ICICI Expressions Credit Card
ICICI Bank
Last updated: Feb 03, 2026
₹499
₹499
2%
4 visits/yr
Contents
ICICI Bank Expressions Credit Card is a personalised, entry-level rewards card that suits everyday spends. Cardholders can choose a custom card design, earn reward points on routine transactions and access periodic lounge and dining offers. It’s designed for customers who want simple rewards, movie and dining benefits and occasional lounge access.
Features of ICICI Expressions Credit Card which makes it unique
Custom Card Design
Personalise your card background from a gallery or upload an image
Express personal style
Not common among entry-level cards
Rewards Structure of ICICI Expressions Credit Card
Retail
acceleratedAll retail spends excluding fuel
Standard earn on everyday retail purchases.
Fuel
baseFuel transactions
Lower earn rate applies on fuel spends.
Movies
baseBookMyShow or partner channels
Monthly BookMyShow discount offers available subject to bank and partner terms.
Milestones of ICICI Expressions Credit Card
Annual Fee Waiver Milestone
₹1,50,000 : Annual fee waiver for next year
Fees & Charges of ICICI Expressions Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 3.75% |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 4% |
Renewal Conditions:Annual fee waived if cardholder spends ₹1,50,000 or more in the previous year.
Fee Explanation Standard bank rules and the Most Important Terms & Conditions (MITC) apply for charges, interest and waivers. | Late payment fee details: ₹100 - ₹1,300 (per ICICI MITC)
Detailed Explanation of ICICI Expressions Credit Card Fees
Joining Fee: ₹499 + GST (one-time)
Paid at issuance
Annual Fee: ₹499 + GST (yearly)
Waived on ₹1,50,000 previous year spend
Cash Advance / ATM Withdrawal: 3.75% (transaction)
Per ICICI MITC
Lounge Access Benefits with ICICI Expressions Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Complimentary domestic lounge access typically available once per quarter subject to eligibility and participation list.
Insurance Coverage with ICICI Expressions Credit Card
Travel insurance
As per partner programAvailable on select variants and subject to bank terms
Purchase protection
As per termsLimited-time protections under select promotions
Additional Features of ICICI Expressions Credit Card
Personalise Card Design
Choose from over 175 card designs or upload your own image
Image must meet bank's image guidelines
Contactless Payments
Tap and pay enabled
Welcome Bonus with ICICI Expressions Credit Card
Welcome Bonus: ₹100 BookMyShow discount
Bonus Conditions: Offer subject to ICICI Bank terms; discounts and frequency depend on partner promotions and eligibility.
Application Process for ICICI Expressions Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via ICICI Bank website or iMobile app
Select card design and provide personal details
Upload KYC and income documents
Receive verification call and dispatch details
Required Documents for ICICI Expressions Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
ICICI Expressions Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally via Visa network
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Expressions Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and Aadhaar; eligibility per ICICI Bank underwriting norms.
How Approval Is Decided
- Minimum income per card variant and bank underwriting
- Indian resident
- Credit score generally 700+ preferred
Pros of ICICI Expressions Credit Card
- Personalised card designs
- Simple rewards on everyday retail spends
- Periodic movie and dining partner offers
Cons of ICICI Expressions Credit Card
- Lower reward rate on fuel
- Limited premium travel benefits compared with higher-tier cards
Frequently Asked Questions about ICICI Expressions Credit Card
Is there a joining fee?
Yes. The joining fee is ₹499 + GST at issuance.
What is the annual fee and how can it be waived?
Annual fee is ₹499 + GST and can be waived if you spend ₹1,50,000 or more in the previous year.
How many reward points do I earn?
You typically earn 3 points per ₹100 on retail spends (exclusions apply) and 1 point per ₹100 on fuel.
Does the card offer movie discounts?
Yes. ICICI regularly runs BookMyShow/movie partner discounts — typically a ₹100 discount applicable on partner booking channels as per offer terms.
Do I get airport lounge access?
Complimentary domestic lounge access is generally available once per quarter for primary cardholders subject to participating lounges and bank terms.
How do I apply?
Apply online through ICICI Bank’s website or iMobile app; pre-approved offers may be available to select customers.
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