ICICI Bank

VISA

Instant Platinum

ICICI Bank Instant Platinum

A fee-free Visa card issued instantly against an existing ICICI Bank fixed deposit, with no income proof required.

fees-freefirst-timers

Last reviewed 26 July 2026

Fees

Joining fee

₹0

Annual fee

₹0

Waiver: No joining or annual fee ever charged; the card is secured against a fixed deposit instead of an income-based credit line

Eligibility

Age: 18+ yrs

Employment: salaried, self employed, business owner, student

Rewards

utility insurance1x points

all other2x points

Perks

✓Fuel surcharge waiver: 1%1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 at HPCL outlets on ICICI Bank terminals
✓Forex markup: 3.5%
✓15% discount at 800+ partner restaurants via ICICI Bank's dining program
✓Credit limit set at up to 90% of the linked fixed deposit amount
✓The FD continues to earn its normal interest even while pledged as collateral

Common questions

What is the annual fee on the ICICI Bank Instant Platinum?: The joining fee is ₹0. The annual fee is ₹0. No joining or annual fee ever charged; the card is secured against a fixed deposit instead of an income-based credit line
What are the reward rates on the ICICI Bank Instant Platinum?: ICICI Bank Instant Platinum earns 1x points on utility insurance, 2x points on all other spends.
Does the ICICI Bank Instant Platinum offer airport lounge access?: No, the ICICI Bank Instant Platinum does not include complimentary airport lounge access.
Who is eligible for the ICICI Bank Instant Platinum?: Applicants typically need a minimum age of 18, and must be salaried or self employed or business owner or student. Exact criteria are set by ICICI Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

utility insurance

₹

1x points

Everything elseBest rate

₹

2x points

Estimated annual value—

Apply now

Annual fee

₹4,500

Up to

2x points

CompareView details →

Annual fee

₹495

Up to

20x points

CompareView details →

Annual fee

₹0

Up to

10x points

CompareView details →

Perks

✓Fuel surcharge waiver: 1%1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 at HPCL outlets on ICICI Bank terminals

✓Forex markup: 3.5%

✓15% discount at 800+ partner restaurants via ICICI Bank's dining program

✓Credit limit set at up to 90% of the linked fixed deposit amount

✓The FD continues to earn its normal interest even while pledged as collateral

Common questions

What is the annual fee on the ICICI Bank Instant Platinum?

The joining fee is ₹0. The annual fee is ₹0. No joining or annual fee ever charged; the card is secured against a fixed deposit instead of an income-based credit line

What are the reward rates on the ICICI Bank Instant Platinum?

ICICI Bank Instant Platinum earns 1x points on utility insurance, 2x points on all other spends.

Does the ICICI Bank Instant Platinum offer airport lounge access?

No, the ICICI Bank Instant Platinum does not include complimentary airport lounge access.

Who is eligible for the ICICI Bank Instant Platinum?

Applicants typically need a minimum age of 18, and must be salaried or self employed or business owner or student. Exact criteria are set by ICICI Bank and can vary by application.

ICICI Bank Instant Platinum

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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ICICI Bank Instant Platinum

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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