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ICICI Bank Expressions Credit Card
An entry-level, highly personalizable ICICI card — 175+ card-face designs across sports, travel, music, and food themes — paired with a genuinely competitive 3 points per ₹100 base retail reward rate for its price point. It's aimed at younger, new-to-credit customers who want an expressive first card without giving up basic travel and fuel perks.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.75%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.75% base rate
- Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter (min ₹75,000 quarterly spend), primary cardholder only
- International lounge access: 2 complimentary international lounge visits a year
- Golf: 1 complimentary golf round a month on ₹50,000+ spend in the prior month
- Insurance benefits: ₹2 lakh personal accident cover and ₹20 lakh air accident cover
Benefits by category
- ✈️ Travel
1 complimentary domestic airport lounge visit per quarter (min ₹75,000 quarterly spend)
- 🧾 Utilities
0.25% reward rate
- ⛽ Fuel
1% fuel surcharge waiver at HPCL pumps on ₹400-₹4,000 transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- 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
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel purchases at all outlets
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- BookMyShow voucher worth ₹500 on card registration
- 175+ personalizable card-face designs across sports, travel, music, food and more
- 1 complimentary domestic airport lounge visit per quarter (min ₹75,000 quarterly spend)
- 1% fuel surcharge waiver at HPCL pumps on ₹400-₹4,000 transactions
Pros
- + 175+ customizable card-face designs, unusual for an entry-level card
- + 3 points per ₹100 base retail reward rate, above most entry cards in this fee bracket
- + Low joining/annual fee with an easily reached ₹1.5L waiver threshold
- + Quarterly domestic lounge access plus fuel surcharge waiver
- + ₹500 BookMyShow welcome voucher on registration
Cons
- − Lounge access is gated behind a ₹75,000 quarterly spend threshold
- − Reward points have modest redemption value (~₹0.25/point)
- − Basic travel and lifestyle benefits compared to mid-tier cards
Best for
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