HomeCredit CardsICICI Bank British Airways Classic Credit Card
ICICI Bank British Airways Classic Credit Card

ICICI Bank

ICICI Bank British Airways Classic Credit Card

mastercardamexclassiccredittravel

Annual Fee

₹4,130₹3,500 + GST

Base Reward

0.5% rewards

Foreign Markup

3.5%

Apply Now
4.5/5
VerifiedLast updated 26 May 2026

Welcome Benefits

Welcome bonus of 3,500 Avios.

Product Highlights

  • Enjoy the benefits of two cards with a single account.
  • Earn up to 5 Avios on every ₹100 spent on British Airways tickets.

Category Rewards

travel

2.5 Avios per ₹100 on British Airways flight bookings

2.5X

Specialty

0.5 Avios per ₹100 on all other spends

0.5X

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
british_airways

british_airways

2.5 Avios per ₹100 on British Airways flight bookings (Amex variant)

0.75X

Reward Calculator

Costs you ₹2,708/year

Break-even needs ~₹46,470/month at your reward mix.

Monthly spend

₹16K

across all your buckets

Points / yr

4.7K

Avios

Best worth

₹1.4K

via standard · ₹0.3/pt

Effective rate

0.74%

Annual fee

₹4,130

Year 1 net

₹-2,708

Year 2+ net

₹-2,708

ongoing

Adjust your spend by reward bucket

3 buckets
0.75%2.5 Avios per ₹100 on British Airways flight bookings (Amex variant)
₹3,000/mo
Earns 75 avios / mo≈ ₹23 worth/mo
1.20%Tier boost: up to 4 Avios / 5 Avios on BA flights
₹3,000/mo
Earns 120 avios / mo≈ ₹36 worth/mo
0.60%All other spends
₹10,000/mo
Earns 200 avios / mo≈ ₹60 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Rent payment surcharge

1%

Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.

Wallet load surcharge

1%from Jan 2026

Kicks in after ₹5,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)

Utility payment surcharge

1%

Kicks in after ₹50,000 cumulative utility spends/cycle

Foreign exchange markup

3.5%

Charged on every international (non-INR) transaction

Excluded from rewards

fuel, rent, wallet, emi, cash advance, utility

Fuel surcharge waiver (good news)

1%

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

Earn up to 2 Avios on every regular spend of ₹100, 2.5 Avios on British Airways flight bookings, and 5 Avios on every ₹100 spent on British Airways tickets and in-flight shopping with the Amex variant.

Reward Points — Redemption Value
  • The Avios you earn can be redeemed against hotel/flight bookings, car rentals, etc, on the official website of British Airways.

Benefits & Features

1% fuel surcharge waiver at all HPCL fuel stations.

Pros & Cons

Pros

  • Welcome bonus of 3,500 Avios.
  • 1% fuel surcharge waiver at HPCL fuel stations.

Cons

  • Annual fee of ₹3,500.
  • No accelerated Avios on British Airways flight bookings with Mastercard variant.

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹3,500
Joining FeeNIL
Foreign Markup3.5%
Interest Rate3.40% per month
Cash Advance2.5% of the amount withdrawn or a minimum of ₹300
Redemption Fee₹99 per redemption request.

Eligibility

Networks

mastercardamex
ICICI Bank British Airways Classic Credit Card — Benefits, Rewards & Fees | Ri8Lane