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 Expressions Credit Card
- 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
ICICIentryRewards 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.
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.
Accelerated rewards
- 1 pts per ₹100 on utility insurance1 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
- : www.icici.bank.in · retrieved 3 Jul 2026
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.