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ICICI Bank
ICICI Bank Business Advantage Blue
Visa
ICICI Bank Business Advantage Blue
The entry point into ICICI's business card lineup - low fees but cashback only steps up to 1% once monthly spend crosses ₹75,000 (0.5% between ₹25,000-₹75,000), and lounge access needs a spend threshold too.
Rates and fees last verified 15 July 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
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
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
- + Lounge access + concierge for a budget business card
- + ₹75 lakh air accident cover
Cons
- − Top cashback tier needs ₹75,000+ monthly spend
- − Lounge access gated behind quarterly spend