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ICICI Bank Business Advantage Blue
The entry point into ICICI's business card lineup — low fees but tiered cashback that only steps up to 1% once monthly spend crosses ₹75,000 (0.5% between ₹25,000-₹75,000), and lounge access also needs a spend threshold. It's a reasonable low-commitment starter card for small businesses, but heavier spenders will outgrow its earning structure quickly.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to business owners managing company spend with a credit score of roughly 700+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter (min ₹35,000 quarterly spend), primary cardholder only
Benefits by category
- ✈️ Travel
2 complimentary domestic lounge visits per quarter (min. ₹35,000 spend in previous quarter)
- 🛡️ Insurance
₹75 lakh personal air accident cover
- ⛽ Fuel
1% fuel surcharge waiver at HPCL pumps, capped ₹500/month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹5,00,000
- Rewards redemption fee: Free for redemption as statement credit or ICICI's own reward catalogue vouchers; ₹99 + GST per redemption request for select third-party gift/merchandise catalogue items
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- 2 complimentary domestic lounge visits per quarter (min. ₹35,000 spend in previous quarter)
- ₹75 lakh personal air accident cover
- 1% fuel surcharge waiver at HPCL pumps, capped ₹500/month
- 24/7 i-Assist concierge service
Pros
- + Low joining/annual fee, easy to waive on ₹5L/year turnover
- + Lounge access plus 24/7 i-Assist concierge, unusual for a budget business card
- + ₹75 lakh personal air accident cover, generous for the fee tier
- + Fuel surcharge waiver at HPCL pumps
Cons
- − Top 1% cashback tier needs ₹75,000+ in monthly spend
- − Lounge access gated behind a ₹35,000 quarterly spend threshold
- − Base cashback rate of just 0.5% for spend below the top tier
Best for