ICICI Bank
ICICI Manchester United Signature Credit Card
Annual Fee
₹2,949₹2,499 + GSTBase Reward
3% points
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
Manchester United Branded Holdall and Football
Product Highlights
- Get Manchester United Branded holdall and football as a Welcome Gift.
- Up to 5 Reward Points on every ₹100 spent.
- 2 complimentary domestic lounges per calendar quarter.
- Top 18 spenders get exclusive access to the 'Manchester United Experience'.
- 25% discount up to ₹150 on movie tickets on BookMyShow & Inox.
- 1% Fuel Surcharge Waiver on all fuel transactions at HPCL fuel stations.
Category Rewards
Specialty
4 RP per ₹100 on international spend
1X
Fee Waiver
Spend-based waiver on annual fee if annual spend is more than ₹2,50,000
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
BookMyShow
25% discount(up to ₹150)
INOX
25% discount(up to ₹150)
Reward Calculator
Costs you ₹1,989/year
Break-even needs ~₹39,935/month at your reward mix.
₹13K
across all your buckets
3.8K
ICICI Reward Points
₹960
via standard · ₹0.25/pt
Effective rate
0.62%
Annual fee
₹2,949
Year 1 net
₹-1,989
Year 2+ net
₹-1,989
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
Earn 3 Reward Points on domestic transactions, 4 Reward Points on international transactions, and up to 5 Reward Points on Manchester United match days.
- 1 RP = ₹0.25
Benefits & Features
Domestic: 2 Complimentary Domestic Lounges Access Per Quarter (Spending ₹75,000 or More in the Previous Quarter) 2 complimentary domestic lounge access per quarter based on spending.
Pros & Cons
Pros
- Welcome gift of Manchester United branded football and duffle bag.
- High reward points on Manchester United match days.
- Discounts on movie tickets and dining.
- Spend-based waiver on annual fee.
Cons
- No international lounge access.
- Annual fee of ₹2,499.
- Limited to specific merchants for discounts.
Additional Info
Top 18 spenders get exclusive access to the 'Manchester United Experience'.
Excluded Categories
Partner Merchants
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Fees & Charges
Eligibility
Networks
Fee Waiver
Spend-based waiver on annual fee if annual spend is more than ₹2,50,000