All cards / ICICI Bank
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 and sole proprietors that want a card for expense tracking without committing to an annual fee, though there's no lounge access or premium perk to justify upgrading spend to it over cash.
Annual fee
₹0
Joining fee
₹0
Reward type
points
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+. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Movie & dining: Up to 15% off dining bills plus free movie ticket offers
- Rewards rate: 0.5% base rate
- Domestic lounge access: 4 complimentary domestic lounge visits per year
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
Fees & charges
- 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.
- Fuel surcharge waiver: 1% fuel surcharge waiver
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
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
- + Points redeemable across flights, hotels, electronics, and lifestyle products
- + ₹10 lakh accidental death cover included at no cost
- + Fuel surcharge waiver at HPCL pumps
Cons
- − Low 0.5% base reward rate outside the travel category
- − No lounge access or premium travel perks
- − Travel bonus category earns only 1%, modest for a co-brand-style rate