ICICI Bank Expression Credit Card
Fees
₹499 + Taxes
Joining & annual
Reward Rate
3 PAYBACK Points per ₹100 on all categories; 1 point per ₹100 on utility & insurance
Welcome Bonus
Welcome benefits vary by current offer
Lounge
Domestic (₹75K Qtr Spend)
Our Expert Take
The ICICI Bank Expression Credit Card from ICICI Bank offers Custom Image Card Face Design with an annual fee of ₹499 + Taxes.
Pros & Cons
Key Advantages
- Customizable card design from 175+ options across Zodiac, Sports & Travel themes
- 3 PAYBACK Points per ₹100 spent on all categories
- Low ₹499 fee with an easily reachable ₹1.5 Lakh waiver threshold
- Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)
Limitations
- Lounge access requires ₹75,000 spend in the preceding quarter
- Reduced 1 point per ₹100 on utility and insurance spends
- Card design customization is the main differentiator, not rewards value
Key Perks & Spending Milestones
3 PAYBACK Points per ₹100 on all categories; 1 point per ₹100 on utility & insurance
Customizable card design from 175+ options across Zodiac, Sports & Travel themes
Domestic lounge access conditional on ₹75,000 spend in the preceding quarter
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Spend milestone
Annual fee waived on ₹1.5 Lakh annual retail spends
Fees & Charges
Joining fee
₹499 + Taxes
Annual fee
₹499 + Taxes
Annual fee waived on ₹1.5 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on ICICI Expression?
What makes ICICI Expression different from other ICICI cards?
How does lounge access work on Expression?
Compare ICICI Bank Expression Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| ICICI Bank Expression Credit Card This Card | ₹499 + Taxes | 3 PAYBACK Points per ₹100 on all categories; 1 point per ₹100 on... | Domestic (₹75K Qtr Spend) | 4.2/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |