ICICI Bank Expressions Credit Card – Benefits, Fees & Eligibility

Introduction

The Expressions Credit Card by ICICI Bank is positioned as an entry-level offering, allowing customers to personalize their card design to reflect their unique style. It provides a blend of lifestyle benefits including complimentary domestic airport lounge access, reward points on various spends, milestone rewards, and a fuel surcharge waiver, all while maintaining a low joining and annual fee. A key differentiating feature is the ability to customize the card's appearance, making it appealing to individuals who value personal expression.

Fees

• Joining Fee: ₹499 + GST
• Annual Fee: ₹499 + GST
• Spend-Based Waiver: The annual fee is waived off for the next year if you spend over ₹1.5 lakh in the previous year.
• Rewards Redemption Fee: ₹99 plus applicable taxes per redemption request.
• Foreign Currency Markup: 3.50% of the conversion amount.
• Interest Rates:
  • 3.40% per month (or 40.8% annually) on outstanding balance.
  • 3.75% interest per month for ATM withdrawals.
  • 3.75% interest per month if only the minimum payment is made.
• Fuel Surcharge Waiver: 1% waiver on fuel transactions worth ₹400 - ₹4,000 at HPCL pumps. This benefit applies to both primary and Plus (supplemental) cardholders.
• Cash Advance Charges: 2.50% of the withdrawn amount, subject to a minimum charge of ₹300.
• Late Bill Payment: Late payment fee ranges from ₹100 to ₹1,300, depending on the outstanding amount.

Rewards

• Custom Card Design: Personalize your credit card design by choosing from 175+ pre-installed templates (themes like Zodiac, Sports, Travel) or by uploading your own picture.
• Reward Points Earning:
  • Earn 3 Reward Points for every ₹100 spent on retail transactions.
  • Earn 1 Reward Point for every ₹100 spent on utility and insurance payments.
  • Fuel spends are excluded from earning reward points.
• Movie Benefits:
  • Get 25% off, up to ₹100, on movie tickets. This offer is valid on the purchase of a minimum of two tickets through INOX & BookMyShow.
  • This discount can be availed twice a month.
  • Eligibility for Movie Benefits (effective April 1, 2026): To be eligible for the complimentary tickets offer, you must spend ₹25,000 or more on your Expressions Credit Card within the preceding spends quarter. This entitles you to avail the offer in the following calendar quarter.
  • Customers with Credit Cards on dual networks (Mastercard & Amex | Visa & RuPay) can avail one movie offer per month, per variant.
  • Add-on/Plus card members need to individually spend ₹25,000 in the preceding spends quarter to be eligible.
  • Cashback offers on the Amex variant have been revoked effective from January 1, 2025.
• Domestic Airport Lounge Access:
  • Get 1 complimentary domestic airport lounge access per quarter.
  • Eligibility for Lounge Access: To enjoy domestic lounge access, you must spend ₹75,000 or more on your Expressions Credit Card in a calendar quarter. This entitles you to avail the lounge access benefit in the following calendar quarter. This benefit is exclusively applicable to the primary Cardholder.
• Dining Offers: Enjoy exclusive dining offers under the ICICI Bank Culinary Treats Program at partner restaurants.
• Fraud Protection:
  • Counterfeit Card Liability: Protection against fraudulent transactions due to unauthorized usage.
  • Account Takeover Cover: Safeguards you if your personal information is accessed or misused by a third party without your consent.
• Security Features: The credit card comes with an embedded microchip for enhanced security against counterfeiting and duplication. For transactions at merchant outlets, a Personal Identification Number (PIN) is required to complete the payment, though it is not required for online transactions.

Rewards Redemption Guide

• Redemption Options: Reward points can be redeemed for a variety of items including:
  • Health and Beauty products
  • Travel and Luggage
  • Shopping Vouchers
  • Home Appliances
  • Electronics
  • Fashion and Lifestyle products
  • The card’s outstanding balance.
• Reward Point Value: 1 Reward Point = ₹0.25.
• How to Redeem: Points can be redeemed through the Reward catalogue on the Bank's website, by logging in to the ICICI Bank's iMobile app, or by contacting customer care.

Card Eligibility Criteria

• Age: An Indian citizen over 21 years of age (specifically, in the age group of 21 – 65 years).
• Documents Required:
  • Proof of identity
  • Proof of address
  • Income Proof
• No physical documents are required for the application process.

Card Review

The ICICI Bank Expressions Credit Card is an entry-level offering, particularly well-suited for first-time cardholders, students, and young professionals who appreciate personalized aesthetics. Its unique selling proposition is the ability to customize the card's design, allowing users to express their personality. With a nominal annual membership fee of ₹499 + GST, which can be waived on spending ₹1.5 lakh annually, it offers a decent reward rate of 3 points per ₹100 on retail spends. Additional benefits like complimentary domestic airport lounge access and discounted movie tickets add significant value, making it a good choice for those seeking a basic yet feature-rich credit card.

Important Product Details

• Customizable Design: Unique feature allowing personalization of the card's appearance.
• Reward Points: Earn 3 Reward Points per ₹100 on retail spends and 1 Reward Point per ₹100 on utility and insurance spends.
• Movie Discounts: 25% off up to ₹100 on movie tickets via BookMyShow/INOX, twice a month, subject to a quarterly spend of ₹25,000.
• Domestic Lounge Access: 1 complimentary access per quarter, subject to a quarterly spend of ₹75,000.
• Fuel Surcharge Waiver: 1% waiver on fuel transactions at HPCL pumps (₹400-₹4,000).
• Dining Benefits: Exclusive offers under the ICICI Bank Culinary Treats Program.
• Fees: Nominal joining and annual fees of ₹499 + GST, with an annual fee waiver on ₹1.5 lakh spend.
• Interest Rate: Finance charges of 3.40% per month (40.8% annually).
• Foreign Currency Markup: 3.50%.
• Security: Features include an embedded microchip, PIN for merchant transactions, Counterfeit Card Liability, and Account Takeover Cover.

Other Details

• ICICI Bank Plus Card: Benefits can be extended to loved ones through Plus Cards.
• CVV: The three-digit security code on the back of the card next to the signature panel, also accessible via iMobile app or Net Banking.
• Due Date: Can be found on your monthly statement, in the iMobile app, through Internet Banking, or by contacting Customer Care on 1800 1080.
• Amex Variant Cashback: Cashback offers on the American Express variant have been revoked effective from January 1, 2025.
• Terms & Conditions: Refer to the Most Important Terms & Conditions (MITC) and Image Upload Guidelines for detailed information on other charges and image submission rules.