ICICI Bank
ICICI Bank Mine Credit Card
Annual Fee
Lifetime FreeBase Reward
1% cashback
Foreign Markup
3.5% on international transactions
Welcome Benefits
NA
Product Highlights
- Choose one out of the three plans as per your requirements.
- Save up to 5% on your spends.
- Exclusive offers on grocery, travel, food, fashion, and E-marketplace.
Category Rewards
dining
5% CashBack on partner brands
5%
shopping
5% CashBack on partner brands
5%
Fee Waiver
Spend-based waiver on monthly spending of ₹10,000 with the Pro Plan and ₹20,000 with the Premium Plan
Merchant-Specific Rewards
Hotel bookings
Hotel discount 7% (Pro / Premium)
Zomato
5% on partner brands (Pro 49 + Premium 149)
Swiggy
5% on partner brands (Pro 49 + Premium 149)
BookMyShow
5% on partner brands (Pro 49 + Premium 149)
Amazon_Prime
5% on partner brands (Pro 49 + Premium 149)
PVR
5% on partner brands (Pro 49 + Premium 149)
Inox
5% on partner brands (Pro 49 + Premium 149)
Ola
5% on partner brands (Pro 49 + Premium 149)
BigBasket
5% on partner brands (Pro 49 + Premium 149)
Grofers
5% on partner brands (Pro 49 + Premium 149)
Gaana
5% on partner brands (Pro 49 + Premium 149)
Flight bookings
Flight discount 4% (Pro / Premium)
Reward Calculator
Earns ₹6,960/year (net)
Modest gain. Solid hold if you like the perks.
₹19K
across all your buckets
₹7.0K
direct cashback
₹7.0K
via direct credit
Effective rate
3.05%
Annual fee
FREE
Year 1 net
+₹6,960
Year 2+ net
+₹6,960
ongoing
Adjust your spend by reward bucket
4 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
1% cashback on all retail spends and 5% cashback on exclusive partner brands like Big Basket, Inox, Ola, PVR, Swiggy, Zomato, BookMyShow, Goibibo, Myntra, Furlenco, Amazon, Gaana, and Amazon Prime.
Redemption
1 Mine cash is equivalent to ₹0.5 on redemption against the ICICI Bank Reward catalog and 1 Mine cash is equivalent to ₹1 on redemption against statement balance.
Benefits & Features
Domestic: 1 complimentary domestic airport lounge access and 1 railway lounge access per month with Premium Plan. (Available with Premium Plan.) Complimentary domestic airport and railway lounge access every month.
Pros & Cons
Pros
- 1% cashback on all retail spends.
- 5% cashback on exclusive partner brands.
- Complimentary domestic airport and railway lounge access.
Cons
- Cashback limits apply based on the plan.
- Monthly membership fees for Pro and Premium plans.
Additional Info
Minimum Mine Cash required for redemption against the statement balance is 1500 mine cash.
Cashback limit is capped at ₹100 per month for Starter, ₹200 for Pro, and ₹750 for Premium.
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
Spend-based waiver on monthly spending of ₹10,000 with the Pro Plan and ₹20,000 with the Premium Plan