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ICICI Bank

Manchester United ICICI Bank 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	0.5%	—	₹600

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 ₹1,25,000 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)
2 ICICI Reward Points per ₹100 on regular and international spends (≈0.5% value-back)
3 Reward Points per ₹100 on Manchester United match days (≈0.75%)
Welcome gift: signed Manchester United football
25% off (up to ₹100) on BookMyShow/INOX movie tickets, twice a month
1% fuel surcharge waiver at HPCL pumps (₹400–₹4,000)
Exclusive Manchester United fan experiences

Lifetime free

ICICI Bank

4.6

Best for online shopping

Premium

ICICI Bank

4.6

Best for bill payments

Lounge access

ICICI Bank

4.3

Best for fuel spends