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Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit Card vs ICICI Bank Platinum Chip Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Kotak Mahindra Bank

Kotak Infinite Credit Card

8.2/10
Annual FeeFree
Base Rewards0.5599999999999999%
NetworkVisa
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ICICI Bank

ICICI Bank Platinum Chip Credit Card

6.5/10
Annual FeeFree
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureKotak Infinite Credit CardICICI Bank Platinum Chip Credit Card
Annual FeeFreeFree
Joining FeeFreeFree
Fee Waiver SpendN/AN/A
Base Reward Rate0.5599999999999999%0.125%
Reward CurrencyReward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating8.2/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

ICICI Bank Platinum Chip Credit Card

No accelerated rewards listed

Pros & Cons

Kotak Infinite Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 2 complimentary golf rounds every month at premier courses in India
  • Monthly bonus of 800 reward points (worth ₹800) with no spend threshold
  • Low foreign currency markup fee of 2% for international transactions

Cons

  • Low base reward rate of 1 point per ₹125 spent (~0.56% value)
  • Invite-only eligibility restricted to Wealth Management clients
  • Discontinued for new sourcing; available only to existing bank relationships

ICICI Bank Platinum Chip Credit Card

Pros

  • Lifetime free card with no joining or annual fees ever
  • Earn 2 reward points for every ₹100 spent on retail purchases
  • 1% fuel surcharge waiver at HPCL pumps for transactions up to ₹4,000
  • Minimum 15% savings on dining bills at 2,500+ partner restaurants via Culinary Treats

Cons

  • No complimentary airport lounge access
  • Low reward rate of 0.5% on general retail spends
  • Reward points on utilities and insurance are capped at 1 point per ₹100

Our Verdict

Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Chip Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Kotak Infinite Credit Card if

Offers unlimited global lounge access and consistent golf benefits without an annual fee for wealth clients.

Choose ICICI Bank Platinum Chip Credit Card if

Ideal for beginners looking to build a credit history without the burden of annual fees.

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or ICICI Bank Platinum Chip Credit Card?
Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Platinum Chip Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Kotak Infinite Credit Card and ICICI Bank Platinum Chip Credit Card?
Kotak Infinite Credit Card has no annual fee, while ICICI Bank Platinum Chip Credit Card has no annual fee.
Which card has better rewards: Kotak Infinite Credit Card or ICICI Bank Platinum Chip Credit Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. ICICI Bank Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and ICICI Bank Platinum Chip Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and ICICI Bank Platinum Chip Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or ICICI Bank Platinum Chip Credit Card?
For beginners, Kotak Infinite Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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