ICICI BankICICI Bank Expressions Credit Card

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ICICI Bank

ICICI Bank Expressions Credit Card

3.8Best for bill payments

Lounge access

How this card earns

Reward rates by category, with caps and an estimated yearly value.

Spend category	Reward rate	Monthly cap	Est. value/yr
Utilities & bills 1 ICICI Reward Point per ₹100 on utilities/insurance; point value ≈ ₹0.25	0.25%	—	₹300
Insurance 1 Reward Point per ₹100	0.25%	—	₹300
All other spends	0.75%	—	₹900

Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.

Joining fee₹499

Annual fee₹499

Annual fee waiverAnnual fee waived on spends of ₹1,50,000 or more in the previous year

Foreign currency markup3.5%

Finance charge (p.a.)45%

Fuel surcharge waiver1%

Airport lounge access — 1/quarter domestic (1 domestic airport lounge visit per quarter on spends of ₹75,000+ in the calendar quarter)
Personalised card design (add your own photo)
3 ICICI Reward Points per ₹100 on retail spends (≈0.75% value-back)
1 Reward Point per ₹100 on utilities and insurance
25% off (up to ₹100) on BookMyShow/INOX movie tickets, twice a month (₹25,000 quarterly spend gate)
1% fuel surcharge waiver at HPCL pumps (₹400–₹4,000)