Expressions Credit Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
Expressions Credit Card
Bank Name :
ICICI Bank
प्रकार
Lifestyle Credit Card
ब्याज दर
3.40% per month or 40.80% per annum.
पात्रता
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.
पेशेवरों
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.
दोष
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.
पक्ष विपक्ष
Welcome Benefits
None
पुरस्कार प्रणाली
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%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
Up to: 3.5%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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.
फ़ायदे
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.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
1800 1080
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
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
उत्पाद समीक्षा
फीस एवं प्रभार
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.
ईंधन अधिशुक्ल
1% on fuel transactions of up to Rs. 4,000.
Billing Cycle
30 Days