AU Small Finance Bank Altura Credit Card
AU Small Finance Bank
Rewards 1.0%
Net Value ₹6,006
Joining Fee ₹199
Renewal Fee ₹0
— • Forex 3.5%
ICICI Platinum Chip Credit Card
ICICI Bank
Entry-level lifetime free credit card
Joining Fee
₹0
+ 18% GST
First Year Net
+₹6,000
Annual Fee
₹0
+ 18% GST
Renewal Net
+₹6,000
Base Reward Rate
1.0%
1 points per ₹100
Best Category
2.0%
Final Net Score
13
out of 100
Net Annual Value
+₹6,000
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
13/100
Effective Reward Rate
Weighted average based on your spending categories
1.0%
Annual Net Value
Expected yearly benefit after all costs
₹6,000
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Entry-level lifetime free credit card
Launch Date
2015
Networks
Visa Platinum
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹15,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹6,000
Fee outcome
Fee likely waived
Why this result
- Top earning category: retail purchases has elevated rewards, which can improve value when your spend matches it.
Details
Spend curve and supporting scenario values
ICICI Platinum Chip Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: Free
- Foreign Transaction: 3.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 1.0% reward rate
- Lounge Access: Available
- Our Rating: 13/100
ICICI Platinum Chip Credit Card - Frequently Asked Questions
What are the benefits of ICICI Platinum Chip Credit Card?
ICICI Platinum Chip Credit Card from ICICI Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for ICICI Platinum Chip Credit Card?
ICICI Platinum Chip Credit Card is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does ICICI Platinum Chip Credit Card cost?
The annual fee for ICICI Platinum Chip Credit Card is free. Additional charges may include foreign transaction fees and late payment charges.
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