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Credit cards have truly evolved over the last few years to emerge as one of the most popular payment methods available to people today. Credit cards are ideal for when you want to buy latest home appliances or consumer electronics.
ON THIS PAGE: Features & Benefits | Fees & Charges | Eligibility Criteria & Documents Required | How to Apply | FAQs
Shopping through credit cards are additionally appealing because of the huge amounts of rewards and benefits they offer. For instance, a lot of credit cards, and especially those issued by ICICI Bank, offer a range of traveller points that you can utilize for getting discounts on flight tickets and other amenities.
ICICI Bank Expressions Credit Card is the latest offering by ICICI, and is made even more appealing due to the cardholder’s ability to customize it. You can choose from a range of images across themes, or even use your own image, which will be featured on the card.
The ICICI Bank Expressions credit card comes equipped with a range of features and benefits, which enable the cardholder to avail a range of discounts. Read on below to learn the ICICI Bank Expressions Credit Card features and benefits, which make using this card such a great tool for making payments.
Extensive security against duplication and fraud through a microchip embedded into the card.
For every Rs. 100 spent through the card on retail purchases, excluding fuel, cardholders earn 3 payback points, which can be redeemed for attractive products.
Twice a month, cardholders can get enviable discounts of Rs. 100 each time on movie tickets bought through bookmyshow.
Cardholders also have access to the ICICI Bank Culinary Treats programme, under which they can avail discounts of 15% or more at across 2,500 restaurants across 12 or more Indian cities.
ICICI Bank Expressions credit card benefits also include offers from VISA, which can be redeemed across restaurants, lifestyle stores, luxury hotels, and spas.
Travelling can get a lot more luxurious and exciting for cardholders of the ICICI Bank Expressions Credit Card. Expression credit card benefits include a complimentary visit to airport lounges every quarter along with unrestricted chargeable access for cardholders and their guests.
Even as fuel prices shoot up, ICICI Bank Expressions credit card holders can avail waivers on fuel surcharge of 1% each time they refuel for a maximum expenditure of Rs. 4,000 per transaction at HPCL pumps.
Credit cards have long earned criticism for the additional charges they levy from cardholders, without cardholders being informed about it in advance. However, ICICI Bank Expressions Credit Card fees and charges are clearly communicated to customers, thereby, ensuring that cardholders are never left feeling shortchanged. Read on below to learn the different fees and charges you will be liable to while using the ICICI Bank Expressions Credit Card.
Fees & Charges Criterion |
Amount |
Fee for Joining |
Rs. 499 + GST |
Annual Fee |
Rs. 499 + GST (the annual fee gets waived from second year onwards if annual expenditure through card exceeds Rs. 1,50,000) |
Add-on Card Fee |
Rs. 199 |
Finance Charges |
These are levied at a rate of 3.40% per month or 40.80% per year |
Cash Advance Fee |
Either Rs. 300 or 2.50% of the amount withdrawn, depending on whichever is higher |
Dial-a-Draft Fee |
3% of the draft value will be charged, subject to a minimum fee of Rs. 300 |
Late Payment Charges |
Charges are capped at Rs. 750 |
Over-limit Charges |
2.50% will be charged on the over-limit amount, but subject to a minimum of Rs. 500 |
Cheque-return Fee |
The minimum from among either Rs. 450 or 2% of the total due amount |
Fee on Cash Payment at Branches |
Rs. 100 per payment transaction |
Request for Duplicate Statement |
Rs. 100 |
Fee for Card Replacement |
Rs. 199 |
Fee for Cash or Cheque Pick-up |
Rs. 100 per Pick-up |
Request for Charge Slip |
Rs. 100 per charge slip |
Surcharge on Railway Booking |
If payment is made online, 1.80% of the transaction value is levied, while 2.50% is levied on other payment modes. |
Just follow these 5 quick steps and you’re done!
Visit us online
Help us with a few of your details
Compare between the multiple options available
Select ICICI Expression Credit Card
And you're done!
There is no limit on the ICICI Expression credit card, but instead if you spend up to Rs. 1,50,000 annually through the card, your annual fee for using the card will be waived.
ICICI Bank Expressions Credit Card benefits are numerous, and offer a range of rewards and discounts for eating out, travelling, etc.
The annual fee for using the ICICI Bank Expressions Credit Card from the second year onwards is Rs. 500 and the appropriate GST. However, this fee will not be levied if your annual expenditure through the card is more than Rs. 1.5 lakh.
For all queries related to your Credit card application, you can reach the ICICI Bank credit card customer care team:
Email: Customer.care@icicibank.com
Phone: 1860 120 7777
Local call: 33667777 (prefix local area code)