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Last updated: 14 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
3 Reward Points per ₹100 spent
Earn 3 ICICI Bank Reward Points for every ₹100 spent on all retail purchases except fuel. 1 Reward Point = ₹0.25 (Base return rate of 0.75%).
Redeem for
The privileges that come bundled in, beyond the reward points.
Customizable card design: Upload your own picture or choose from ICICI's Expressions gallery
1 complimentary domestic airport lounge visit per quarter (Requires a minimum spend of ₹5,000 in the previous calendar quarter)
₹100 discount on up to 2 movie tickets per month via BookMyShow
Exclusive dining offers through the ICICI Bank Culinary Treats Programme
1% fuel surcharge waiver at HPCL pumps on transactions up to ₹4,000
Annual fee of ₹499 is waived on spending ₹1,50,000 or more in the previous anniversary year
An honest read on where this card earns its keep — and where it doesn't.
Ability to completely customize the physical look of your card
Good entertainment benefit (up to ₹200 off monthly on BookMyShow)
Offers domestic airport lounge access for an entry-level fee
Lounge access is now strictly spend-based (₹5,000 in the previous quarter)
Relatively high annual fee waiver target (₹1.5 Lakhs) for an entry-level card
Low base reward rate of 0.75%
No accelerated rewards for specific categories
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with ICICI Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how ICICI Bank Expressions Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about ICICI Bank Expressions Credit Card fees, reward conversion, lounge access, and application eligibility.
ICICI Bank Expressions Credit Card has an annual fee of ₹499 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Personalize your credit card with an image of your choice or choose from a wide gallery of designs.".
ICICI Bank Expressions Credit Card earns ICICI Bank Rewards at a primary rate of 3 Reward Points per ₹100 spent. Specifically, Earn 3 ICICI Bank Reward Points for every ₹100 spent on all retail purchases except fuel. 1 Reward Point = ₹0.25 (Base return rate of 0.75%).. Spends in Entertainment, Lifestyle categories provide the maximum valueback per transaction on this card.
Rewards earned on ICICI Bank Expressions Credit Card can be redeemed for ICICI Rewards Catalogue, Cashback / Statement Credit, Gift Vouchers via ICICI Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
Yes, ICICI Bank Expressions Credit Card features complimentary airport lounge privileges. Privileges include: "1 complimentary domestic airport lounge visit per quarter (Requires a minimum spend of ₹5". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 700 or above is strongly recommended for approval of ICICI Bank Expressions Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
ICICI Bank Expressions Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
ICICI Bank Expressions Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
ICICI Bank Expressions Credit Card currently features a welcome offer: "Personalize your credit card with an image of your choice or choose from a wide gallery of designs.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Ability to completely customize the physical look of your card and Good entertainment benefit (up to ₹200 off monthly on BookMyShow). However, keep in mind that Lounge access is now strictly spend-based (₹5 and 000 in the previous quarter). Overall, ICICI Bank Expressions Credit Card delivers strong value if your regular spending aligns with Entertainment, Lifestyle.
Yes, ICICI Bank Expressions Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver at HPCL pumps on transactions up to ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
