ICICI Bank Expressions Credit Card
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Joining Fee
Renewal Fee
Best Suited For
Reward Type
Welcome Benefits
Movie & Dining
25% discount (up to Rs. 100) on movie ticket bookings on BookMyShow on booking a minimum of 2 tickets in a single transaction. Offer can be availed maximum twice in a month.
Rewards Rate
3 Reward Points per Rs. 100 spent with the card (except fuel, utility and insurance spends), 2 Reward Points per Rs. 100 on utility payments
Reward Redemption
The earned Reward Points can be redeemed against gifts or the card’s outstanding balance at a rate of 1 Reward Point = Rs. 0.25.
Travel
N/A
Domestic Lounge Access
1 complimentary access to domestic airport lounges per quarter.
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Spend-Based Waiver
The renewal fee is waived off on expenditure of Rs. 1.5 lakh in the previous year.
Rewards Redemption Fee
Rs. 99 (plus applicable taxes) per redemption request
Foreign Currency Markup
3.50% of the conversion amount
Interest Rates
3.40% p.m. (or 40.8% annually)
Fuel Surcharge
1% fuel surcharge waived off at HPCL filling station across India on transactions of not more than Rs. 4,000
Cash Advance Charges
2.50% of the withdrawn amount, subject to a minimum charge of Rs. 300
- You can personalize the credit card design and look and make it unique as per your liking. You can choose from the given designs on the bank’s website or you can even have your own picture on your credit card.
- 3 Reward Points per Rs. 100 spent with the card (except fuel, utilities and insurance spends)
- 1 Reward Point on utilities and insurance spends.
- 25% discount up to Rs. 100 on movie tickets (minimum 2 tickets in a single transaction) on BookMyShow twice a month.
- 1 complimentary domestic airport lounge access per quarter.
- Exclusive dining offers under ICICI Bank Culinary Treats Program.
ICICI Bank Expressions Credit Card Rewards
- 3 Reward Points for every Rs. 100 spent with the card (except fuel, utilities and insurance spends).
- 1 Reward Point for every Rs. 100 spent with the card for utility bill payments and towards insurance premium payments.
Reward Redemption
The reward points you earn using your ICICI Bank Expressions credit card can be redeemed for shopping/gift vouchers, products, and the card’s outstanding balance by contacting customer care at your credit card. 1 Reward Point = Re. 0.25
Milestone Benefit
The annual renewal fee of Rs. 500 is waived if a minimum of Rs. 1.5 lakh were spent in the previous year.
Travel Benefits
You get one complimentary domestic airport lounge access per quarter under the Visa domestic lounge program on a minimum expenditure of ₹75,000 with the card in the previous quarter.
Movie & Dining Benefits
- 25% discount (max ₹100) on booking a minimum of 2 movie tickets in a single transaction on BookMyShow. The offer can be availed for a maximum of 2 times in a month.
- Exclusive dining is offered at partner restaurants with the ICICI Bank Culinary Treats Program.
Conclusion
ICICI Bank Expressions Credit Card is a one-of-a-kind credit card as it allows you to customize its appearance to your liking. At a nominal membership fee of just ₹500 per annum, and considering the reward rate that it offers, the Expressions Credit Card can be considered a good choice for first-time cardholders, especially for someone for whom aesthetics matter a lot. SBI cards also offer some great credit cards with similar fees, like the SBI SimplySave Credit Card, which is among the most popular basic cards available in the country. Talking about the ICICI Expressions Card, its additional benefits, like complimentary lounge access at domestic airports and discounted movie tickets, are icing on the cake. What’s your opinion of the ICICI Bank Expressions Credit Card? Do let us know in the comments, and if you’re an existing cardholder, feel free to share your opinion.
FAQs:
What are the finance charges on the ICICI Bank Expressions Credit Card?
Does the ICICI Bank provide any dining and movie benefits on the ICICI Bank Expressions Credit Card?
Does the ICICI Bank provide any welcome benefits on the ICICI Bank Expressions Credit Card?
What are the foreign currency mark-up charges on this card?