ICICI Bank Expressions Credit Card

visabasiccreditshoppingonline

Annual Fee

₹500

Base Reward

3% points

Foreign Markup

3.50% of the conversion amount

3.8/5

Product Highlights

Personalized card design
3 Reward Points per ₹100 spent
Exclusive dining offers under ICICI Bank Culinary Treats Program

Category Rewards

shopping

3 Reward Points per ₹100 spent

entertainment

25% discount on movie tickets

Fee Waiver

Waived on ₹1.5L annual spend

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.

Reward Points — Redemption Value

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

fuelutilitiesinsurance

Partner Merchants

BookMyShow

Fees & Charges

Annual Fee₹500

Joining Fee₹500 + GST

Fee WaiverWaived on ₹1.5L annual spend

Foreign Markup3.50% of the conversion amount

Interest Rate3.40% per month

Cash Advance2.50% of the withdrawn amount, subject to a minimum charge of ₹300

Redemption Fee₹99 (plus applicable taxes)

Eligibility

Networks

visa

Fee Waiver

Waived on ₹1.5L annual spend