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Credit Cards · India

ICICI Bank Expressions Credit Card

Updated 3 Jul 2026Source-linked

The ICICI Bank Expressions Credit Card is a entry credit card from ICICI Bank, with a joining fee of ₹499 + GST.

It earns up to 1 pts per ₹100 (≈0.2% value) on utility insurance spends in the form of icici bank reward points (points).

Cardholders get 1 quarterly domestic airport lounge access.

ICICI Bank logo
ICICI Bank Expressions Credit Card
Visa logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForEveryday spends
  • Reward TypeICICI Bank Reward Points (points)
Rewards Rate
  • 1 pts per ₹100 on utility insurance
  • Base 0.60% on other spends
Welcome Benefits
  • Not applicable
Data verified 3 Jul 2026 — see our methodology
ICICI Bank logoICICIVisa logoentry
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Rewards and Benefits

Rewards Rate
1 pts per ₹100 on utility insurance
Base 0.60% on other spends.
Reward Redemption
ICICI Bank Rewards: Redeemable for health & beauty, travel & luggage, shopping vouchers, home appliances, electronics, fashion & lifestyle.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
1 visit each quarterly on making spends of ₹75,000 in the previous quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
DISCOUNT on BookMyShow
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Custom card design — Personalise the card face with 175+ pre-installed templates (Zodiac, Sports, Travel, etc.) or a custom image.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Utilities & bills₹10/mo

    You spend ₹5,000 · earns 0.2% = ₹10 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.6% = ₹90/mo
  • Groceries₹8,000 · 0.6% = ₹48/mo
  • Dining & food delivery₹8,000 · 0.6% = ₹48/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.6% = ₹60/mo
Est.net rewards for this spend, realistic
₹3,072/yr

₹3,072 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
N/A

Product Details

  • entry card issued by ICICI Bank.
  • Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,50,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (1/quarterly).

Pros & Cons

Pros
  • Annual fee waivable on ₹1,50,000 spend.
  • Complimentary domestic airport lounge access (1/quarterly).
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 1 pts per ₹100 on utility insurance
    1 Reward Point per ₹100 on utility and insurance spends.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel

Airport lounge access

Domestic
1 visit(s) / quarterly. Via issuer-direct.
Unlocks after ₹75,000 / quarterly spend.
Complimentary domestic lounge access requires ₹75,000 spend in the preceding calendar quarter (MITC, w.e.f. Jan 1, 2025).

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000.

Other benefits

  • Custom card design. Personalise the card face with 175+ pre-installed templates (Zodiac, Sports, Travel, etc.) or a custom image.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
—
Credit score
—
Income (salaried)
—
Income (self-employed)
—

Indian citizen over 21 years of age. Income criteria not stated on the page.

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