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ICICI Bank Expressions Credit Card

by Kshitiz V Sharma on

The Bottom Line

ICICI Bank Expressions Credit Card
Low Fee, Low Reward

3 reward points / ₹100 on all spending and 1 point on insurance and utilities. Personalize card with 175+ designs or selfies.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield -0.3%^ 0.2% 0.7% 0.7% 0.7%
Est. Monthly Reward (₹) (15) 20 135 345 710
All-India Rewards Rank* 182 200 144 197 192
Within Bank Rank* 16 18 7 20 20
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The ICICI Bank Expressions Credit Card gives 0.25% effective reward on utilities and insurance and 0.75% effective reward on all other spending.

Overall, we estimate you can earn a net reward yield of 0.7% on spending more than ₹20,000 with this card in a month.

The Mine Credit Card is the best credit card from ICICI Bank for most people.

Sign up for the PRO 49 plan if you are spending less than ₹20,000 a month on your card. The PREMIUM 149 plan is best if you are spending between ₹20,000 – 50,000.

You can earn a net reward yield of 1.4-1.8% on all your spending with this credit card.

If you are spending more than ₹50,000 a month on your card, the Amazon Pay ICICI Bank Credit Card is the best option from ICICI Bank. We estimate you can earn a net reward yield of 1.2% with this card.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card ICICI Bank Expressions Credit Card
Card Type Reward
Reward Features 1 Reward points / ₹100 on:
– Insurance
– Utilities

3 Reward Points / ₹100 on all other spending

Milestone Rewards Nil
Other Rewards – 1 Complimentary Domestic Airport Lounge Visits / Qtr (Min. Spend ₹5,000)

– 25% discount (up to ₹100) on movie ticket bookings on BookMyShow

Rewards Redemption Fee ₹99
Reward Caps Unlimited
Preferred Redemption Method Cashback against statement balance


Fees & Charges

Card ICICI Bank Expressions Credit Card
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹1.5 Lacs
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee ₹199 + Taxes
Interest Rate 40.80% p.a.
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹300
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