ICICI Bank Mine Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Please select one plan according to your needs. Enjoy saving up to 5% on your expenses. Receive complimentary access to domestic airport and railway lounges. Get the monthly membership fee waived based on your spending. Benefit from exclusive offers on groceries, travel, food, fashion, and E-marketplace.

The ICICI Bank Mine Credit Card offers different plans catering to various needs.

With no joining fee and a minimal monthly fee of Rs. 49 for the Pro plan and Rs. 149 for the Premium plan, it provides affordability and flexibility.

This credit card is particularly well-suited for dining enthusiasts, offering reward points as the reward type.

Unfortunately, there is no specific welcome benefit or movie dining perks.

However, it compensates with a 1% cashback on all retail spends and an enticing 5% cashback on exclusive partner brands for shopping lovers.

For travel benefits, the Pro and Premium plans provide complimentary domestic airport and railway lounge access each month.

Moreover, under these plans, users can enjoy a discount of 7% on hotel bookings (up to Rs. 5,000 discount) and 4% off on flight bookings (up to Rs. 600 discount).

Customers with the Premium Plan are entitled to one complimentary visit to the domestic lounge per month.

Unfortunately, there are no international lounge or golf benefits, and insurance benefits are also not included.

The Pro and Premium plans offer a spend-based waiver, allowing users to potentially avoid the renewal fee.

For the Pro Plan, spending a minimum of Rs. 10,000 per month can waive the fee, while the Premium Plan requires a minimum spend of Rs. 20,000.

When it comes to rewards redemption, there is a fee of Rs. 99 per redemption request.

For international transactions, there is a foreign currency markup of 3.5%.

Regarding interest rates, the ICICI Mine Credit Card charges 3.4% per month (40.80% per annum).

However, there is a 1% waiver on fuel surcharge for all transactions at HPCL petrol pumps.

Cash advances with this credit card come at a rate of 3.4% per month (40.80% per annum).

In summary, the ICICI Bank Mine Credit Card offers affordable plans with suitable benefits for dining and shopping.

It provides a range of travel perks, and the spend-based waiver feature can be advantageous for users.

However, it lacks certain benefits like international lounges, golf, and insurance coverage.