Is there a monthly fee for the Premium plan?

Yes. The Premium plan is ₹149 per month (waiver/benefits vary by monthly spend).

What cashback rates are offered?

Up to 5% cashback on select partner brands and 1% on other retail spends (plan dependent).

Can I switch plans after signing up?

Yes. You can switch between Starter, Pro and Premium plans monthly via the bank’s app or netbanking.

Does the card offer lounge access?

Yes. Rail and domestic airport lounge access are available on Pro and Premium plans as specified by ICICI Bank.

What documents are required to apply?

PAN, identity proof (Aadhaar/Passport/Voter ID), address proof and any income proof if required by the bank.

Credit Cards/ICICI Bank/ICICI Mine Premium Credit Card

ICICI Mine Premium Credit Card

ICICI Bank

Last updated: Feb 03, 2026

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Annual Fee

₹149

Joining Fee

₹149

Forex Fee

3.5%

Lounge Access

13 visits/yr

ICICI Bank's Mine Premium is a flexible, plan-based lifestyle credit card offering accelerated cashback on top brands, retail rewards and lounge access. Customers can choose Starter, Pro or Premium plans monthly to match spending patterns. The Premium plan provides higher cashback caps and both rail and airport lounge access.

Features of ICICI Mine Premium Credit Card which makes it unique

Flexi Monthly Plans

Choose Starter, Pro or Premium each month to match spending

Optimise benefits and fees month-to-month

Unique flexibility among entry-level cards

Rewards Structure of ICICI Mine Premium Credit Card

base

Reward Rate:

base

Reward Rate:

base

Reward Rate:

Milestones of ICICI Mine Premium Credit Card

Premium Monthly Spend Benefit

Per plan threshold : Higher cashback caps and lounge access

Fees & Charges of ICICI Mine Premium Credit Card

Fee & Amount	Fee Value
Joining Fee	₹149
Annual Fee	₹149
Forex Markup Fee	3.5%
Cash Advance Fee	2.5%
Late Payment Fee	₹750
Over Limit Fee	₹500
Returned Payment Fee	₹350
Cash Withdrawal Fee	2%

Renewal Conditions:Monthly plan fee waived if monthly spend threshold (per plan) is met.

Fee Explanation Refer to the bank’s Most Important Terms & Conditions for full fee schedule and exceptions.

Detailed Explanation of ICICI Mine Premium Credit Card Fees

Monthly Plan Fee (Premium): 149 (monthly)

Waived on meeting Premium plan monthly spend threshold.

Forex Markup: 3.5 (transaction)

As per ICICI Bank terms.

Lounge Access Benefits with ICICI Mine Premium Credit Card

domestic Lounges

silver

Visits per year: 12

Guest access: No

Available on Premium plan as per bank's list of lounges

domestic Lounges

silver

Visits per year: 1

Guest access: No

Available on Pro and Premium plans as specified by ICICI Bank

Insurance Coverage with ICICI Mine Premium Credit Card

Travel Insurance

Varies

As per card terms for eligible spends

Additional Features of ICICI Mine Premium Credit Card

Contactless Payments

Tap and pay enabled

Plan Switching

Switch monthly between Starter, Pro and Premium plans

Change via iMobile or netbanking

Welcome Bonus with ICICI Mine Premium Credit Card

Welcome Bonus: Complimentary hotel and flight discounts plus Mindhouse membership benefits.
Bonus Conditions: Welcome benefits vary by plan (Starter/Pro/Premium); see ICICI Mine terms for eligibility and limits.

Application Process for ICICI Mine Premium Credit Card

Processing Time

5-10 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via ICICI Bank portal

Select monthly plan (Starter/Pro/Premium)

Complete KYC and verification

Card dispatched as per bank timelines

Required Documents for ICICI Mine Premium Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar Passport

Address Proof

all

Accepted documents:

Utility Bill Passport Aadhaar