Just Go & Get Your Credit Card Instantly - ICICI Bank Instant Platinum Credit Card Full Review

Second largest private sector bank in India, ICICI Bank has been offering a wide range of banking products and financial services for corporate and retail customers. ICICI bank has introduced ICICI Bank Instant Platinum Credit Card targeting first time users. A person, who wishes to get a Credit Card for the first time, finds it sometimes difficult to obtain a credit card as he doesn't have any good credit background. ICICI Bank Instant Platinum Credit Card is the solution to his problem. He has to simply visit the branch with basic documentation, get the card over-the-counter against your ICICI Bank Fixed Deposit & walk away with a credit card in matter of minutes. It is also the best card for free Credit Card lovers, one just need to have a Fixed Deposit Account with ICICI bank.

You get an assured Card at Zero Annual Fee if you have a valid Fixed Deposit; no income documents are required.

Global Emergency Assistance and Card replacement service is available.

Embedded microchip in the card provides additional security against counterfeiting and duplication of cards.

• Earn reward points and redeem for cash
• Get Rs. 100 discount on up to 2 movie tickets every month at www.bookmyshow.com
• Save on dining at over 800 restaurants in India
• Earn interest on your Fixed Deposit and use the Instant Card to manage your day to day liquidity

• Earn 2 PAYBACK Reward points on every Rs.100 spent on all purchases, except fuel
• You can save on joining and annual fees
• This card carries an interest rate of 2.49% per month which is much lower and reasonable as compared to other credit cards in the same segment
• Get minimum of 15% discount while dining out at around 800 restaurants all over India
• Enjoy 1% Fuel Surcharge waiver at HPCL pumps on transaction of maximum Rs. 4000

• You need to have a fixed deposit account at least Rs. 20000 with ICICI Bank to get the card
• It doesn't offer any cashback
• Reward redemption ratio is not so great

Though ICICI Bank Instant Platinum Credit Card doesn't offer amazing reward points and any cashback, it is well suited option for a student, first time user, a housewife, a non-salaried person or a person with bad credit score who is in search of a good and free credit card.

ICICI Bank Instant Platinum Credit Card is one of the best cards in its category & great card for those who actually need to improve their credit score without any fee.