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Federal BankICICI 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 either choose one of the designs given 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 off 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
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
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
Complimentary domestic lounge access
Golf
N/A
Domestic Lounge Access
1 complimentary access to domestic airport lounges per quarter.
International Lounge Access
N/A
Insurance Benefits
N/A
Zero Liability Protection
Cardholders shall not be liable for any fraudulent transaction made with the card post reporting the loss of card to the bank
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
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2.50% of the withdrawn amount, subject to a minimum charge of Rs. 300
Add-on Card Fee
Rs. 199 (plus applicable taxes)
- 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 your credit card customer care. 1 Reward Point = Re. 0.25
Milestone Benefit:
The annual renewal fee of Rs. 500 is waived off if a minimum of Rs. 1.5 lakh were spent in the previous year.
Travel benefits:
You get 1 complimentary domestic airport lounge access per quarter under the Visa domestic lounge program on a minimum expenditure of Rs. 5,000 with the card in the previous quarter.
Movie & Dining benefits:
- 25% discount (max Rs. 100) on booking minimum 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 offers at partner restaurants with the ICICI Bank Culinary Treats Program.
Conclusion
ICICI Bank Expressions Credit Card is a one of its kind credit card as it allows you to customize its appearance as per your choice. At a nominal membership fee of just Rs. 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 Card also offers some great credit cards with a similar fee, 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.
