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ICICI Bank
ICICI Bank Expressions Credit Card
- Joining fee incl. GST
- ₹589
- Renewal fee incl. GST
- ₹589
- Conditional welcome value
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income (salaried)
- —
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.
What still needs confirmation
- Reward ceilings, transaction rounding and detailed annual qualifying-spend exclusions remain unverified; point values are comparison assumptions.
| Spend category | Reward rate | Reward limit |
|---|---|---|
Utilities & bills 1 ICICI Reward Point per ₹100 on utilities/insurance; point value ≈ ₹0.25 | 0.25% | Unverified |
Insurance 1 Reward Point per ₹100 | 0.25% | Unverified |
| Other eligible purchases | 0.75% | — |
Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.
Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
Key benefits
- Airport lounge access — 1/quarter domestic (1 domestic airport lounge visit per quarter, unlocked by ₹75,000 of spend in the preceding calendar quarter; primary cardholder only)
- 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 - from 01 April 2026 this requires ₹25,000 of spend in the preceding spends quarter; dual-network holders get one offer per month per variant
- 1% fuel surcharge waiver at HPCL pumps (₹400–₹4,000)
What we like
- +Personalised photo card design
- +Slightly higher base reward rate (~0.75%) than entry-level cards
- +Quarterly lounge access (spend-gated)
What to watch
- −Lounge access requires ₹75,000 quarterly spend
- −Reward value-back still modest at ~0.75%
- −No welcome bonus or milestone benefits
Compare with similar cards
- Top reward
- 5%
- Annual fee
- ₹500
- Welcome bonus
- ₹500 value
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Manchester United ICICI Bank Platinum Credit Card
ICICI Bank
Best for bill payments
- Top reward
- 0.5%
- Annual fee
- ₹499
- Top reward
- 1.25%
- Annual fee
- Lifetime free
Partner link — we may earn a commission. Disclosure