ICICI Bank Mine Credit Card
ICICI Bank
Annual Fee
FREE
Joining Fee
Nil (Starter)
Base Reward
1% cashback
Foreign Markup
3.5% on international transactions
Fee Waiver
Spend-based waiver on monthly spending of ₹10,000 with the Pro Plan and ₹20,000 with the Premium Plan
Interest Rate
3.4% per month (40.80% per annum)
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.
Rewards
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.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
dining | 5%(5% CashBack on partner brands) | No cap |
shopping | 5%(5% CashBack on partner brands) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Big Basket | 5% CashBack | online |
| Inox | 5% CashBack | online |
| Ola | 5% CashBack | online |
| PVR | 5% CashBack | online |
| Swiggy | 5% CashBack | online |
| Zomato | 5% CashBack | online |
| BookMyShow | 5% CashBack | online |
| Goibibo | 5% CashBack | online |
| Myntra | 5% CashBack | online |
| Furlenco | 5% CashBack | online |
| Amazon | 5% CashBack | online |
| Gaana | 5% CashBack | online |
| Amazon Prime | 5% CashBack | online |
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.
Fees & Charges
Eligibility
Min Age
21 years
Available Networks
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.