ICICI Bank
ICICI Bank Diamant Credit Card
Annual Fee
₹11,800₹10,000 + GSTBase Reward
6% points
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
Apple MacBook Air MMGG2HN/A worth ₹75,000 on realization of the joining fee
Product Highlights
- Apple MacBook Air MMGG2HN/A as a welcome gift
- Unlimited complimentary domestic & international lounge access
- Unlimited complimentary golf rounds at premium golf courses
Category Rewards
Specialty
6 RP per ₹100 on international spend
1.5X
Fee Waiver
Waived on ₹25L annual spend
Reward Calculator
Costs you ₹10,360/year
Break-even needs ~₹1,06,528/month at your reward mix.
₹13K
across all your buckets
5.8K
ICICI Reward Points
₹1.4K
via standard · ₹0.25/pt
Effective rate
0.92%
Annual fee
₹11,800
Year 1 net
₹-10,360
Year 2+ net
₹-10,360
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & 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 2026Kicks 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 6 Reward Points on every ₹100 spent on international transactions and 3 Reward Points on every ₹100 spent on domestic purchases. Up to 4 complimentary movie tickets each month on BookMyShow.
- 1 Reward Point = ₹0.25 against cashback or gifts
Benefits & Features
Domestic: Unlimited complimentary domestic airport lounge access International: Unlimited complimentary international airport lounge access Unlimited complimentary lounge access for both primary and guest cardholder(s).
Pros & Cons
Pros
- 6 Reward Points on international spends
- Unlimited complimentary movie tickets on BookMyShow
- Unlimited lounge access
Cons
- High joining fee of ₹1,25,000
- Older model of MacBook Air as welcome gift
Additional Info
High joining fee
Older model of MacBook Air as welcome gift
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Networks
Fee Waiver
Waived on ₹25L annual spend