ICICI Bank Expressions Credit Card
ICICI Bank
Annual Fee
₹500
Joining Fee
₹500 + GST
Base Reward
3% points
Foreign Markup
3.50% of the conversion amount
Fee Waiver
Waived on ₹1.5L annual spend
Interest Rate
3.40% per month
Product Highlights
- Personalized card design
- 3 Reward Points per ₹100 spent
- Exclusive dining offers under ICICI Bank Culinary Treats Program
Rewards
3 Reward Points per ₹100 spent with the card (except fuel, utility and insurance spends), 2 Reward Points per ₹100 on utility payments. 25% discount (up to ₹100) on movie ticket bookings on BookMyShow on booking a minimum of 2 tickets in a single transaction.
Redemption
1 Reward Point = ₹0.25 against statement
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 3%(3 Reward Points per ₹100 spent) | No cap |
entertainment | 25%(25% discount on movie tickets) | No cap |
Benefits & Features
Domestic: 1 complimentary access to domestic airport lounges per quarter (Minimum expenditure of ₹75,000 with the card in the previous quarter) 1 complimentary domestic airport lounge access per quarter under the Visa domestic lounge program.
Fees & Charges
Eligibility
Available Networks
Pros & Cons
Pros
- Customizable card design
- Good reward rate for shopping
- Complimentary lounge access
Cons
- No welcome benefits
- Limited international lounge access
- High foreign currency markup
Additional Info
Excluded Categories