Which card has the lower annual fee?

ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

IRCTC ICICI Bank Credit Card leads with an estimated ₹1,063/yr net annual value on moderate spend.

Which card has the lower income requirement?

ICICI Platinum Chip lists a minimum monthly income of ₹18,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

ICICI Platinum Chip vs IRCTC ICICI Bank Credit Card

Honest side-by-side comparison of ICICI Platinum Chip, IRCTC ICICI Bank Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, IRCTC ICICI Bank Credit Card leads ICICI Platinum Chip by about ₹1,205/yr in estimated net value.

ICICI Platinum Chip vs IRCTC ICICI Bank Credit Card comparison table
Feature	ICICI Platinum Chip ICICI Bank	IRCTC ICICI Bank Credit Card ICICI Bank
Annual fee	₹0	₹0
Min income (monthly)	₹18,000	₹20,000
Top reward rate	1 RP/₹150	10% reward points
Net annual value (moderate spend)	-₹142/yr	₹1,063/yr
Secured / FD-backed	No	No
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: IRCTC ICICI Bank Credit Card leads with an estimated ₹1,063/yr net annual value on moderate spend.
Which card has the lower income requirement?: ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

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Your adjusted comparison

Feature	ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip ICICI Bank	ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank
Annual fee	₹0	₹0
Min income	₹18,000	₹20,000
Top reward rate	1 RP/₹150	10% reward points
Net value (moderate)	-₹142/yr	₹1,063/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	—

ICICI Platinum Chip details →IRCTC ICICI Bank Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More ICICI Platinum Chip comparisons