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ICICI Bank
ICICI Bank Unifare Delhi Metro Card
RuPay
ICICI Bank Unifare Delhi Metro Card
A niche but genuinely useful card for Delhi Metro commuters - a built-in NCMC transit chip with auto-recharge and a fare discount, but the card's rewards outside metro travel are thin.
Rates and fees last verified 15 July 2026.
Annual fee
₹299
Joining fee
₹299
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🍽️ Dining & food delivery
At least 15% off dining bills at partner restaurants
- ✈️ Travel
1% reward rate
- ⛽ Fuel
2.5% fuel surcharge waiver at HPCL pumps on transactions below ₹4,000
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 10% discount on Delhi Metro travel fare + a preloaded ₹100 NCMC transit chip
- Auto Top-Up for the Delhi Metro transit chip, with bonus PAYBACK points on every recharge
- 2.5% fuel surcharge waiver at HPCL pumps on transactions below ₹4,000
- At least 15% off dining bills at partner restaurants
Pros
- + Low fee, easy to waive
- + NCMC transit chip built into the card with a fare discount
- + Auto top-up removes the need to separately recharge the metro balance
Cons
- − Only useful if you actually ride the Delhi Metro
- − Reward rate on general spend is weak