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ICICI Bank
ICICI Bank Expressions Credit Card
Visa
ICICI Bank Expressions Credit Card
An entry-level, highly personalizable ICICI card offering a decent 3-points-per-₹100 base retail reward rate and modest lifestyle perks for new-to-credit customers.
Rates and fees last verified 14 September 2026.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
3%
Card network
Visa
Card tier
Entry
Reward rates by category
- Utilities1%
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
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 designs
- + 3 points per ₹100 on retail spend
- + Low joining/annual fee with an easily reached waiver threshold
Cons
- − Lounge access is gated behind a quarterly spend threshold
- − Reward points have modest redemption value (~₹0.25/point)
- − Basic travel and lifestyle benefits versus mid-tier cards
Applying takes you to ICICI Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.