CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
ICICI Bank

ICICI Platinum Identity Debit Card

29
Ranked #29 of 66 in debit
debitVisaMid-Premium

ICICI Bank's mid-premium Platinum Identity debit card offering enhanced identity/personalization features alongside standard lounge access.

Score breakdown

Data completeness: 75% · Last verified: 09 Jul 2026

Reward value11/100 · weight 71%
≈ 0.50% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency96/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks19/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
₹499 + 18% GST
= ₹589 / year total
Waiver: Not detailed as waivable; standard fee applies
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
all_spendspoints0.50%(2 pts @ ₹0.25)—2 Reward Points on every Rs 200 spent across all merchants
fuelcashback0%—Zero fuel surcharge at select pumps across India

Welcome offer

None specified

Milestone benefits

Pros

  • Identity/personalization features
  • mid-premium positioning between Coral and Rubyx tiers

Cons

  • Limited card-specific public documentation found beyond general ICICI debit card tier structure

Insurance cover

text
₹NaN

Eligibility

text
ICICI Bank savings account holder

Small print

Fuel surcharge:1% waiver on fuel transactions