Expressions Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Cons
Lower earning rate compared to cards offering higher cashback or category-specific rewards.
Limited value compared to premium cards with exclusive benefits.
Only one free visit per quarter, which might not be sufficient for frequent travelers.
No rewards earned on fuel, utilities, and insurance spends.
Custom and personalized credit cards can be designed according to customers' preferences and choices.
Reward benefit: 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%.
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
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.
Zero Liability Protection: Cardholders are not liable for fraudulent transactions after reporting the loss.
The card also provides savings on fuel.
Rewards & Benifits
Welcome Benefits
None
Rewards System
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%.
International Forex Markup
Up to: 3.5%
Welcome Benefits and Reward System
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.
Benefits
3 PAYBACK points per Rs. 100 spent on retail shopping (except fuel).
1 PAYBACK point per Rs. 100 spent on utilities and insurance.
1 complimentary domestic airport lounge access per quarter.
Movie ticket discounts.
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
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Custom and personalized credit cards can be designed according to customers' preferences and choices.
Reward benefit: 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%.
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
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.
Zero Liability Protection: Cardholders are not liable for fraudulent transactions after reporting the loss.
The card also provides savings on fuel.
Lower earning rate compared to cards offering higher cashback or category-specific rewards.
Limited value compared to premium cards with exclusive benefits.
Only one free visit per quarter, which might not be sufficient for frequent travelers.
No rewards earned on fuel, utilities, and insurance spends.
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.
Expressions Credit Card
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
Product Review
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.
Late payment fee: Up to ₹2,000.
Cash advance fee: 2.5% of the amount withdrawn, minimum ₹100.
Foreign currency transaction fee: 3.5% on the transaction amount.
Fuel Surcharge
1% on fuel transactions of up to Rs. 4,000.
Billing Cycle
30 Days