Personalise this lifestyle card with your own photo or design and earn 3X reward points, get discounts on movie tickets, and more.
Here is a brief overview of the credit card:
Joining Fee |
₹499 |
Annual Fee |
₹499 (Second year onwards) Waived off if you spend over ₹1.5 Lakhs in the preceding year |
Suitable for |
Discount on movie tickets, rewards on spends, and more |
Key Feature |
Customise the card face with a design of your own |
Rewards |
3 reward points on every ₹100 spent on retail purchases |
Here which makes this card stand out from others:
Enjoy the freedom to customise your card face and choose from a gallery of over 175 aesthetic designs or your own photo
Earn 3 reward points on every ₹100 spent on all retail purchases except fuel
Get 1 reward point on every ₹100 you spend on insurance and utility payments
Get a 25% discount up to ₹100 on BookMyShow up to two times a month on purchasing 2 tickets
Get amazing offers from VISA on hotels, lifestyle stores, restaurants, spas, and more
Avail 1 free domestic airport lounge visit in a quarter on spending just ₹5,000 or above in the preceding calendar quarter
Get a 1% surcharge waiver on transactions up to ₹4,000 at HPCL pumps
Access cash from over 17,000 ICICI Bank ATMs in case of emergency requirements
Manage your card like a pro via the mobile banking app of ICICI Bank
Link the iMobile Pay app on your phone to a UPI app and make quick payments by scanning QR codes at outlets
Pay your credit card bills on time and increase your credit score by enabling the auto-pay feature synced to your due date
Transact more safely as this credit card comes with an embedded microchip and a Personal Identification Number (PIN)
Get instant funds of up to ₹20 Lakhs with competitive interest rates with a loan on this credit card and manage urgent needs
The ICICI Bank Rewards Program helps you elevate your life by giving you a range of redemption options. From merchandise to travel and movie vouchers, you can redeem points easily and quickly. All you need to do is log in through the mobile app or into your credit card account online.
Here is how the rewards program works for the ICICI Bank Expressions Credit Card:
You get 3 reward points on every ₹100 spent, excluding fuel refills
Here is an example :
Purchase (Monthly) |
Amount |
Reward Points |
Value in ₹ |
Gym Membership |
₹4,000 |
120 |
₹30 |
Food Subscription |
₹3,000 |
90 |
₹22 |
Disclaimer: The above example is for illustration purposes only.
You get 1 reward point on payments made to the utility and insurance categories per ₹100 spent
Here is an example:
Purchase (Monthly) |
Amount |
Reward Points |
Savings |
Insurance Premium |
₹2,000 |
20 |
₹5 |
Water Bill |
₹1,000 |
10 |
₹2 |
Fuel Surcharge Waiver |
₹2,500 |
- |
₹25 |
Disclaimer: The above example is for illustration purposes only.
Using your ICICI Bank Expressions Credit Card smartly will help you accumulate rewards quickly. Pay recurring bills, do monthly shopping, and address big-ticket expenses with it to rack up points. Now, you can redeem them through net banking or on the app. Remember to account for the redemption handling fee of ₹99.
All the reward points you earn are valid for 36 months from the date of issuance. Here, 1 reward point = ₹0.25.
Considering the examples used above, here is a look at what your annual expenses and savings will look like:
Category |
Details |
Conversion |
Cash Value (₹) |
Gym Membership |
Accelerated Category Spends (3X)
48,000 p.a./ 4,000 p.m. |
Reward Points = 1,440 3X(48,000/100) |
360 |
Food Subscription |
Accelerated Category Spends (3X)
36,000 p.a./ 3,000 p.m. |
Reward Points = 1,080 3X(36,000/100) |
270 |
Life Insurance Premium |
Special Category Spends
24,000 p.a./ 2,000 p.m. |
Reward Points = 240 (24,000/100) |
60 |
Water Bill |
Special Category Spends
|
Reward Points = 120 (12,000/100) |
30 |
Fuel Surcharge Waiver |
1% x 2,500 |
1% x 2,500 x 12 |
300 |
Total Annual Savings |
2,880 |
1,020 |
Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer. Please check with the card issuer before applying.
This example demonstrates that you can get annual savings of around ₹1,020 on earning 2,880 rewards on your transactions.
Here are the important fees applicable to this card based on your usage:
Fee Type |
Details |
Joining Fee |
₹499 |
Annual Fee |
₹499 from the second year onwards (Zero if you spend ₹1.5 Lakhs or more in the preceding year) |
Reward Redemption Fee |
₹99 |
Cash Advance Fee |
2.50% of the withdrawn amount or ₹500, whichever is higher |
Interest Charges |
3.40% per month |
Minimum Amount Due |
5% of the outstanding balance |
Late Payment Fee |
Can go up to ₹1,200 based on the outstanding amount |
Foreign Transaction Fee |
3.50% of the transaction amount |
Note: A Goods & Services Tax (GST) of 18% is applicable on all the charges mentioned above.
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
Take a look at the ICICI Bank Expressions Credit Card eligibility criteria to know if you qualify. To apply, you must be:
An Indian citizen
Self-employed: 21 to 65 years old
Salaried: 21 to 58 years old
Earning ₹2.4 Lakhs annually if you have a salary account with ICICI Bank, else ₹3.6 Lakhs
Earning ₹3.6 Lakhs annually if you are self-employed and hold an ICICI Bank Savings Account, else ₹4.8 Lakhs
Here is a list of documents you can keep ready beforehand:
Ration card
Passport
Utility bills (not older than 3 months)
Aadhaar card
Driving Licence
PAN card
Voter’s ID
Form 16 or audited financials for the last 2 years (if self-employed)
3 months bank statement
Salary slips (past 3 months)
To get the ICICI Bank Expressions Credit Card apply online on Bajaj Markets. Read through the steps given below to know how to apply:
Click on ‘Check Eligibility’ and fill in the required details, including your professional, mobile number, and date of birth
Fill the One-Time Password (OTP) received on your number
Check the pre-filled details like your PAN number, residential PIN code, email ID, and income information
Apply for the card that meets your needs from the available options
Click ‘Submit’ and complete your application
In case of any queries, contact ICICI Bank's customer service executives via phone or email:
Call the 24/7 helpline at 1800 1080 (toll-free)
Before choosing the ICICI Expressions Credit Card, compare its benefits with other cards from ICICI Bank:
Card Name |
Cashback |
Complimentary Airport Lounge Access |
Fuel Surcharge Waiver |
10X Reward Points |
ICICI Expressions Credit Card |
❌ |
❌ |
✅ |
❌ |
✅ |
❌ |
✅ |
❌ |
|
❌ |
✅ |
✅ |
❌ |
|
❌ |
✅ |
✅ |
❌ |
|
✅ |
❌ |
✅ |
❌ |
|
❌ |
✅ |
✅ |
❌ |
|
❌ |
✅ |
✅ |
❌ |
|
❌ |
❌ |
✅ |
❌ |
Disclaimer: The benefits mentioned are subject to change as per the policies of ICICI Bank. Check them before you apply for a specific card.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
You can convert any transactions above ₹1500 into EMIs for a tenor of 3, 6, 9, 12, 18, or 24 EMIs. You have the freedom to do this within 30 days of the purchase date for eligible transactions.
To know the credit card statement generation date, you can call customer care from your registered mobile number. Alternatively, you can email them at customer.care@icicibank.com from your registered e-mail ID. Make sure you mention the last 4 digits of your credit card number for verification purposes.
Your ICICI Bank credit card has a validity of 4 years from the card issue date. Ten days before expiration, the card will be auto-renewed and sent to your registered address.
No, you don’t earn any rewards on fuel refills on the ICICI Bank Expressions Credit Card. However, the surcharge fee is waived off by 1% every month.
You can choose a photo of your own as long as it adheres to the guidelines set by ICIBI Bank. You can also choose an image from the design gallery available, which has more than 175 designs with various themes.
You can personalise the card face of your ICICI Bank Expressions Credit Card, which differentiates it from other cards in the market. Moreover, it provides guaranteed rewards on almost every spend, making it a great choice for first-time credit card users.
No, you can only register one mobile number and one email ID to receive card alerts.