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ICICI BankICICI Bank

ICICI Bank Expressions Credit Card

ShoppingDiningFuelTravel
Welcome offerNot verified from configured sources
Annual fee
₹ 500
Reward rate
3 Reward Points per ₹100 spent (excluding fuel, utility, insurance), 2 Reward Points per ₹100 on utility payments
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

ICICI Bank Expressions Credit Card
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

3 Reward Points per ₹100 spent (excluding fuel, utility, insurance), 2 Reward Points per ₹100 on utility payments

Points redeemable for gifts or to offset card balance at 1 point = ₹0.25; redemption fee ₹99 per request

Reward currency
Reward Points
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 25% discount up to ₹100 on BookMyShow movie tickets (max twice a month)

  • Exclusive dining offers under ICICI Bank Culinary Treats Program

  • 1 complimentary domestic airport lounge access per quarter

  • 1% fuel surcharge waiver at HPCL on transactions up to ₹4,000

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹500Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
Not verified from configured sources
Foreign currency markup
3.50% of conversion amount
Late payment
Not verified from configured sources
Returned payment
Not verified from configured sources

Interest rates

Charged on any balance you carry forward

Purchases
3.40% per month (40.8% annually)
Balance transfer
Not verified from configured sources
Cash advance
Not verified from configured sources

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.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Not verified from configured sources credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of ICICI Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about ICICI Bank Expressions Credit Card

Everything you need to know about ICICI Bank Expressions Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for ICICI Bank Expressions Credit Card is nominal, and the annual renewal fee is ₹500 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for ICICI Bank Expressions Credit Card from ICICI Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

ICICI Bank Expressions Credit Card is designed to reward everyday spends. It currently features: "Not verified from configured sources". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via ICICI Bank's rewards portal.

Yes, ICICI Bank Expressions Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for ICICI Bank Expressions Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.