ICICI Bank
ICICI Bank Expressions Credit Card
3.8 / 5visa · mastercard · amex
- Joining fee
- ₹499
- Annual fee
- ₹499
- Base reward
- 0.75%
- Min income
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Utilities & bills | 0.25% | Uncapped |
| Insurance | 0.25% | Uncapped |
Benefits
- ▸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)
The good
- + Personalised photo card design
- + Slightly higher base reward rate (~0.75%) than entry-level cards
- + Quarterly lounge access (spend-gated)
The catch
- − Lounge access requires ₹75,000 quarterly spend
- − Reward value-back still modest at ~0.75%
- − No welcome bonus or milestone benefits