ICICI Bank Gold Business Credit Card

A genuinely fee-free business card for life with a modest, travel-leaning point rate - a fine no-cost starter for small businesses, but there's no lounge access or premium perk to speak of.

Rates and fees last verified 15 July 2026.

Annual fee

₹0

Joining fee

₹0

Reward type

points

Base reward rate

0.5%

Card network

Visa

Card tier

Entry

Benefits by category

✈️ Travel
1% reward rate
🏨 Hotel
Points redeemable for flights, hotels, electronics, and lifestyle products
🛡️ Insurance
Up to ₹10 lakh personal accidental death 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: ₹25,000
Employment: self-employed
Age: 21–60

Benefits

1% fuel surcharge waiver at HPCL pumps, capped ₹500/month
Up to ₹10 lakh personal accidental death cover
Points redeemable for flights, hotels, electronics, and lifestyle products

Pros

+ Zero joining and annual fee for life
+ Simple expense-tracking self-care/admin portal
+ ₹10 lakh accidental death cover

Cons

− Low base reward rate
− No lounge access or premium perks

Apply on ICICI Bank's site