ICICI Mine Starter Credit Card
ICICI Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5%
No lounge access
Contents
ICICI Bank MINE Starter is the entry-level plan of the MINE flexi-plan credit card family. It’s designed for millennials and light spenders who want simple cashback on everyday retail and selected partner brands. The Starter plan is low-fee (often no joining/annual fee) with a basic cashback structure and optional upgrades to Pro/Premium for higher rewards.
Features of ICICI Mine Starter Credit Card which makes it unique
Flexi-Plan Model
Choose Starter, Pro or Premium monthly plans to suit spending patterns
Upgrade/downgrade for better cashback or lower fees
Flexible vs fixed-tier cards
Partner Cashback
Higher cashback on select digital brands when on Pro/Premium
Better returns for targeted spends
Competitive with other millennial-focused cards
Rewards Structure of ICICI Mine Starter Credit Card
Milestones of ICICI Mine Starter Credit Card
Plan Upgrade
Varies by plan : Higher cashback rates and lounge benefits on Pro/Premium
Fees & Charges of ICICI Mine Starter Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| 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:Fee waivers depend on monthly spends or chosen Mine plan (Pro/Premium) and their waiver rules.
Fee Explanation Standard fees apply as per ICICI Bank terms; monthly subscription plans (Pro/Premium) change benefit levels and waiver rules.
Detailed Explanation of ICICI Mine Starter Credit Card Fees
Joining Fee: 0 (one-time)
Starter plan typically has no joining fee; Pro/Premium may charge monthly subscription which can be waived on target spends.
Foreign Currency Markup: 3.5% (transaction)
Applies to international transactions as per bank schedule.
Lounge Access Benefits with ICICI Mine Starter Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Railway lounge access available on Pro/Premium plans; Starter does not include complimentary lounge visits.
domestic Lounges
silverVisits per year: 0
Guest access: No
Domestic airport lounge visits available on Premium plan only.
Insurance Coverage with ICICI Mine Starter Credit Card
Travel Insurance
VariesTravel insurance and cover depends on plan & card variant; check membership guide.
Purchase Protection
VariesSubject to card terms and redemption rules.
Additional Features of ICICI Mine Starter Credit Card
Contactless Payments
Tap-and-pay enabled
Plan Flexibility
Switch monthly between Starter, Pro and Premium plans
Change plan via iMobile or bank portal
Welcome Bonus with ICICI Mine Starter Credit Card
Welcome Bonus:
Bonus Conditions: Starter plan: basic cashback; higher plans (Pro/Premium) give larger cashback on selected merchants. Monthly caps and plan charges may apply.
Application Process for ICICI Mine Starter Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via ICICI Bank MINE page or iMobile app
Complete KYC and upload documents
Select Starter/Pro/Premium plan or accept Starter by default
Receive verification and card dispatch as per bank timelines
Required Documents for ICICI Mine Starter Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
as applicableAccepted documents:
ICICI Mine Starter Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted internationally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Mine Starter Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and KYC documents required. Cardholder must be resident in India.
How Approval Is Decided
- Resident in India with valid KYC
- Minimum age requirement as per bank
- Credit history and bank internal criteria
Pros of ICICI Mine Starter Credit Card
- Flexible upgrade to higher cashback plans
- Good partner-brand cashback potential
- Low-entry Starter plan with no joining/annual fee
Cons of ICICI Mine Starter Credit Card
- Higher foreign currency markup than some premium cards
- Cashback caps on Starter plan limit value for heavy spenders
- Higher plans may charge subscription fees if waiver conditions not met
Frequently Asked Questions about ICICI Mine Starter Credit Card
Is the Starter plan free of joining and annual fees?
Yes — the Starter plan is typically free (no joining/annual fee). Pro and Premium have monthly subscription fees which may be waived on target spends.
How much cashback do I earn on the Starter plan?
Starter plan gives base cashback of around 1% on retail spends and up to 5% on select partner brands, subject to monthly caps.
Can I switch plans between Starter, Pro and Premium?
Yes — MINE is a flexi-plan card: you can change between Starter, Pro and Premium via iMobile or the ICICI portal.
Does the Starter plan include lounge access?
No — Starter normally does not include lounge access. Railway and airport lounge access are benefits available on Pro/Premium plans.
What is the foreign currency markup on international spends?
Foreign currency markup is approximately 3.5% on transactions (confirm current rate in bank terms).
How do I redeem cashback or points?
Cashback and reward redemptions are managed via the ICICI rewards portal or statement credits as per the bank’s redemption rules.
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