ICICI Bank
Gold · Expressions
ICICI Bank Expressions Credit Card
ICICI Bank
Earn enhanced reward points on shopping with a stylish customisable card design
Annual Fee
₹500
Joining Fee
₹500
Reward Rate
0.8%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹3,410
Total Annual Benefits
₹4,000
Total Annual Charges
₹590
ROI
578%
Fee Waiver Available
Annual fee waived on spending ₹50,000 in the preceding year — ₹50,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (2)
3 RP per ₹100 on Shopping & Dining
Earn 3 reward points per ₹100 on all spends except fuel, utility, and insurance
- • Excludes fuel, utility bill payments, and insurance premiums
3 RP per ₹100
2 RP per ₹100 on Utility
Earn 2 reward points per ₹100 on utility bill payments
- • Includes electricity, water, gas, and phone bills
2 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹200 per statement cycle
1% waiver
₹2,400/yr
Shopping Benefits (1)
Customisable Card Design
Choose from multiple card design themes to personalise your card
- • Select design during application
- • Available design themes vary
Included
Reward Program
Program
ICICI Reward Points
3 RP per ₹100 on shopping/dining, 2 RP per ₹100 on utility
Effective cashback: 0.75%
Points expire: 3 years from date of accrual
Redemption Options
- → Products & Vouchers from ICICI Rewards Catalogue
- → Statement credit
Bonus Categories
Shopping & Dining
3x multiplier
3 RP per ₹100 on all eligible spends
Utility
2x multiplier
2 RP per ₹100 on utility bills
Fuel & Insurance
0x multiplier
No reward points on fuel and insurance
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 Plus GST |
| Annual Fee | ₹500 Plus GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.53%
- Late Payment Fee
- ₹1,200
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹200
- Other Bank Withdrawal
- ₹200
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹200/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 675
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹20,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
- • Age 21–60 (salaried), 21–65 (self-employed)
- • Customisable card design available
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
- • No complimentary lounge access on this card
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Customisable card design Add-on cards available EMI conversion facility ICICI Culinary Treats dining offers Shopping-focused rewards
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The ICICI Bank Expressions Credit Card is a Visa Gold card offering 3 reward points per ₹100 on all spends except fuel, utility, and insurance, and 2 ...
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