ICICI Bank Expressions Credit Card Review

General Information

Our Rating: 7.6/10

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Best For: Shopping

Rewards and Benefits

Type of Rewards: Reward Points

Welcome Offers: N/A

Entertainment and Dining: 25% discount (up to Rs. 100) on movie ticket bookings on BookMyShow on booking a minimum of 2 tickets in a single transaction. Offer can be availed maximum twice in a month.

Shopping Perks: 3 Reward Points per Rs. 100 spent with the card (except fuel, utility and insurance spends), 2 Reward Points per Rs. 100 on utility payments

Travel Benefits: Complimentary domestic lounge access

Domestic Lounge Access: 1 complimentary access to domestic airport lounges per quarter.

International Lounge Access: N/A

Golf Benefits: N/A

Insurance Coverage: N/A

Fees and Charges

Waiver on Spend: The renewal fee is waived off on expenditure of Rs. 1.5 lakh in the previous year.

Redemption Fee: Rs. 99 (plus applicable taxes) per redemption request

Foreign Transaction Fee: 3.5

Interest Rate: 3.40% p.m. (or 40.8% annually)

Fuel Surcharge Waiver: 1% fuel surcharge waived off at HPCL filling station across India on transactions of not more than Rs. 4,000

Cash Advance Fee: 2.50% of the withdrawn amount, subject to a minimum charge of Rs. 300

Summary

You have the option to customize the design and appearance of your credit card to make it unique according to your preferences. You can select from the available designs on the bank’s website or even choose to have your own personal picture on your credit card. With this card, you will earn 3 Reward Points for every Rs. 100 spent, except for fuel, utilities, and insurance expenses. For utility and insurance expenses, you will earn 1 Reward Point. You can enjoy a 25% discount (up to Rs. 100) on movie tickets on BookMyShow twice a month, with a minimum purchase of 2 tickets in a single transaction. Additionally, you will receive one complimentary domestic airport lounge access per quarter. As part of the ICICI Bank Culinary Treats Program, you will have access to exclusive dining offers.

The ICICI Bank Expressions Credit Card is a shopping-focused credit card that offers a range of benefits and rewards for users.

The card comes with a joining fee of Rs. 500 + GST and a renewal fee of Rs. 500 + GST.

For those who love shopping, this card is an ideal choice as it offers 3 Reward Points for every Rs. 100 spent on shopping, excluding fuel, utility, and insurance spends.

Additionally, utility payments earn users 2 Reward Points per Rs. 100 spent.

When it comes to entertainment, cardholders can enjoy a 25% discount, up to Rs. 100, on movie ticket bookings made on BookMyShow.

To avail of this offer, a minimum of 2 tickets must be booked in a single transaction.

This benefit can be availed a maximum of twice in a month.

Cardholders also receive complimentary domestic lounge access, allowing them to relax and unwind while waiting for their flights.

Furthermore, users are entitled to one complimentary access to domestic airport lounges per quarter.

While the card does not offer specific benefits for international lounges or golf, it does provide a spend-based waiver for the renewal fee.

If a user spends Rs. 1.5 lakh in the previous year, the renewal fee is waived off.

The rewards redemption fee for this card is Rs. 99 (plus applicable taxes) per redemption request.

Additionally, the card has a foreign currency markup of 3.50% and an interest rate of 3.40% per month (or 40.8% annually).

Fuel surcharge is also waived off, with 1% fuel surcharge waived at HPCL filling stations across India for transactions of not more than Rs. 4,000.

For cash advances, there is a charge of 2.50% of the withdrawn amount, subject to a minimum charge of Rs. 300.

In conclusion, the ICICI Bank Expressions Credit Card is a solid choice for those who enjoy shopping and want to earn reward points.

With benefits like movie discounts, domestic lounge access, and a spend-based renewal fee waiver, this card offers value for money.

However, potential cardholders should be aware of the rewards redemption fee and the foreign currency markup.