ICICI Bank Expressions Credit Card
Rewards
1st Year Fee: ₹499* Plus Applicable Taxes
Rewards
3X rewards across all categories
Movies
25% discount on BookMyShow
Dining
Exclusive offers at partner restaurants
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About ICICI Bank Expressions Credit Card
ICICI Bank Expressions Credit Card is an entry-level card that allows cardholders to personalize their card from the given designs. With this card, cardholders can earn 3 points per Rs. 100 spent across all categories, making it a suitable option for day-to-day spends. Besides this, it also offers a base reward rate of 1 point per Rs. 100 spent on utilities and insurance, categories that are usually excluded from the rewards program.
The card also offers other lifestyle benefits, such as exclusive hotel deals (with the VISA variant), complimentary lounge access, and free movie tickets. Overall, consumers looking for a credit card with basic benefits across shopping, travel, dining, and entertainment can consider this credit card.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit ICICI Bank’s website.
Rewards, Movie & Dining Benefits
Rewards Program
- 3 ICICI reward points for every Rs. 100 spent1
- 1 ICICI reward point for every Rs. 100 spent on utilities & insurance
Movie Benefit
- 25% discount, up to Rs. 100 off on purchase of min. 2 tickets on BookMyShow, twice a month
Dining Benefit
- Exclusive dining offers at partner restaurants under ICICI Bank Culinary Treats Programme
Other Features & Benefits
Fuel Surcharge Waiver
- 1% fuel surcharge waiver on fuel spends of up to Rs. 4,000 at HPCL petrol pumps
Annual Fee Waiver
- Annual fee waiver on spending Rs. 1.5 Lakh in a year
VISA Benefits
- Exclusive deals & offers at luxury hotels, restaurants, spas and more
- 1 complimentary domestic airport lounge visit in a quarter on spending Rs. 75,000 in the preceding quarter
ICICI Bank Expressions Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 499 + Applicable Taxes | ||||||||||||||||||
| Annual Fee | Rs. 499 + Applicable Taxes | ||||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You want to customize your card with your own design
You are looking for a card with low annual fee & easy eligibility criteria
You want to earn reward points on all your spends, including utility bill payments & insurance
You can spend Rs. 1.5 Lakh in a year to avail annual fee waiver
Other Similar Credit Cards
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SBI SimplyCLICK Credit Card
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Paisabazaar Review
What do we like about this card?
ICICI Bank Expressions Credit Card is an entry-level card, best suited for consumers who are new to credit and looking to start their credit journey. With 3X rewards across all categories, this card is a suitable option for everyday expenses. While most premium cards do not offer any rewards on utility & insurance spends, even a base reward rate is a significant benefit. Additionally, free movie tickets, exclusive hotel benefits, and lounge access with the VISA variant further enhance its value.
Pros
- 3X rewards across all categories
- Free movie tickets worth Rs. 200 every month
- Exclusive hotel benefits & lounge access with the VISA variant
- Easily achievable spending milestone for annual fee waiver
Cons
- No welcome benefits
- No spend-based milestone benefits
- Low reward rate on utilities & insurance spends
- Lounge access benefits limited to VISA variant
Frequently Asked Questions
Everything you need to know about this credit card
Yes, the card offers 1 complimentary domestic airport lounge visit per quarter on spending Rs. 75,000 in the preceding quarter. However, this benefit is only available with the VISA variant.
Yes, the card charges an annual fee of Rs. 499 plus applicable taxes. However, you can avail an annual fee waiver by spending Rs. 1.5 Lakh in a year.
ICICI Expressions is an entry-level credit card that allows you to personalize your card design from over 175 available designs. You can choose designs from different categories, including sports, adventure, travel, music, food, fashion, nature, and more.
To apply for this credit card online, you can submit the duly filled application form through the official website of ICICI Bank. Besides this, you can also visit any of the nearest bank branches and enquire about the offline application process.
You can save on your fuel spends with this credit card by availing a 1% fuel surcharge waiver on transactions of up to Rs. 4,000 per month at HPCL pumps.
Footnotes
- Rent payments and e-wallet loading transactions will not accrue any reward points.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
