Personalized Design Card with Domestic Airport Lounge Perks
Users who appreciate customized card aesthetics, quarterly lounge access, and regular cinema ticket discounts.
₹499
One-time upfront₹499
Waived on ₹1.5 lakh annual spend3 Reward Points per Rs. 100 spent with the card (except fuel, utility and insurance spends), 2 Reward Points per Rs. 100 on utility payments
On eligible spends1 Domestic visits/quarter · ₹75k quarterly spend required
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The ICICI Bank Expressions Credit Card blends personalization with everyday lifestyle rewards. Cardholders can upload their own photograph or choose from a vast gallery of bespoke designs to create a truly personalized physical card. Under the hood, it functions as a dependable mid-tier lifestyle credit card, offering 3 ICICI Reward Points per ₹100 spent across all retail categories (excluding fuel). Entertainment benefits are solid: cardholders receive a 25% discount (up to ₹100 per ticket) on BookMyShow movie bookings twice per month. Additionally, the card provides 1 complimentary domestic airport lounge visit per calendar quarter, subject to meeting ICICI's standard spend criterion of ₹35,000 in the preceding calendar quarter. While the design personalization creates a distinctive psychological appeal, the core reward rate of 3 points per ₹100 converts to roughly 0.75% valueback (since 1 ICICI RP = ₹0.25), which is easily eclipsed by flat cashback cards like Amazon Pay ICICI or HDFC Millennia. The card also levies a standard 3.50% forex markup on international transactions. Nevertheless, for existing ICICI Bank customers who want a customized card in their wallet alongside reliable airport lounge privileges and cinema discounts, Expressions is a sensible pick that waives its ₹499 fee with ₹1.5 Lakhs annual spend.
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
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Retail Spends | 3 Reward Points per ₹100 spent (1 RP = ₹0.25) | No Cap | Standard terms apply |
| Utilities & Insurance | 1 Reward Point per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Retail Spends | ₹6,000 | 3 Reward Points per ₹100 spent (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Utilities & Insurance | ₹6,000 | 1 Reward Point per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹499 + GST; Annual Renewal Fee: ₹499 + GST. • Fee Waiver: Spend ₹1,50,000 or more in the preceding 12 months to waive the annual renewal fee. • Rewards: 3 ICICI Reward Points per ₹100 spent on all retail transactions (excluding fuel, wallet reloads, and government fees). • Valuation: 1 ICICI Reward Point = ₹0.25 for redemption on reward catalog or voucher portals. • Domestic Airport Lounge: 1 complimentary visit per calendar quarter upon spending ₹35,000 in the previous calendar quarter. • Movie Benefit: 25% discount (up to ₹100) on purchase of minimum two tickets on BookMyShow, twice per month. • Fuel Surcharge: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 at HPCL pumps.
Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding ICICI Bank Expressions Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official ICICI Bank portal with paperless verification.
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