge. Maximum of Rs 4,000 in HPCL fuel stations. | 2 ICICI Bank PAYBACK points for every Rs 100 on purchases. Not applicable to fuel transactions. | 1% waiver on fuel surcharge. |
Features Of ICICI Lifetime Free Credit Card
- Contactless technology with a platinum chip.
- Additional security to prevent the card from duplication and counterfeiting.
- Benefits of ICICI Lifetime free credit card
- No joining fee and annual fee for the main card and supplementary cards as well.
- Earn interest on your fixed deposit and also pay low interest of 2.49% per month on your ICICI instant platinum credit card.
- You need not be an Amazon Prime Member to get offers from Amazon Pay Credit Card.
- The lifetime free credit cards can be used across 100 plus major brands like Swiggy, Bigbasket, Flipkart, Samsung, Makemytrip etc.
- State-of-the-art security with the platinum chip card.
Fees And Charges For ICICI Lifetime Free Credit Card
Fees and Charges | ICICI Platinum Chip Credit Card | ICICI Instant Platinum Credit Card | Amazon Pay ICICI Bank Credit Card |
|---|---|---|---|
Interest rate (Annualised Percentage Rate) | 40.80% | 29.88% | 42% to 45.6% |
Cash advance transaction fee | 2.5% of the advance. Minimum Rs 300 | 2.5% of the advance. Minimum Rs 300 | 2.5% of the advance. Minimum Rs 300 |
Dial-a-draft transaction fee | 3% of the draft value. Minimum Rs 300 | 3% of the draft value. Minimum Rs 300 | 3% of the draft value. Minimum Rs 300 |
Late payment charges | No fees if less than Rs 100. Rs 100 to Rs 500 – Rs 100 Rs 501 to Rs 10,000 – Rs 500 Rs 10,001 and above – Rs 750 | No fees if less than Rs 100. Rs 100 to Rs 500 – Rs 100 Rs 501 to Rs 10,000 – Rs 500 Rs 10,001 and above – Rs 750 | No fees if less than Rs 100. Rs 100 to Rs 500 – Rs 100 Rs 501 to Rs 10,000 – Rs 500 Rs 10,001 and above – Rs 750 |
Over-limit charges | 2.5% of the amount. Minimum Rs 500. | 2.5% of the amount. Minimum Rs 500. | 2.5% of the amount. Minimum Rs 500. |
Card replacement fee | Rs 100 | Rs 100 | Rs 100 |
Foreign currency transaction fee | 3.5% mark-up plus GST | 3.5% mark-up plus GST | 3.5% mark-up plus GST |
Eligibility For ICICI Lifetime Free Credit Card
Description | ICICI Platinum Chip Credit Card | ICICI Instant Platinum Credit Card | Amazon Pay ICICI Bank Credit Card |
|---|---|---|---|
Age | More than 23 years to 60 years. | 18 to 60 years | 18 to 60 years |
Occupation | Salaried | Salaried and Self-employed | Salaried and Self-employed |
Monthly Income | Rs 25,000 | Salaried - Rs 25,000 Self-employed – Rs 35,000 | Salaried - Rs 25,000 Self-employed – Rs 35,000 |
Documentation | Proof of Identity – Aadhar card, Voter’s ID, Passport, Driving licenceProof of Address – Aadhar card, Passport, Ration card, Utility bills latest, Bank account statement Proof of Income – Last 3 months’ salary slip for salaried Audited financial statements and bank statements for self-employed | Proof of Identity – Aadhar card, Voter’s ID, Passport, Driving licence Proof of Address – Aadhar card, Passport, Ration card, Utility bills latest, Bank account statement Proof of Income – Last 3 months’ salary slip for salaried Audited financial statements and bank statements for self-employed | Proof of Identity – Aadhar card, Voter’s ID, Passport, Driving licence Proof of Address – Aadhar card, Passport, Ration card, Utility bills latest, Bank account statement Proof of Income – Last 3 months’ salary slip for salaried Audited financial statements and bank statements for self-employed |
Instant Platinum Credit Card is issued against a fixed deposit of at least Rs 20,000 for 180 days. No lien should be marked against the fixed deposit.
How To Apply For The ICICI Lifetime Free Credit Card?
Through ICICI Bank Online
- Visit the official website of the ICICI Bank.
- On the top menu, click on “CARDS”.
- Click on “CREDIT CARDS”.
- Click on the card that you want to apply for.
- Click on “Apply Now”.
- You will be redirected to the ICICI Insta Platform.
- Enter your mobile number linked with Aadhar.
- Enter your registered or personal address.
- Enter the required personal, employment and income information.
- You can also personalise your credit card during the application process.
- Your information is verified with the supporting documents and the credit card is approved.
- You can also visit the ICICI Campaigns Page for the ICICI Platinum Chip Credit Card.
- Enter your full name, email address, city, and PAN and click Continue.
- The authorised representative from ICICI Bank will contact you for credit card processing.
Through Credit Mantri
- Use Credit Mantri’s services as a pre-screening process to check your eligibility for ICICI Platinum Chip Credit Card.
- Sign up at CreditMantri and get expert help.
Offline
You can visit any of the ICICI Bank branches where the credit card is served and apply physically. You can also apply for ICICI Bank Lifetime Free Credit Card in an ICICI ATM.FAQs of ICICI Lifetime Free Credit Cards:
1. How much is the processing time for ICICI Lifetime Free Credit Card?
If you are an existing customer of ICICI Bank, it takes 15-20 minutes for instant approval of the credit card. The normal processing time for other customers can take up to 3-5 business days.
2. What is the interest-free period of a credit card?
It depends on the date of statement generation. Usually, it is from 18 to 48 days.
3. What is the Credit Builder program?
It is an advisory program offered by ICICI Bank to improve your credit score. It is a complimentary membership given along with the ICICI Instant Platinum Credit Card.
4. How do I get the cash back on my Amazon Pay Credit Card?
The cash back is accumulated as Amazon Pay balance once the billing cycle is over.
5. How to know about the rewards earned in my ICICI life time free credit cards?
The rewards are reported in your credit card statement. You can also log in to your internet banking or mobile app, visit the credit card section and know about the rewards and cash back earned.
