ICICI Bank Expression Credit Card

Card Details

Choose from our extensive gallery of custom designs to personalise your card.

Get complimentary BookMyShow vouchers worth ₹ 500 as joining gift.

Get second year fee waived off if you spend more than ₹ 1.5 Lacs  in the previous year.

Earn 3 PAYBACK Reward points per ₹ 100 spent for all retail purchases except fuel.

Enjoy ₹ 100 discount on up to 2 movie tickets per month at www.bookmyshow.com on first-come-first-serve basis. You can avail this discount twice every month and save ₹ 2,400 each year!

1 complimentary domestic airport lounge visit per quarter. Unrestricted chargeable access for yourself and your accompanying guests.

Minimum 15% savings on dining at over 2,100 restaurants courtesy our Culinary Treats programme.

Get great offers from  VISA Privileges such as luxury hotels, restaurants, lifestyle stores, spas and more.

Get complete waiver of 1% on fuel surcharge every time you refuel at HPCL pumps. The offer is valid on a maximum spend of ₹ 4,000 per transaction at HPCL pumps.


  • Complimentary Lounge Access
  • Fuel Surcharge Waiver
  • Annual Fee Waiver
  • Joining Benefits


  • Low on Rewards
  • Fuel Surcharge Waiver Limited to 1% per transaction.

Fee Details

Annual Fee: Rs. 499

First Year Fee: Rs. 499

Add-on Card Fee: 

Overdue Charges on Extended Credit: 3.4% per month or 40.80% per annum.

Cash Advance Charges: 3.4% per month or 40.80% per annum.

Cash Advance fee (at ATMs): 2.5% on advanced amount, subject to a minimum of Rs. 300.

Reward Redemption fee: Rs. 99 per request on Catalogue based redemptions and Rs. 25 per request on Online/In-store redemptions at PAYBACK Online Partner Brands.

Late Payment fee: Nil for less than Rs. 100; Rs. 100 for Rs. 100 to Rs. 500; Rs.500 for Rs. 500 to Rs.10,000; Rs.750 for Above Rs. 10,000

Overlimit Charges: 2.5% on the overlimit amount, subject to a Min of Rs. 500

Card Replacement Fee: Rs. 100

Foreign Currency Mark-up: 3.50%

Railway Surcharge: 1.8% on online booking through irctc.co.in and 2.5% on booking through railway counters.

Fuel Surcharge: 2.5% of transaction value or Rs. 10 whichever is higher

Grace Period: 18 to 48 days

Min Amount Payable: 5% of the outstanding amount, subject to Min Rs.100

Reward Programme

Earn 3 PAYBACK Reward points per ₹ 100 spent for all retail purchases except fuel.

Reward rate: Rs. 0.75 per Rs. 100 spend

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