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Expressions Credit Card

Product Details
Credit Card Name : 

Expressions Credit Card

Bank Name :

ICICI Bank

Type :

Lifestyle Credit Card

Interest Rate : 

3.40% per month or 40.80% per annum.

Eligibility :

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.

Expressions Credit Card
Pros
  • Custom and personalized credit cards can be designed according to customers' preferences and choices. 

  • Customers can earn 3 ICICI Bank Reward Points per ₹ 100 spent for all retail purchases except fuel. Customers also earn one ICICI Rewards Points on every Rs. 100 spent on utilities and insurance categories.

  • 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. 

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.

Pros & Cons
Welcome Benefits

None 

Rewards System
  • Earning points: 3 ICICI Rewards points per Rs. 100 spent on your card (except fuel).

  • Points on utilities & insurance: 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?
  1. 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.

  2. Apply Now: Once you've chosen your design, click on "Apply Now."

  3. Fill in the application form: Enter your personal details, income information, and employment details.

  4. Document upload: Submit scanned copies of required documents like PAN card, address proof, income proof, etc.

  5. Authentication: Verify your details by entering your ICICI Bank debit card number and ATM PIN (if applicable).

  6. Submit application: Review your application and submit it electronically.

Contact Details

1800 1080

Account Opening and Procedure
Expressions Credit Card

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

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

Fees & Charges
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