ICICI Bank Gold Business Credit Card
ICICI Bank · Open to apply
ICICI's free small-business card: 1 reward point per ₹200 at home and 2 abroad, ₹10 lakh personal accident cover and a fuel surcharge waiver at HPCL. No joining or annual fee.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- Domestic spends, 1 point per ₹200: 1 ICICI Bank Reward Points per ₹200 (about 0.13% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- International spends, 2 points per ₹200: 2 ICICI Bank Reward Points per ₹200 (about 0.25% at cash value)
Terms the calculator does not value
- ICICI publishes no rupee value per reward point; the calculator uses the third-party ₹0.25.
- Utilities, insurance, groceries and IRCTC railway spends earn the base rate: the consumer MITC's capping tables do not apply to this business card, and the business MITC sets no category cap.
Sources
- ICICI Bank Gold Business Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Business Cards MITC (2026-10-14) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- How to redeem ICICI credit card reward points (CardInsider; third party, gives ₹0.25 a point) (Third-party site, read 20 Oct 2026)