ICICI Bank
ICICI Bank Expressions Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
3% points
Foreign Markup
3.50% of the conversion amount
Product Highlights
- Personalized card design
- 3 Reward Points per ₹100 spent
- Exclusive dining offers under ICICI Bank Culinary Treats Program
Category Rewards
utilities
1 RP per ₹100 on utilities/insurance
0.25X
Specialty
1 RP per ₹100 on utilities/insurance
0.25X
Fee Waiver
Waived on ₹1.5L annual spend
Reward Calculator
Earns ₹401/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
4.0K
ICICI Reward Points
₹990
via standard · ₹0.25/pt
Effective rate
0.63%
Annual fee
₹589
Year 1 net
+₹401
Year 2+ net
+₹401
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
3 Reward Points per ₹100 spent with the card (except fuel, utility and insurance spends), 2 Reward Points per ₹100 on utility payments. 25% discount (up to ₹100) on movie ticket bookings on BookMyShow on booking a minimum of 2 tickets in a single transaction.
- 1 Reward Point = ₹0.25 against statement
Benefits & Features
Domestic: 1 complimentary access to domestic airport lounges per quarter (Minimum expenditure of ₹75,000 with the card in the previous quarter) 1 complimentary domestic airport lounge access per quarter under the Visa domestic lounge program.
Pros & Cons
Pros
- Customizable card design
- Good reward rate for shopping
- Complimentary lounge access
Cons
- No welcome benefits
- Limited international lounge access
- High foreign currency markup
Additional Info
Excluded Categories
Partner Merchants
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Fees & Charges
Eligibility
Networks
Fee Waiver
Waived on ₹1.5L annual spend