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ICICI
Platinum
•••• •••• •••• 0000
Platinum Debit
VISAICICI Bank • Visa• Platinum
Annual Fee
Free
Base Reward Rate
0.13%
Foreign Tx Fee
3.5%
Tier
Platinum
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹10,000 per quarter
✅ USER-RESOLVED 2026-05-28: **2 complimentary domestic lounge visits per CALENDAR QUARTER** via Visa Lounge program. **Activation:** ₹10,000 spend via POS + e-commerce in PREVIOUS calendar quarter (ATM and UPI excluded). Primary cardholder ONLY (no guest visits). ₹2 refundable verification charge per visit. Alternative qualifier per ICICI: maintain ₹2 Lakh in deposits. Note: ICICI's website 'Up to 1/qtr' wording applies to standard entry-level chip variants — Platinum gets 2.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹735
Blended 0.12% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
ICICI Platinum Chip Debit Card (Visa Platinum). Annual ₹300+GST. Card replacement ₹300+GST. Rewards: 1 PAYBACK pt per ₹200 domestic, 2 PAYBACK pts per ₹200 international (1 RP = ₹0.25). **Lounge access: 2 complimentary domestic visits per CALENDAR QUARTER** via Visa Platinum program. **Activation required: ₹10,000 spend in PREVIOUS quarter (POS + e-commerce only — ATM/UPI EXCLUDED).** Primary cardholder only (no guest visits). ₹2 refundable auth charge for verification. Must carry debit card + same-day or next-day boarding pass for entry. Tap-and-Pay enabled (PIN-free txns via Android). Limits (ICICI official): Dom ₹50K/day spend, Intl ₹1L/day. ATM withdrawal ₹1L/day (dom+intl combined). Daily POS retail (per sources): Dom ₹7.5L, Intl ₹1.5L. Zero Liability Protection. Fuel surcharge waiver (2.5% on ≤₹400 txns). Reward redemption: cashback or catalog (health/beauty, travel, electronics, fashion). Free PIN gen. Activated at ICICI ATM. | ✅ USER-RESOLVED 2026-05-28: Lounge 2/qtr ₹10K POS+ecom in prev qtr CONFIRMED. Full exclusion list: Mutual Funds, Education, Utilities, Insurance, Fuel, Wallet, Telecom, Government, Post Office. Daily ATM limits: Dom ₹50K, Intl ₹1L. Daily POS limits: Dom ₹3L, Intl ₹1.25L. Fuel waiver at HPCL/IOCL/BPCL.
Excluded categories