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ICICI Bank Expressions Credit Card

ICICI Bank Expressions Credit Card is an entry-level credit card by the ICICI Bank. The unique feature of this card is that you can customize its design and appearance to your liking. You can choose one of the designs on the ICICI bank’s website or have your own picture on the card. The card’s target customer base primarily includes students and young professionals who believe in expressing themselves through the things they own (that’s why the name “Expressions“). Expressions Credit Card comes with a nominal annual membership fee of just Rs. 500, which can be waived on spending a minimum of Rs. 1.5 lakh in an anniversary year. Read on to learn more about this entry-level offering by ICICI.

ICICI Bank Expressions Credit Card

( 3.8 / 5 )
ICICI Bank Expressions Credit Card
  • Joining FeeRs. 500 + GST
  • Annual FeeRs. 500 + GST
  • Best Suited ForShopping
  • Reward TypeReward Points

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

Welcome Benefits

N/A

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 Waiver

    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    2.50% of the withdrawn amount, subject to a minimum charge of Rs. 300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:

    The ICICI Bank charges a finance charge of 3.40% on the ICICI Bank Expressions Credit Card.

    Yes, on ICICI Bank Expressions Credit Card, you can get 25% off or get a discount of Rs. 100 offers on a first-come-first-serve basis from BookMyShow, card twice a month. Under the Culinary Treats Program, you can enjoy various exciting and exclusive dining offers.

    No, the ICICI Bank doesn’t provide any welcome benefits on the ICICI Bank Expressions Credit Card.

    The ICICI Bank charges a foreign currency mark-up fee of 3.50% on the ICICI Bank Expressions Credit Card.

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