ICICI Bank Expressions Credit Card
A points card with a card image you choose (₹499 to join and each year, waived above ₹1.5 lakh of spend): 3 ICICI Bank Reward Points per ₹100 on retail spends and 1 on utilities and insurance, with one domestic lounge visit a quarter after ₹75,000 of spend. Every figure below is copied from ICICI Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: foreign-currency markup; rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹499 plus GST Product page |
|---|---|
| Annual fee | ₹499 plus GST Product page |
| Annual fee waiver | On ₹1,50,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
| The foreign-currency markup is given only in ICICI Bank's MITC PDF, whose text layer cannot be extracted for quoting, so it is left out. | |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Utilities and insurance (government payments count as utilities) | 1 point per ₹100 Product page | no cap on record |
| Other retail spends | 3 points per ₹100 Product page | no cap on record |
ICICI Bank publishes no rupee value for its Reward Points (its rewards terms say they have no cash or monetary value); they are redeemed for catalogue products and vouchers with a ₹99 + GST handling fee per request, so CardWise does not price them. The card description mentions milestone rewards, but no milestone is published.
No rewards on
Benefits
- Lounges: 1 domestic airport lounge visit a quarter after ₹75,000 of spend in the previous quarter (primary cardholder) — ₹75,000 of spend in the preceding quarter Product page
- Fuel: 1% fuel surcharge waived at HPCL pumps on fills of ₹400 to ₹4,000 (no cap stated) Product page
Also on this card
Quoted from ICICI Bank; not counted in the net value.
- Choose your card image, or one of 175+ templates Product page
- 25% off up to ₹100 on BookMyShow movie tickets twice a month after ₹25,000 of spend in the previous quarter Product page
- 25% off up to ₹100 on INOX movie tickets twice a month Product page
- 1 domestic airport lounge visit a quarter after ₹75,000 of spend Product page
Eligibility
- Age 21 or above Product page
- Age 65 or below Product page
- Indian citizen Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by ICICI Bank in the documents read
- the rupee value of a reward point (ICICI Bank says points have no cash or monetary value)
- the card network
- a RuPay variant for UPI
- an income requirement
- a cap on the fuel surcharge waiver
Where ICICI Bank’s documents differ, and what is used
- Fuel: the product page does not say whether fuel earns points; ICICI Bank's general FAQ says fuel 'may not' earn points as per the card's terms, and the MITC (unquotable) excludes fuel. Fuel is treated as earning nothing.
The quotes behind the figures
20 figures, each copied from an official ICICI Bank document.
Show every quote and source
“Joining Fee ₹499 + GST”
“Annual Fee ₹499 + GST (Spend over ₹1.5 lakh and get your annual fee waived off for the next year)”
“Earn Points on every ₹100 spend 3 On Retail Spend 1 On Utility and Insurance Spend”
“Starting 05 February 2024, the government transactions will be included under utility payment transactions.”
“From 05 February 2024, rent pay and e-wallet loading transactions will not accrue any reward points.”
“Certain spends such as fuel, cash withdrawals, EMI conversions, fee payments or wallet loads may not earn reward points as per the card’s terms and conditions.”
“No, the card has a joining fee of ₹499 and an annual fee of ₹499.”
“No. Reward points are not earned on EMI transactions or on purchases that have been converted into EMI.”
“No. Reward points are not equivalent to currency and have a redemption value determined by the Bank. The value may vary across products, services or catalogue categories.”
“The Reward Points earned by the Card Member have no cash or monetary value and cannot be exchanged for cash.”
“If only minimum payment is made Pay 3.75% interest per month”
“Yes. A Redemption Handling Fee of ₹99 plus applicable GST is charged for every redemption request.”
“Get 1 Domestic Airport Lounge access for primary cardholders on eligible spends of ₹75,000 or more in the preceding spends quarter.”
“Get 1% waiver on fuel transactions worth ₹400 - ₹4,000 at HPCL pumps”
“175+ pre-installed templates Choose a card image from themes like Zodiac, Sports, Travel and more.”
“Get 25% off up to ₹100 on movie tickets on BookMyShow twice a month, on eligible spends of ₹25,000 or more in the preceding spends quarter”
“Get 25% off up to ₹100 on movie tickets at INOX, twice a month”
“An Indian citizen over 21 years of age”
“You must be in the age group of 21 – 65 years to be eligible for an ICICI Bank Expressions Credit Card”
“Reward Points Know more APPLY SAVE”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with ICICI Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is ICICI Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology