cards / credit / icici bank / icici-expressions-credit-card

ICICI

4190 •••• •••• ••••

VALID THRU••/••

YOUR NAME HERE

VISA

↑ Your name appears embossed when you sign in.

ICICI Bank Expressions Credit Card

Earn enhanced reward points on shopping with a stylish customisable card design

JOIN: ₹500
ANNUAL: ₹500
REWARDS: 0.5% to 0.75%
APR: 42.36% p.a.

VISA CREDIT Gold Plastic VIRTUAL OK

§ BENEFITS

rewards

3 RP per ₹100 on Shopping & Dining

Earn 3 reward points per ₹100 on all spends except fuel, utility, and insurance

3 RP per ₹100

rewards

2 RP per ₹100 on Utility

Earn 2 reward points per ₹100 on utility bill payments

2 RP per ₹100

fuel

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400–₹4,000

1% waiver

shopping

Customisable Card Design

Choose from multiple card design themes to personalise your card

Included

§ ELIGIBILITY

Employment: Salaried / Self-Employed
Min annual income: ₹3,00,000
Min monthly salary: ₹20,000
Age: 21 – 60
Min credit score: 675
Existing account?: Not required
Invitation only?: No

§ FEES

Joining fee: ₹500
Annual fee: ₹500
APR (monthly): 3.53% p.m.
APR (annual): 42.36% p.a.
Late payment fee: ₹1,200
Over-limit fee: ₹500
Cheque bounce: ₹500
Grace period: 48 days
Min due: 5%

§ ATM & CASH

Own bank free / month: 0
Own bank charge: ₹200
Other bank free / month: 0
Other bank charge: ₹200
International withdrawal: ₹250
Cash advance fee: 2.5%

§ TRANSACTIONS

Currency markup: 3.5%
DCC fee: 1%
Cross-border fee: —
SMS alert / month: —
PIN regen: ₹100
Physical statement: ₹100

§ FUEL

Surcharge waiver: 1%
Min txn: ₹400
Max txn: ₹4,000
Max waiver / cycle: ₹200
Networks: All

§ LIMITS

ATM / day: ₹20,000
POS + e-com / day: ₹2,00,000
Contactless / txn: ₹5,000
Contactless / day: ₹25,000

§ INSURANCE

Insurance: Not provided

§ REWARDS

Programme: ICICI Reward Points
Earn rate: 3 RP per ₹100 on shopping/dining, 2 RP per ₹100 on utility
Point value: ₹0.25
Effective cashback: 0.75%
Min redemption: 500 pts
Expiry: 3 years from date of accrual

§ LOUNGE

Domestic: Not available
International: Not available
Domestic guests allowed?: No
International guests allowed?: No

Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with ICICI Bank and earns no commission on applications.