ICICI Bank
ICICI Bank VISA Signature Credit Card
Annual Fee
₹2,360₹2,000 + GSTBase Reward
5% points
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
30,000 hand-picked rewards
Product Highlights
- Up to 10 hand-picked rewards on every spend of ₹100.
- Welcome benefit of 30,000 hand-picked rewards.
- Get a complimentary Priority Pass Membership.
- 1 complimentary golf round every month.
- 24*7 personal concierge service.
Category Rewards
Specialty
5x on International — tier 1 (spend ≤₹5L)
5X
travel
4x on travel — tier 1
4X
travel
2x on hotels/restaurants — tier 1
2X
dining
2x on hotels/restaurants — tier 1
2X
Specialty
10x on International — tier 2 (spend >₹5L)
10X
travel
8x on travel — tier 2
8X
travel
4x on hotels/restaurants — tier 2
4X
dining
4x on hotels/restaurants — tier 2
4X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Amazon
5 Hand-picked Rewards
Flipkart
5 Hand-picked Rewards
Croma
5 Hand-picked Rewards
Nike
5 Hand-picked Rewards
Big Bazaar
5 Hand-picked Rewards
Pizza Hut
5 Hand-picked Rewards
Reward Calculator
Earns ₹8,104/year (net)
Modest gain. Solid hold if you like the perks.
₹28K
across all your buckets
13.1K
Hand-picked Rewards
₹10.5K
via standard · ₹0.8/pt
Effective rate
3.11%
Annual fee
₹2,360
Year 1 net
+₹8,104
Year 2+ net
+₹8,104
ongoing
Adjust your spend by reward bucket
7 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
On every spend of ₹100, you get 5 hand-picked rewards on international purchases, 4 hand-picked rewards on travel bookings, 2 hand-picked rewards on hotels & restaurants, and 1 hand-picked reward on other spends.
- The Hand-picked Rewards you earn can be redeemed against various options like travel, fashion, dining, gadgets, shopping, InterMiles, etc.
Benefits & Features
Domestic: Complimentary access to over 600 domestic/international airport lounges worldwide. International: Complimentary Priority Pass Membership. (Lounge usage fee of US $27 + GST per person.) Access to lounges worldwide with Priority Pass Membership.
Pros & Cons
Pros
- High reward rate on international spends.
- Complimentary Priority Pass Membership.
- Shopping vouchers for redeeming rewards.
Cons
- High joining fee of ₹25,000 + GST.
- Reward redemption fee of ₹99.
Additional Info
Excluded Categories
Partner Merchants
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