By Divya Shokeen
Updated On September 20, 2021

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 either choose one of the designs given on the 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

Best Suited For

Shopping |

Joining Fee

Rs. 500 (plus applicable taxes)

Reward Type

Reward Points |

Product Details

  • 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 PAYBACK Points per Rs. 100 spent with the card (except fuel, utilities and insurance spends)
  • 1 PAYBACK 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.

Rewards and Benefits

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 PAYBACK Points per Rs. 100 spent with the card (except fuel, utility and insurance spends), 2 PAYBACK Points per Rs. 100 on utility payments

Reward Redemption

PAYBACK Points can be redeemed for purchasing shopping/gift vouchers, products from the rewards catalog at payback.in. 1 PAYBACK 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

Fees & Charges

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs. 500 (plus applicable taxes)

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 Charge

2.50% of the withdrawn amount, subject to a minimum charge of Rs. 300

Add-on Card Fee

Rs. 199 (plus applicable taxes)

ICICI Bank Expressions Credit Card Rewards

  • 3 PAYBACK Points for every Rs. 100 spent with the card (except fuel, utilities and insurance spends).
  • 1 PAYBACK Point for every Rs. 100 spent with the card for utility bill payments and towards insurance premium payments.

Reward redemption:

The PAYBACK Points accumulated on ICICI Bank Expressions Credit Card can be redeemed for shopping/gift vouchers, products and merchandise at payback.in.

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 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. 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 avail of 25% off or a discount of Rs. 100 offers on a first-come-first-serve basis from www.bookmyshow.com on this card twice a month. Under Culinary Treats Program, you can enjoy various exciting and exclusive offers on dining.

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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