ICICI Expressions Credit Card – Features & Apply Online

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Key Highlights of the ICICI Bank Expressions Credit Card

Here is a brief overview of the credit card:

Joining Fee	₹499
Annual Fee	₹499 (Second year onwards) Waived off if you spend over ₹1.5 Lakhs in the preceding year
Suitable for	Discount on movie tickets, rewards on spends, and more
Key Feature	Customise the card face with a design of your own
Rewards	3 reward points on every ₹100 spent on retail purchases

Features and Benefits of the ICICI Bank Expressions Credit Card

Here which makes this card stand out from others:

Design Your Card

Enjoy the freedom to customise your card face and choose from a gallery of over 175 aesthetic designs or your own photo

Spend-based Rewards

Earn 3 reward points on every ₹100 spent on all retail purchases except fuel

Earn Points on Fixed Expenses

Get 1 reward point on every ₹100 you spend on insurance and utility payments

Cinema Discounts

Get a 25% discount up to ₹100 on BookMyShow up to two times a month on purchasing 2 tickets

VISA Network Privileges

Get amazing offers from VISA on hotels, lifestyle stores, restaurants, spas, and more

Complimentary Lounge Access

Avail 1 free domestic airport lounge visit in a quarter on spending just ₹5,000 or above in the preceding calendar quarter

Freedom from Surcharge

Get a 1% surcharge waiver on transactions up to ₹4,000 at HPCL pumps

Cash on the Go

Access cash from over 17,000 ICICI Bank ATMs in case of emergency requirements

iMobile Pay App

Manage your card like a pro via the mobile banking app of ICICI Bank

Scan to Pay

Link the iMobile Pay app on your phone to a UPI app and make quick payments by scanning QR codes at outlets

Automate Bill Payments

Pay your credit card bills on time and increase your credit score by enabling the auto-pay feature synced to your due date

Enjoy Utmost Safety

Transact more safely as this credit card comes with an embedded microchip and a Personal Identification Number (PIN)

Personal Loan

Get instant funds of up to ₹20 Lakhs with competitive interest rates with a loan on this credit card and manage urgent needs

ICICI Bank Expressions Credit Card’s Rewards Program

The ICICI Bank Rewards Program helps you elevate your life by giving you a range of redemption options. From merchandise to travel and movie vouchers, you can redeem points easily and quickly. All you need to do is log in through the mobile app or into your credit card account online.

Here is how the rewards program works for the ICICI Bank Expressions Credit Card:

A. Reward Points

You get 3 reward points on every ₹100 spent, excluding fuel refills

Here is an example :

Purchase (Monthly)	Amount	Reward Points	Value in ₹
Gym Membership	₹4,000	120	₹30
Food Subscription	₹3,000	90	₹22

Disclaimer: The above example is for illustration purposes only.

You get 1 reward point on payments made to the utility and insurance categories per ₹100 spent

Here is an example:

Purchase (Monthly)	Amount	Reward Points	Savings
Insurance Premium	₹2,000	20	₹5
Water Bill	₹1,000	10	₹2
Fuel Surcharge Waiver	₹2,500	-	₹25

Disclaimer: The above example is for illustration purposes only.

B. Redemption Process

Using your ICICI Bank Expressions Credit Card smartly will help you accumulate rewards quickly. Pay recurring bills, do monthly shopping, and address big-ticket expenses with it to rack up points. Now, you can redeem them through net banking or on the app. Remember to account for the redemption handling fee of ₹99.

C. Expiration

All the reward points you earn are valid for 36 months from the date of issuance. Here, 1 reward point = ₹0.25.

D: Example of Savings

Considering the examples used above, here is a look at what your annual expenses and savings will look like:

Category	Details	Conversion	Cash Value (₹)
Gym Membership	Accelerated Category Spends (3X) Assuming spends 48,000 p.a./ 4,000 p.m.	Reward Points = 1,440 3X(48,000/100)	360
Food Subscription	Accelerated Category Spends (3X) Assuming spends 36,000 p.a./ 3,000 p.m.	Reward Points = 1,080 3X(36,000/100)	270
Life Insurance Premium	Special Category Spends Assuming spends 24,000 p.a./ 2,000 p.m.	Reward Points = 240 (24,000/100)	60
Water Bill	Special Category Spends Assuming spends 12,000 pa/ 1,000 p.m.	Reward Points = 120 (12,000/100)	30
Fuel Surcharge Waiver	1% x 2,500	1% x 2,500 x 12	300
Total Annual Savings		2,880	1,020

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer. Please check with the card issuer before applying.

This example demonstrates that you can get annual savings of around ₹1,020 on earning 2,880 rewards on your transactions.

Fees and Charges Associated with the ICICI Bank Expressions Credit Card

Here are the important fees applicable to this card based on your usage:

Fee Type	Details
Joining Fee	₹499
Annual Fee	₹499 from the second year onwards (Zero if you spend ₹1.5 Lakhs or more in the preceding year)
Reward Redemption Fee	₹99
Cash Advance Fee	2.50% of the withdrawn amount or ₹500, whichever is higher
Interest Charges	3.40% per month
Minimum Amount Due	5% of the outstanding balance
Late Payment Fee	Can go up to ₹1,200 based on the outstanding amount
Foreign Transaction Fee	3.50% of the transaction amount

Note: A Goods & Services Tax (GST) of 18% is applicable on all the charges mentioned above.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

ICICI Bank Expressions Credit Card’s Eligibility Criteria

Take a look at the ICICI Bank Expressions Credit Card eligibility criteria to know if you qualify. To apply, you must be:

An Indian citizen
Self-employed: 21 to 65 years old
Salaried: 21 to 58 years old
Earning ₹2.4 Lakhs annually if you have a salary account with ICICI Bank, else ₹3.6 Lakhs
Earning ₹3.6 Lakhs annually if you are self-employed and hold an ICICI Bank Savings Account, else ₹4.8 Lakhs

Documents Required

Here is a list of documents you can keep ready beforehand:

Proof of Address:
- Ration card
- Passport
- Utility bills (not older than 3 months)
Proof of Identity:
- Aadhaar card
- Driving Licence
- PAN card
- Voter’s ID
Proof of Income:
- Form 16 or audited financials for the last 2 years (if self-employed)
- 3 months bank statement
- Salary slips (past 3 months)

How to Apply for the ICICI Bank Expressions Credit Card

To get the ICICI Bank Expressions Apply Credit Card Online on Bajaj Markets. Read through the steps given below to know how to apply:

Click on ‘Check Eligibility’ and fill in the required details, including your professional, mobile number, and date of birth
Fill the One-Time Password (OTP) received on your number
Check the pre-filled details like your PAN number, residential PIN code, email ID, and income information
Apply for the card that meets your needs from the available options
Click ‘Submit’ and complete your application

Customer Care

In case of any queries, contact ICICI Bank's customer service executives via phone or email:

Call the 24/7 helpline at 1800 1080 (toll-free)
Email customer.care@icicibank.com

ICICI Bank Expressions Credit Card vs Others

Before choosing the ICICI Expressions Credit Card, compare its benefits with other cards from ICICI Bank:

Card Name	Cashback	Complimentary Airport Lounge Access	Fuel Surcharge Waiver	10X Reward Points
ICICI Expressions Credit Card	❌	❌	✅	❌
ICICI Bank HPCL Super Saver Credit Card	✅	❌	✅	❌
ICICI Bank Coral Credit Card	❌	✅	✅	❌
ICICI MMT Platinum Credit Card	❌	✅	✅	❌
ICICI MMT Signature Credit Card	✅	❌	✅	❌
ICICI Bank Manchester United Platinum Credit Card	❌	✅	✅	❌
ICICI Bank Manchester United Signature Credit Card	❌	✅	✅	❌
ICICI Platinum Chip Credit Card	❌	❌	✅	❌

Disclaimer: The benefits mentioned are subject to change as per the policies of ICICI Bank. Check them before you apply for a specific card.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

What are the EMI tenor options available on the ICICI Bank Expressions Credit Card?

You can convert any transactions above ₹1500 into EMIs for a tenor of 3, 6, 9, 12, 18, or 24 EMIs. You have the freedom to do this within 30 days of the purchase date for eligible transactions.

How do I find the statement generation date on my ICICI Bank Expressions Credit Card?

To know the credit card statement generation date, you can call customer care from your registered mobile number. Alternatively, you can email them at customer.care@icicibank.com from your registered e-mail ID. Make sure you mention the last 4 digits of your credit card number for verification purposes.

What is the validity period of the ICICI Bank Expressions Credit Card?

Your ICICI Bank credit card has a validity of 4 years from the card issue date. Ten days before expiration, the card will be auto-renewed and sent to your registered address.

Does the ICICI Bank Expressions Credit Card offer reward points for fuel purchases?

No, you don’t earn any rewards on fuel refills on the ICICI Bank Expressions Credit Card. However, the surcharge fee is waived off by 1% every month.

Can I use a personal image for my ICICI Bank Expressions Credit Card?

You can choose a photo of your own as long as it adheres to the guidelines set by ICIBI Bank. You can also choose an image from the design gallery available, which has more than 175 designs with various themes.

What is special about the ICICI Bank Expressions Credit Card?

You can personalise the card face of your ICICI Bank Expressions Credit Card, which differentiates it from other cards in the market. Moreover, it provides guaranteed rewards on almost every spend, making it a great choice for first-time credit card users.