ICICI Bank Expressions Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
Users will earn 3 ICICI reward points per Rs. 100 spent on your card (except fuel).
1 ICICI rewards point per Rs. 100 spent. Generally, 1 point is worth Rs. 0.25 to Rs. 0.40 for vouchers, merchandise, or gift cards. Effective cashback rate: 0.75% to 1.2%.
3 PAYBACK points per Rs. 100 spent on retail shopping (except fuel). 1 PAYBACK point per Rs. 100 spent on utilities and insurance.
Movie Benefits
Customers can avail of a 25% discount of up to INR 100 on the purchase of a minimum of two tickets up to two times a month through www.bookmyshow.com
Dining Benefits
None.
Other Benefits
Custom and personalized credit cards can be designed according to customers' preferences and choices.
Zero Liability Protection: Cardholders are not liable for fraudulent transactions after reporting the loss.
Lounge Access
Customers can also avail of one complimentary domestic airport lounge access per quarter, by spending a minimum of Rs 5,000 or above in a calendar quarter on their card to avail of this facility in the next calendar quarter.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
Users will earn 3 ICICI reward points per Rs. 100 spent on your card (except fuel).
1 ICICI rewards point per Rs. 100 spent. Generally, 1 point is worth Rs. 0.25 to Rs. 0.40 for vouchers, merchandise, or gift cards. Effective cashback rate: 0.75% to 1.2%.
3 PAYBACK points per Rs. 100 spent on retail shopping (except fuel). 1 PAYBACK point per Rs. 100 spent on utilities and insurance.
Movie Benefits
Customers can avail of a 25% discount of up to INR 100 on the purchase of a minimum of two tickets up to two times a month through www.bookmyshow.com
Dining Benefits
None.
Other Benefits
Custom and personalized credit cards can be designed according to customers' preferences and choices.
Zero Liability Protection: Cardholders are not liable for fraudulent transactions after reporting the loss.
Lounge Access
Customers can also avail of one complimentary domestic airport lounge access per quarter, by spending a minimum of Rs 5,000 or above in a calendar quarter on their card to avail of this facility in the next calendar quarter.
Fees & Charges
Joining Fee
499 + GST initially.
Annual Fee
₹499 + GST in the second year onwards; Waived off if you spend more than ₹1,50,000 in the previous year.
Cash Advance Fee
Cash advance fee: 2.5% of the amount withdrawn, minimum ₹100.
Interest rate
3.40% per month or 40.80% per annum.
Late Payment Fee
Late payment fee: Up to ₹2,000.
Foreign Currency Transactions Fee
Foreign currency transaction fee: 3.5% on the transaction amount.
Other Fees
Fees & Charges
Joining Fee
499 + GST initially.
Annual Fee
₹499 + GST in the second year onwards; Waived off if you spend more than ₹1,50,000 in the previous year.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.40% per month or 40.80% per annum.
Late Payment Fee
Late payment fee: Up to ₹2,000.
Foreign Currency Transactions Fee
Foreign currency transaction fee: 3.5% on the transaction amount.
Other Fees
Special Features
The card can be customized according to your preferences and choices.
Eligibility Criteria
You should be between 21 to 60 years of age.
You should have a regular source of monthly income with an annual salary of Rs. 2.5 lakh.
You should be a resident of India or NRI.
You should be a salaried or self-employed individual.
You should have no existing debt.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Choose your design: Visit the ICICI Bank Expressions Credit Card website or app and browse through their extensive gallery of over 150+ designs. Alternatively, upload your own picture to personalize your card.
Apply Now: Once you've chosen your design, click on "Apply Now."
Fill in the application form: Enter your personal details, income information, and employment details.
Document upload: Submit scanned copies of required documents like PAN card, address proof, income proof, etc.
Authentication: Verify your details by entering your ICICI Bank debit card number and ATM PIN (if applicable).
Submit application: Review your application and submit it electronically.
Contact Details
1800 1080
Account Opening and Procedure
The ICICI Bank Expressions Credit Card can be a good option for moderate spenders who enjoy shopping, travel, and dining out. However, the annual fee and fuel surcharge might not be appealing to everyone. Consider your spending habits and compare with other cards before making a decision.
The ICICI Bank Expressions Credit Card can be a good option for moderate spenders who enjoy shopping, travel, and dining out. However, the annual fee and fuel surcharge might not be appealing to everyone. Consider your spending habits and compare with other cards before making a decision.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai