ICICI Bank Expressions Credit Card
ICICI Bank · Open to apply
ICICI's custom-image card for ₹499: 3 reward points per ₹100 on retail spends, a domestic lounge visit a quarter on spend, movie offers and an HPCL fuel surcharge waiver.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹1,50,000 spend per card year
- Base rate
- Retail spends, 3 points per ₹100: 3 ICICI Bank Reward Points per ₹100 (about 0.75% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter after ₹75,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No points on cash, rent, fuel, e-wallet loads or EMI
Terms the calculator does not value
- ICICI publishes no rupee value per reward point. The calculator uses the third-party ₹0.25, so every points-based number on this card moves with it.
- The grocery and departmental cap group also holds MCC 5331 (variety stores), which has no category of our own here, so it is valued at the base rate without the cap. Local transit and buses in the transport cap have no category of their own.
- The page mentions "milestone rewards" but publishes no thresholds or rewards, so none are entered.
Sources
- ICICI Bank Expressions Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- General MITC for ICICI Bank credit cards (last updated 2026-11-06) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Expressions Credit Card terms and conditions (Reward terms, 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)