What is the annual fee of the ICICI Expressions Credit Card?

Rs 499 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.

Does the ICICI Expressions Credit Card give airport lounge access?

Yes. In India: 1 per quarter. Outside India: none listed. Conditions: Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.

What is the forex markup on the ICICI Expressions Credit Card?

3.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the ICICI Expressions Credit Card?

No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.

M16S / ICICI Bank / ICICI Expressions Credit Card

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ICICI Expressions Credit Card

ICICI BankLast checked 11 Oct 2026

The ICICI Expressions Credit Card costs Rs 499 a year, waived if you spend Rs 1,50,000 in a year. Its base return is 0.75% (3 RP per Rs 100 retail). Accelerated earn: None; utility and insurance earn 1 RP per Rs 100. The forex markup is 3.5%. Lounge visits in India: 1 per quarter. Read from the issuer's documents and an aggregator on 11 Oct 2026.

Annual fee: Rs 499+ GST
Fee waived at: Rs 1,50,000annual spend
Base return: 0.75%
Forex markup: 3.5%
Interest: 3.75%a month

Apply on icici.bank.inOpens the bank’s own page.

What changed on this card

6 Nov 2026 · takes effect 11 Dec 2026 CutICICI cards lose air accident cover and INOX, fees rise, Dec 2026
From 15 December 2026, ICICI Bank ends air accident cover on 7 cards, CFAR cover on 4 and the INOX benefit on 9. Card replacement goes to Rs 300 plus GST from 11 December.

Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.

Fees

Joining fee	Rs 499
Annual fee	Rs 499
Annual spend that waives the fee	Rs 1,50,000
Fee notes	Card replacement Rs 199. Add-on Rs 199. Custom card design (175+ templates or own image).

Rewards

Reward currency	ICICI Bank Reward Points
Base earn	3 RP per Rs 100 retail
Base returnunverified	0.75%
Point valueunverified	Rs 0.25 per point (Card Insider)
Accelerated earn	None; utility and insurance earn 1 RP per Rs 100
Caps	Per statement cycle, points accrue only on the first Rs 40,000 of utility spend, Rs 40,000 of insurance spend, Rs 20,000 of grocery spend and (from 1 Feb 2026) Rs 10,000 of transportation spend.
Spends that earn nothing	No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.
Points expiry	3 years from issuance
Reward notes	Rs 0.25 per point is from Card Insider, not the issuer. Redemption handling fee Rs 99 + GST per request (Rs 25 for partner-brand online/in-store redemptions) per MITC. base_return_pct = 3/100 x Rs 0.25 = 0.75%.

Travel and perks

Domestic lounge	1 per quarter
International lounge	None
Lounge conditions	Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.
Forex markup	3.5%
Fuel surcharge waiver	1% on Rs 400-4,000 fuel txns at HPCL pumps
Other freebies	BookMyShow and INOX 25% off up to Rs 100, twice a month (BookMyShow offer needs Rs 25,000 spend in the preceding quarter (from 1 Apr 2026); each add-on card must qualify separately)

Charges and eligibility

Interest per month	3.75%
Late payment fee	Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000)
Cash advance fee	2.5% min Rs 500
Eligibility	Age 21-65; income criteria not stated on page
Fine-print notes	Forex markup taken from MITC standard rate (not on product page). Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts.

Questions

What is the annual fee of the ICICI Expressions Credit Card?: Rs 499 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
Does the ICICI Expressions Credit Card give airport lounge access?: Yes. In India: 1 per quarter. Outside India: none listed. Conditions: Spend of Rs 75,000 in the preceding calendar quarter unlocks access for the next quarter (rent, government, education, EMI spends excluded). Primary cardholder only. Rs 2 authorisation at entry.
What is the forex markup on the ICICI Expressions Credit Card?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the ICICI Expressions Credit Card?: No points on fuel, rent (MCC 6513), e-wallet loads, cash; EMI and fees excluded. Government payments treated as utility.