ICICI Bank Expressions Credit Card

Joining Fee: Rs. 500 (plus applicable taxes)
Renewal Fee: Rs. 500 (plus applicable taxes)
Best Suited For: Shopping
Reward Type: Reward Points
Welcome Benefites: N/A

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ICICI Bank Expressions Credit Card is an entry-level credit card by the ICICI Bank. The unique feature of this card is that you can customize its design and appearance to your liking. You can either choose one of the designs given on the ICICI bank’s website or have your own picture on the card. The card’s target customer base primarily includes students and young professionals who believe in expressing themselves through the things they own (that’s why the name “Expressions“). Expressions Credit Card comes with a nominal annual membership fee of just Rs. 500, which can be waived off on spending a minimum of Rs. 1.5 lakh in an anniversary year. Read on to learn more about this entry-level offering by ICICI.

New Features

Spend Based Waiver

The renewal fee is waived off on expenditure of Rs. 1.5 lakh in the previous year.

Interest Rates

3.40% p.m. (or 40.8% annually)

Add-on Card Fee

Rs. 199 (plus applicable taxes)

Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request

Fuel Surcharge

1% fuel surcharge waived off at HPCL filling station across India on transactions of not more than Rs. 4,000

Foreign Currency Markup

3.50% of the conversion amount

Cash Advance Charges

2.50% of the withdrawn amount, subject to a minimum charge of Rs. 300

Movie & Dining

25% discount (up to Rs. 100) on movie ticket bookings on BookMyShow on booking a minimum of 2 tickets in a single transaction. Offer can be availed maximum twice in a month.

Travel

Complimentary domestic lounge access

International Lounge Access

N/A

Rewards Rate

3 Reward Points per Rs. 100 spent with the card (except fuel, utility and insurance spends), 2 Reward Points per Rs. 100 on utility payments

Golf

N/A

Insurance Benefits

N/A

Reward Redemption

The earned Reward Points can be redeemed against gifts or the card’s outstanding balance at a rate of 1 Reward Point = Rs. 0.25.

Domestic Lounge Access

1 complimentary access to domestic airport lounges per quarter.

Zero Liability Protection

Cardholders shall not be liable for any fraudulent transaction made with the card post reporting the loss of card to the bank

Pros

No data available

Cons

No data available

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