Monepoint
TravelFuelAirport Lounge

ICICI Bank

ICICI Bank Expressions Credit Card

A cheap card whose hook is a custom card image, but it quietly earns more on retail than Coral does — 3 points per ₹100 against Coral's 2 — for a lower fee.

Joining fee
₹499
Annual fee
₹499
Status
Open
Verified
21 August 2026
ICICI Bank Expressions Credit Card

Fees

Joining fee
₹499
Annual fee
₹499
Fee waiver
Waived above ₹1,50,000 annual spend
Forex markup
3.5%
Monthly finance charge
3.75%

Rewards

reward points

  • everything-else: 1.2%Retail spends
  • utilities, insurance: 0.4%

Points redeem at ₹0.40 each against a statement, up to ₹1 against ICICI's catalogue.

Travel

Domestic lounge
1/quarter
Forex markup
3.5%

Eligibility

Minimum age
21 years

Why this card may suit you

  • The annual fee is waived once you spend 1,50,000 in a year.
  • It includes airport lounge access, useful if you travel by air a few times a year.

Source & Verification

Verified from official issuer sources. Last verified 21 August 2026

View issuer page ↗

Related cards

TravelICICI Bank Coral Credit Card

ICICI Bank Coral Credit Card

ICICI Bank

An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge