ICICI Bank Expressions Credit Card
Joining Fee: ₹500 + GST
Renewal Fee: ₹500 + GST
Reward Type: Reward Points
Rewards Program
Regular Spending: Earn 3 Reward Points for every Rs. 100 spent on all categories except fuel, utilities, and insurance.
Utility & Insurance Payments: Earn 1 Reward Point for every Rs. 100 spent on utility bills and insurance premiums.
Redemption Options: Redeem Reward Points for shopping vouchers, gift cards, products, or to offset your card’s outstanding balance. The conversion rate is 1 Reward Point = Re. 0.25.
Milestone Benefits
Annual Fee Waiver: Get the annual renewal fee of Rs. 500 Movie & Dining Benefits
Discount on Movie Tickets: Get a 25% discount (up to Rs. 100) on booking a minimum of 2 movie tickets in a single transaction on BookMyShow. This offer is available twice a month.
Dining Offers: Access exclusive dining discounts at partner restaurants under the ICICI Bank Culinary Treats Program. waived if you spend Rs. 1.5 lakh in the previous year.
Travel Benefits
Complimentary Lounge Access: Enjoy 1 free domestic airport lounge access per quarter through the Visa domestic lounge program. This benefit is available with a minimum quarterly spend of Rs. 5,000.
Summary
The ICICI Bank Expressions Credit Card is a customizable credit card with a rewards program offering 3 points per Rs. 100 on regular spending and 1 point on utility and insurance payments. The card also includes a milestone benefit for an annual fee waiver, complimentary domestic airport lounge access, and discounts on movies and dining. The card is especially suitable for first-time cardholders who value aesthetics and additional perks like lounge access and movie discounts.