By Shubham Sharma
Updated On September 20, 2021

ICICI Bank Mine credit card is a unique credit card that comes with three plans, out of which you can choose one as per your credit requirements. These three custom-made plans are: Starter Plan, Pro Plan, and Premium Plan, with the starter plan having a zero membership fee. Though the features of all three plans are different, you get a wide variety of benefits and offers with all of them. From exclusive cashback offers to dining benefits to travel benefits, the ICICI Mine Credit Card provides you with everything you can expect from such an affordable credit card. With up to 5% savings on all your spends, this card provides you with various additional discount offers. Read Below to know more in detail about the ICICI Mine credit card.

Best Suited For

Dining |

Joining Fee

Nil (Starter plan)
Rs. 99 per month (Pro plan)
Rs. 149 per month (Premium plan)

Reward Type

Reward Points |

Product Details

  • Choose one out of the three plans as per your requirements.
  • Save up to 5% on your spends.
  • 2-month complimentary subscription to EazyDiner Prime Membership.
  • 6-month free membership of Mindhouse App.
  • Complimentary domestic airport and railway lounge access.
  • Spend-based waiver of monthly membership fee.
  • Exclusive offers on grocery, travel, food, fashion, and E-marketplace.

Rewards and Benefits

Welcome Benefits

NA

Movie & Dining

2-month complimentary subscription to EazyDiner prime membership (with Premium Plan) of  ICICI Bank Mine credit card.

Rewards Rate

A cashback of 1% on all retail spends and 5% on exclusive partner brands.

Reward Redemption

1 Mine cash is equivalent to Rs 0.5 on redemption against the ICICI Bank Reward catalog and 1 Mine cash is equivalent to Rs 1 on redemption against statement balance

Travel

Complimentary domestic airport and railway lounge access every month. 7% off on hotel bookings subject to a maximum discount of Rs 5,000 and 4% off up to Rs 600 flight bookings under the Pro and Premium plan of ICICI Mine credit card.

Golf

NA

Domestic Lounge Access

1 complimentary domestic lounge access per month with Premium Plan.

International Lounge Access

NA

Insurance Benefits

NA

Zero Liability Protection

The cardmember will not be liable for any fraudulent/unauthorized transactions made on the card if the card is reported lost/stolen to the bank in a timely manner.

Fees & Charges

Joining Fee

Nil (Starter plan)
Rs. 99 per month (Pro plan)
Rs. 149 per month (Premium plan)

Renewal Fee

For Starter Plan – Nil
For Pro Plan – Rs 49 per month
For Premium Plan – Rs 149 per month

Spend based Waiver

A spend-based waiver on monthly spending of Rs 10,000 with the Pro Plan and 20,000 with the Premium Plan

Rewards Redemption Fee

Rs 99 per redemption request

Rewards Redemption Fee

Rs 99 per redemption request

Foreign Currency Markup

3.5% on the foreign conversion

Interest Rates

3.4% per month (40.80% per annum)

Fuel Surcharge

1% surcharge waiver on all fuel transactions at all HPCL petrol pumps

Cash Advance Charge

3.4% per month (40.80% per annum)

Add-on Card Fee

Nil

ICICI Mine Credit Card Starter Plan

  • With the Starter Plan, you get 1% cashback on all retail spends. The cashback limit is capped at Rs. 100 per month.
  • Exclusive offers on grocery, travel, food, fashion, and E-marketplace using the ICICI Mine credit card.
  • 1% surcharge waiver on fuel transactions at all HPCL petrol pumps.

ICICI Bank Mine Credit Card Pro Plan

  • Along with the regular 1% cashback on all spends, you get up to 5% cashback on exclusive partners Big Basket, Inox, Ola, PVR, Swiggy, Zomato, BookMyShow, Gaana, Grofers, and Amazon Prime with the Pro plan. The cashback limit is capped at Rs. 200 per month.
  • The monthly membership fee is waived off if you spend Rs. 10,000 or more in the previous month.
  • Exclusive offers on grocery, travel, food, fashion, and E-marketplace using the ICICI Mine credit card.
  • 1 Complimentary Domestic Railway lounge access every month.
  • 7% discount on hotel bookings subject to a maximum discount of Rs 5,000 and 4% off up to Rs 600 on flight bookings under the Pro plan for existing Goibibo customers

ICICI Bank Mine Credit Card Premium Plan

  • You get 1% cashback on all spends and 5% cashback on partner brands as mentioned above.
  • The cashback limit is capped at Rs. 750 per month.
  • You can enjoy exclusive dining benefits with a 2-month complimentary subscription to EazyDiner prime.
  • A spend-based monthly fee waiver on spending Rs 20,000 or more in the previous month.
  • 1% surcharge waiver on fuel transactions at all HPCL petrol pumps.
  • Furthermore, you also get a 5% discount on Tata Cliq subject to a maximum discount of Rs 300 on minimum spending of Rs 1000 using your ICICI Mine credit card.
  • Exclusive offers on grocery, travel, food, fashion, and E-marketplace using the ICICI Mine credit card.
  • 1 Complimentary domestic airport lounge access and 1 railway lounge access every month.
  • Upto 7% discount on hotel bookings subject to a maximum discount of Rs 5,000 and 4% off up to Rs 600 flight bookings under the Premium plan.

For a better understanding of the features & benefits of these three plans, refer to the following table:

Features Starter Plan Pro Plan Premium Plan
Monthly membership fee Nil Rs.99 Rs.149
Cashback 1% cashback on all spends. 1% cashback on all spends & 5% cashback on partner brands. 1% cashback on all spends and 5% on partner brands.
Dining Benefits 15% or more discount dining. A discount of 15% or more on dining. Complimentary Eazy Diner membership and 15% discount on dining.
Lounge Access N/A 1 complimentary railway lounge access per month. 1 complimentary railway lounge access and 1 domestic airport lounge access per month.
Spend-based waiver (spends required within 1 month) N/A Rs. 10,000 Rs. 20,000

How to Redeem Rewards?

With your ICICI Mine credit card, you can earn Mine cash on your spendings, which can be redeemed against the reward catalogue or statement balance.

  • 1 Mine cash is equivalent to Re. 0.5 for redemption against the ICICI Bank Reward catalogue.
  • 1 Mine cash is equivalent to Re. 1 for redemption against statement balance.

Conclusion

The ICICI Mine credit card is a highly affordable credit card for anyone looking to apply for a basic credit card that provides you with a decent reward rate with multiple redemption options. One of its best parts is: you can redeem the Mine cash against statement balance at a rate of 1 Mine Cash = Re. 1. You can choose one plan according to your needs and avail of exclusive benefits including the airport lounge access. With such great features and saving opportunities, you should definitely try one of the three plans of ICICI Bank Mine Credit Card once.

FAQs:

The Mine Cash accumulated on your ICICI Bank Mine credit card is  valid for up to 3 years

Minimum Mine Cash required for redemption against the statement balance is 1500 mine cash.

You do not get charged with any fee on the ICICI Bank Mine credit card starter plan.

Yes, you can use your ICICI Bank Mine credit card for international transactions

You are charged with the reward redemption fee of Rs 100 on ICICI Bank Mine credit card.

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