ICICI Bank Expressions Credit Card

Name: ICICI Bank Expressions Credit Card
Brand: ICICI
Price: 499 INR
Availability: InStock
Rating: 3 (1 reviews)

Overview

The ICICI Bank Expressions Credit Card occupies a unique space in the entry-level card market by combining personalization with everyday rewards. You can upload your own photograph or pick from 175+ pre-installed templates spanning themes like zodiac signs, sports, travel, and more. The joining fee and annual fee are both ₹499 plus GST, and the annual fee gets waived when you cross ₹1.5 lakh in annual spending. For a card under ₹500 in fees, the customization feature alone gives it a distinct identity that no other ICICI card offers.Reward points earn at 3 per ₹100 on retail purchases and 1 per ₹100 on utility and insurance payments. Fuel transactions earn zero points. The iShop portal pushes earning rates to 6x or 12x at select merchants, significantly boosting value for online shoppers. Points can be redeemed through the ICICI Bank Rewards portal for shopping vouchers, electronics, home appliances, health and beauty products, travel, and fashion.Domestic airport lounge access allows 1 visit per quarter, but only after spending ₹75,000 in the previous quarter. This means access is conditional and maxes out at 4 visits per year. Movie lovers get 25% off (up to ₹100) on BookMyShow and INOX tickets with a minimum of 2 tickets, available twice per month. The fuel surcharge waiver of 1% applies specifically at HPCL pumps on transactions between ₹400 and ₹4,000.This card suits anyone who values personalization and wants basic credit card perks at a low annual cost. The ₹1.5 lakh waiver threshold is reachable for most regular users, making the card effectively free with moderate spending. For those prioritizing airport lounges, high reward rates, or international travel benefits, a higher-tier card like the ICICI Rubyx with better lounge access and milestone rewards would be a stronger choice.

Pros

↑Only ICICI card that lets you personalize the card face with your own photo or 175+ templates, a feature most competitors do not offer at any price point
↑3 reward points per ₹100 on retail spend is above average for cards in the sub-₹500 annual fee segment, where 1-2 points per ₹100 is common
↑₹499 annual fee with ₹1.5 lakh waiver threshold is achievable for most regular spenders, making the card effectively free with about ₹12,500 monthly spend

Cons

↓Airport lounge access limited to 1 visit per quarter (4 per year) and requires ₹75,000 quarterly spend, unlike cards that provide unconditional access
↓Fuel surcharge waiver applies only at HPCL pumps, not all fuel outlets, limiting savings for cardholders who use Indian Oil, Bharat Petroleum, or other brands
↓No welcome offer, no milestone rewards, and no international lounge access, benefits that several competing cards in this fee range include

Key Highlights

Welcome Offer
No welcome offer
No welcome vouchers or bonus points included
Card benefits start from first use
Consider ICICI Rubyx for welcome vouchers worth ₹5,000+

Reward Rate
3 points per ₹100 retail
Retail: 3 points per ₹100
Utilities & Insurance: 1 point per ₹100
No points on fuel transactions
6x to 12x on iShop portal

Minimum Salary
₹35,000/month (salaried)
Salaried: ₹35,000/month (₹4.2 lakh/year)
Self-employed: ₹5,00,000/year
Age: 21 to 65 years
Indian citizen

Joining Fee
₹499 + GST
Joining fee: ₹499
Plus 18% GST
No welcome vouchers to offset the cost

Annual Fee
₹499 + GST (waived on ₹1.5L spend)
Annual fee: ₹499
Plus 18% GST
Waived if annual spend exceeds ₹1.5 lakh

Why Choose?
Custom card design with 175+ templates
Upload your own photo on the card face
175+ pre-installed templates
Themes: Zodiac, Sports, Travel, and more
Only ICICI card with this personalization feature

Key Benefits

Dining

★2.5

▼

BookMyShow and INOX: 25% off up to ₹100
Minimum 2 tickets per booking
Available twice per month
Maximum saving: ₹200/month

Fuel

★3.0

▼

1% surcharge waiver on ₹400 to ₹4,000 transactions
HPCL pumps only (not all fuel outlets)
Primary and supplementary cardholders
No reward points on fuel

Reward Points

★3.0

▼

Retail: 3 points per ₹100
Utilities & Insurance: 1 point per ₹100
6x to 12x points on iShop purchases
Redeem via ICICI Bank Rewards portal

Shopping

★2.5

▼

6x to 12x reward points on iShop portal at select merchants
3 reward points per ₹100 on domestic retail purchases
Redeem points for vouchers, electronics, fashion

Merchant Offers

▼

6x to 12x reward points on iShop
BookMyShow and INOX movie ticket discounts

Travel

★2.0

▼

1 domestic airport lounge visit per quarter (conditional on ₹75K quarterly spend)
No international lounge access
Maximum 4 domestic lounge visits per year
No travel insurance

Airport Lounge Access

▼

1 domestic visit per quarter (requires ₹75,000 spend in prior quarter)
Primary cardholder only
No international lounge access
Maximum 4 visits per year

Liability Protection

▼

Counterfeit Card Liability protection
Account Takeover Cover

Emi

▼

EMI conversion on purchases above ₹2,500

Detailed Information

Joining Fee	₹499 + GST
Annual Fee	₹499 + GST
Annual Fee Waiver	Waived on ₹1.5L annual spend
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	₹100 to ₹1,300 based on outstanding
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	2% of transferred amount (min ₹250)
Fee For Supplementary Card	₹199/year
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	₹4.2 lakh (₹35,000/month)
Minimum Annual Income Self Employed	₹5.0 lakh/year
Minimum Credit Score	750+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The joining fee is ₹499 plus 18% GST. There is no welcome offer or welcome vouchers to offset this cost, unlike higher-tier ICICI cards such as the Rubyx that include voucher bundles worth ₹5,000+.

The annual fee of ₹499 plus GST gets waived when your total spending in the year crosses ₹1.5 lakh. This threshold is lower than most mid-tier cards, making the fee waiver achievable with roughly ₹12,500 in monthly spending.

Yes, you can upload your own custom image when applying for the card. ICICI Bank also provides 175+ pre-installed templates across themes like zodiac signs, sports, travel, and more. Image upload guidelines are available on the ICICI Bank website to help you choose a suitable photo.

There are 175+ pre-installed templates spanning categories like zodiac signs, sports, travel, and other themes. You can also skip the templates entirely and upload your own photograph to print on the card face.

Apply through the ICICI Bank website or iMobile app. The process is fully digital with no physical documents to submit. You need a PAN card, Aadhaar, and income proof (salary slips for salaried, ITR for self-employed). Existing ICICI Bank customers may find a pre-approved Expressions offer directly in iMobile or internet banking.

Retail purchases earn 3 reward points per ₹100 spent. Utility and insurance payments earn 1 point per ₹100. Fuel transactions do not earn any reward points. The iShop portal multiplies earnings to 6x or 12x at select merchants, significantly boosting the effective earn rate.

Fuel transactions earn zero points. Cash advances, EMI conversions, balance transfers, fee payments (joining, annual, GST), and penalty charges (interest, late fees) are also excluded from reward point earning. Utility and insurance payments earn at a reduced rate of 1 point per ₹100 instead of the standard 3 points.

Yes, the card provides 1 complimentary domestic airport lounge visit per quarter, for a maximum of 4 visits per year. This benefit requires spending ₹75,000 in the previous calendar quarter to activate. There is no international lounge access with this card.

You must spend ₹75,000 or more in a calendar quarter to unlock 1 domestic airport lounge visit in the following quarter. The benefit applies only to the primary cardholder. Extra visits beyond the complimentary quota are charged at the lounge provider's standard rates.

Cardholders get 25% off up to ₹100 on the purchase of a minimum of 2 movie tickets at BookMyShow and INOX. This offer is available twice per month, giving a maximum saving of ₹200 per month on movie tickets.

Yes, a 1% fuel surcharge waiver applies on transactions between ₹400 and ₹4,000 at HPCL pumps specifically. This benefit is available to both the primary cardholder and the supplementary (Plus) cardholder. Only HPCL outlets are eligible, not all fuel stations.

Yes, the ICICI iShop portal offe₹6x to 12x reward points at select merchants when you shop through the portal. This significantly boosts the base earn rate of 3 points per ₹100 on retail purchases, making iShop the most rewarding way to spend on the Expressions card.

Points can be redeemed through the ICICI Bank Rewards portal for shopping vouchers, electronics, home appliances, health and beauty products, travel and luggage, and fashion and lifestyle items. You can also redeem through the iMobile app or internet banking.

Salaried applicants need a minimum monthly income of approximately ₹35,000 (₹4.2 lakh per year). Self-employed applicants require an annual income of around ₹5 lakh. A credit score of 750 or higher is typically expected for approval.

You must be an Indian citizen between 21 and 65 years of age to apply for the ICICI Bank Expressions Credit Card. This age range applies to both salaried and self-employed applicants.

The Expressions Credit Card is available on both Visa and Mastercard networks. Both variants carry the same reward points structure, lounge access, movie discounts, and fuel surcharge waiver benefits.

Yes, supplementary (Plus) cards cost ₹199 per year. Add-on cardholders earn reward points at the same rate and share the fuel surcharge waiver benefit at HPCL. All points from supplementary card transactions accumulate in the primary cardholder's account.

The finance charge is 3.75% per month, which works out to 45% per year. This applies to any outstanding balance carried past the payment due date. Paying the full statement balance by the due date each month avoids interest charges entirely.

Late fees range from ₹100 to ₹1,300 depending on your total outstanding amount. These apply when you do not pay at least the minimum amount by the statement due date.

Any purchase above ₹2,500 can be converted to EMI through the iMobile app or internet banking. Tenure options and interest rates depend on the transaction amount and your account standing. EMI conversions do not earn reward points.

The foreign currency markup is 3.5% on all international transactions. This is standard across most ICICI credit cards and comparable to entry-level cards from other banks. If international spending is a priority, dedicated travel cards with 1.5% to 2% markup offer better value.

The Expressions Credit Card does not list specific travel or accident insurance coverage in its feature set. For insurance benefits like air accident cover, higher-tier ICICI cards such as the Rubyx (up to ₹1 crore) or Sapphiro would be a better fit.

The card includes Counterfeit Card Liability protection against unauthorized usage and Account Takeover Cover for cases where personal information is accessed by a third party without consent. The embedded chip and PIN provide additional security against counterfeiting and duplication at merchant outlets.

The card design is selected during the application process. To change the design on an existing card, you would need to request a card replacement, which typically costs ₹100 to ₹200. Contact ICICI Bank customer care at 1800 1080 or raise a request through the iMobile app.

At ₹30,000 monthly spend (₹3.6 lakh per year), you earn roughly 10,800 base reward points annually. The ₹1.5 lakh waiver threshold is comfortably met by month 5, making the card effectively free. Quarterly spend of ₹90,000 also clears the ₹75,000 lounge access threshold. The card delivers fair value at this spend level, with personalization as the standout differentiator. For higher rewards or better lounge access, consider stepping up to the ICICI Rubyx.