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Key Features of ICICI Bank Expressions Credit Card

  • Personalization Options:
    • One of the standout features of the ICICI Bank Expressions Credit Card is its personalization capability. Cardholders can choose from a gallery of over 175 unique designs curated by ICICI Bank, covering themes such as sports, adventure, travel, music, food, fashion, nature, wildlife, and zodiac signs. This allows users to select a design that resonates with their personality or interests, making the card a reflection of their individuality.
    • Alternatively, cardholders can upload their own high-resolution image—such as a personal photograph, a cherished memory, or a creative design—to be printed on the card. The uploaded image must adhere to ICICI Bank’s guidelines, ensuring it is free from trademarks, copyrighted material, or inappropriate content. The image size should be between 100 KB and 10 MB for optimal printing quality. This customization feature adds a personal touch, transforming the credit card into a unique accessory.
    • Replacement with Same Design: In case of loss or damage, cardholders can request a replacement card with the same personalized design, ensuring continuity of their chosen aesthetic. A nominal fee of ₹199 plus applicable taxes is charged for this service. Cardholders can also change the image by placing a replacement request through ICICI Bank’s customer care or website.
ICICI Expressions Credit Card
      • Reward Points Program: The ICICI Bank Expressions Credit Card offers a robust rewards program that incentivizes spending. Cardholders earn 3 ICICI Bank Reward Points for every ₹100 spent on retail purchases, excluding fuel, utilities, and insurance transactions. For utility bill payments and insurance premiums, 1 Reward Point is awarded per ₹100 spent. These points are valid for 36 months from the date of issuance. Points can be redeemed through ICICI Bank’s Rewards Program for shopping vouchers, travel and movie tickets, lifestyle products, mobile phones, appliances, or even to offset the card’s outstanding balance. Redemption is seamless via the iMobile app or ICICI Bank’s net banking portal, with a handling fee of ₹99 per transaction. Each reward point is valued at ₹0.25. For example, 2,880 points can translate to approximately ₹1,020 in savings.
      • Entertainment Benefits: Cardholders receive a 25% discount, up to ₹100, on the purchase of a minimum of two movie tickets per transaction through BookMyShow. This offer can be availed twice a month, allowing annual savings of up to ₹2,400. Limited daily ticket allocation applies, encouraging prompt booking.
        Exclusive Visa Offers: As a Visa-powered card, users also access entertainment and lifestyle offers from Visa’s global network. These include discounts at luxury hotels, restaurants, spas, e-commerce platforms, and even on concert tickets or curated travel packages.
      • Travel Benefits:
      • Complimentary Airport Lounge Access: Travelers can elevate their airport experience with one complimentary domestic airport lounge access per quarter. To unlock this benefit, cardholders must spend a minimum of Rs. 75,000 in the preceding calendar quarter. The lounge access includes amenities such as gourmet meals, comfortable seating, free Wi-Fi, widescreen TVs, and beverage services, providing a relaxing environment before flights. This feature is exclusive to primary cardholders and is available at participating lounges across India, making it a valuable perk for frequent flyers.
      • Visa Travel Privileges: Exclusive global discounts on hotels, resorts, and travel services.
      • Dining Privileges:
      • Culinary Treats Programme: The ICICI Bank Culinary Treats Programme enhances the dining experience by offering up to 20% off on dining bills at over 2,000 partner restaurants across India. This includes popular chains like TGI Fridays, Mainland China, Pizza Hut, and Café Coffee Day, as well as local fine-dining establishments. The discounts apply to a variety of cuisines, making it easy for cardholders to explore new dining options while saving money. This feature is particularly valuable for food lovers who frequently dine out or host gatherings, as it combines convenience with cost savings.
      • Seamless Dining Experience:To avail of the dining discounts, cardholders simply need to use their ICICI Bank Expressions Credit Card for payment at participating restaurants. The programme is designed to be user-friendly, with no additional registration required. The savings are automatically applied to the bill, ensuring a hassle-free experience. This feature encourages cardholders to indulge in culinary delights without worrying about overspending, making it a practical benefit for social and professional outings.
      • Fuel Benefits: The ICICI Bank Expressions Credit Card offers a 1% fuel surcharge waiver on transactions up to Rs. 4,000 at HPCL fuel pumps. This benefit is automatically applied when the card is used at HPCL outlets, helping cardholders save on fuel expenses. Given the rising fuel costs, this feature is particularly useful for those who commute regularly or undertake frequent road trips, adding a practical dimension to the card’s offerings.
      • Security Features:
      • EMV Chip: Advanced protection against counterfeiting and fraud.
      • Contactless Payments: Tap-and-pay for secure, fast checkouts at compatible POS terminals.
      • Zero Liability: Protection from unauthorized transactions if promptly reported.
      • Financial Flexibility: Convert purchases above ₹1,500 into EMIs for tenors ranging from 3 to 24 months. Avail loan against card up to ₹20 lakh with flexible repayment via iMobile/net banking. Multiple bill payment options: auto-debit, UPI, and net banking supported.
      • Fee Structure:
      • Nominal Joining and Annual Fees:The card comes with a joining fee of Rs. 499 plus GST, payable upon registration. An annual fee of Rs. 499 plus GST is applicable from the second year onward but is waived if the cardholder spends more than Rs. 1.50 lakh in the previous year. This fee structure is affordable for an entry-level card, especially considering the potential for fee reversal through regular usage. Upon joining, cardholders receive BookMyShow vouchers worth Rs. 500, adding immediate value.
      • Annual Fee Reversal Incentive: The annual fee waiver incentivizes active card usage, encouraging cardholders to use the card for their regular expenses. Spending Rs. 1.50 lakh annually is achievable for those who use the card for monthly bills, shopping, and dining, making it possible to enjoy the card’s benefits without incurring additional costs. This feature aligns with the card’s target audience of young professionals and students who seek value-driven financial products.
      • Foreign Transaction Fee: 3.5% on international spends.
      • Replacement with Same Design:
      • Lost or damaged cards can be reissued with the same custom design at ₹199 + taxes.
      • Card image can be changed anytime via customer care or ICICI website.
      • Reward Points Program:
      • Earning Points: 3 Reward Points per ₹100 on retail spends (excluding fuel, insurance, and utilities). 1 point per ₹100 on utility and insurance spends. Points valid for 36 months.
      • Redemption: Redeem via iMobile/net banking for vouchers, gadgets, travel, and more. 1 point = ₹0.25. ₹99 handling fee per redemption.
      • Movie and Entertainment Benefits:
      • Discount on Movie Tickets: Movie enthusiasts can enjoy significant savings with the ICICI Bank Expressions Credit Card. Cardholders receive a 25% discount, up to Rs. 100, on the purchase of a minimum of two movie tickets per transaction through BookMyShow. This offer can be availed twice a month, allowing for potential annual savings of up to Rs. 2,400. The discount is available on a first-come, first-serve basis due to a limited daily ticket allocation, encouraging prompt booking. This feature is ideal for frequent moviegoers, particularly students and young professionals who enjoy regular cinema outings.
      • Exclusive Visa Offers: As a Visa-powered card, the ICICI Bank Expressions Credit Card unlocks a range of entertainment and lifestyle offers from Visa’s global network. Cardholders can access discounts at luxury hotels, restaurants, lifestyle stores, spas, and e-commerce platforms, both in India and abroad. These offers are regularly updated, ensuring fresh opportunities to save on premium experiences. For instance, cardholders can enjoy exclusive deals on concert tickets, cultural events, or curated travel packages, adding a layer of excitement to their spending.
      • Additional Privileges:
      • Visa-Powered Global Acceptance: As a Visa card, the ICICI Bank Expressions Credit Card is accepted at millions of merchants worldwide, ensuring seamless transactions during international travel or online shopping. The card’s global acceptance, combined with Visa’s exclusive offers, enhances its utility for cardholders who frequently shop or travel abroad.
      • Auto-Pay for Bill Payments: To maintain a good credit score and avoid late payment fees, cardholders can enable the auto-pay feature, which automatically deducts the credit card bill from their linked ICICI Bank account on the due date. This feature simplifies bill management and ensures timely payments, particularly for those with busy schedules.
Expressions Credit Card Rewards

Benefits of ICICI Bank Expressions Credit Card

  • 1. Personalization Benefits:
    • Custom Card Design: Choose from 175+ gallery designs or upload your own image to create a card that reflects your personality.
    • Design Retention: Replacement cards maintain the same custom design for continuity.
    • Image Guidelines: Uploaded images must be between 100KB-10MB, free from copyrighted content, and comply with bank policies.
  • 2. Reward Points Program:
    • Earning Rate: 3 points per ₹100 on retail spends, 1 point per ₹100 on utilities/insurance.
    • Redemption Options: Exchange points for vouchers (Amazon, Flipkart), travel benefits, or cashback.
    • Point Validity: Reward points remain valid for 36 months from issuance.
    • Lifestyle & Entertainment: Movie Discounts: 25% off (max ₹100) on BookMyShow tickets twice monthly. Dining Offers: 15-20% discount at 2,100+ restaurants nationwide.
    • Visa Privileges: Exclusive deals on hotels, spas, and lifestyle brands.
    • Travel Advantages: 1 free domestic lounge visit per quarter upon spending ₹75,000 in the previous quarter. Complimentary access to premium lounges with amenities like Wi-Fi, beverages, and meals.
    • Visa-powered travel privileges including discounts on hotels, vacation packages, and rentals.
    • Financial Features: EMI conversion facility available on transactions of ₹3,000 or more (excluding fuel, cash, and jewelry). Loan against credit card option up to ₹20 lakh with quick disbursal and flexible tenure.
    • Annual fee of ₹499 + GST waived on annual retail spends of ₹1.5 lakh or more.
    • Security & Convenience: Enhanced security with embedded EMV chip and PIN-based authentication. Contactless tap-and-pay support for quick and secure transactions at POS terminals.
    • Zero liability on fraudulent charges reported promptly.
    • Supplementary Cards: Issue up to 3 add-on cards for family members aged 18 and above. Shared credit limit and consolidated statements for simplified management.
    • Add-on users enjoy the same benefits including rewards, offers, and lounge access.
    • Customer Support: 24/7 customer service via phone, chat, and email. Instant blocking and reissuance support in case of lost/stolen cards.
    • Dispute resolution for unauthorized or fraudulent transactions.
    • Reward Points Program: Earn 3 Reward Points per ₹100 spent on retail (excluding fuel, utilities, insurance). Earn 1 Reward Point per ₹100 spent on utility bills and insurance payments.
    • Redeem points for merchandise, travel, vouchers, and more via iMobile or online portal.
    • Dining & Culinary Benefits: Minimum 15% discount at 2,100+ restaurants under the Culinary Treats Programme. Additional dining discounts through Visa partner restaurants.
    • Updated partner list and offers available on the ICICI website.
    • Entertainment & Movie Discounts: 25% discount (up to ₹100) on a minimum of 2 BookMyShow tickets, twice a month. INOX: Up to ₹100 off twice a month on movie tickets booked through INOX platform.
    • Offers subject to availability and operate on first-come-first-serve basis.
    • Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL pumps via ICICI swipe machines. Reduces overall travel costs for frequent drivers.
    • Additional Perks: Visa lifestyle deals on spas, wellness centers, and premium shopping. Card valid for 4 years with auto-renewal before expiry for uninterrupted usage.
    • Accessible loan and EMI facilities via iMobile Pay or ICICI website.
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How to Apply for ICICI Bank Expressions Credit Card

  • Option 1: Online Application
    The online process is convenient, fast, and offers real-time tracking. Follow these steps:
    • Step 1: Visit ICICI Bank Website or iMobile App
      Go to www.icicibank.com or use the iMobile Pay app (available on iOS and Android).
    • Step 2: Navigate to Credit Cards Section
      On the website, go to "Cards & Loans" > "Credit Cards".
      In the iMobile app, go to "Cards & Forex" > "Credit Cards".
    • Step 3: Select Expressions Credit Card
      Browse available cards and click "ICICI Bank Expressions Credit Card".
      Review features, fees (₹499 + GST joining, ₹499 + GST annual), and benefits.
      Click "Apply Now" or "Get Started".
    • Step 4: Fill in the Application Form
      Provide personal details (name, DOB, gender, PAN, Aadhaar), contact details, occupation, income, employer/business info, and addresses.
    • Step 5: Upload Documents
      Upload scanned copies/photos of identity proof, address proof, income proof, and a photograph.
      Acceptable formats: PDF, JPG, PNG. File size: 2-5 MB.
    • Step 6: Customize Your Card
      Choose from 175+ gallery designs or upload your own image (100KB-10MB).
      Ensure the image complies with bank guidelines (no copyrighted/trademarked content).
    • Step 7: Complete Video KYC (if prompted)
      Follow instructions to join a live video call for KYC using original ID/address proof and a stable internet connection.
    • Step 8: Submit Application
      Review and submit. You'll receive an Application Reference Number via SMS/email.
    • Step 9: Approval & Delivery
      Approval takes 7-14 working days (instant for pre-approved).
      Card delivered to your registered address within 5-7 working days.
      Digital card may be issued via iMobile app for immediate use.
    • Step 10: Activate the Card
      Use the iMobile app, net banking, or call 1800-1080 to activate.
  • Option 2: Offline Application
    Prefer in-person assistance? Follow this offline process:
    • Step 1: Visit ICICI Bank Branch
      Locate the nearest branch via ICICI's website and bring original and self-attested copies of required documents.
    • Step 2: Request Application Form
      Ask a representative for the Expressions Credit Card form or download and fill it beforehand.
    • Step 3: Fill the Form
      Provide personal, employment, and address details.
      Affix a recent passport-size photo.
    • Step 4: Choose Card Design
      Select from available gallery designs at the branch (custom images can be uploaded later online).
    • Step 5: Submit Documents
      Submit the filled form along with ID, address, and income proofs. Originals may be verified on-site.
    • Step 6: Verification Process
      The bank may perform tele-verification or physical verification (home/office visit).
    • Step 7: Approval & Card Delivery
      Upon approval, the card is dispatched to your address within 7-10 working days.

Eligibility Criteria for ICICI Bank Expressions Credit Card

  • Age Requirements:
    • Primary Cardholder: Must be between 23 and 65 years of age.
    • Add-on Cardholder: Must be 18 years or older (applicable for family members).
  • Income Requirements:
    • Salaried Individuals:
      • Minimum monthly income: ₹25,000 for ICICI Bank customers
      • Minimum monthly income: ₹30,000 for non-ICICI Bank customers
      • Annual Income: ₹3 lakh for existing ICICI Bank customers
    • Self-Employed Individuals:
      • Minimum annual income: ₹3.6 lakh for ICICI Bank customers
      • Minimum annual income: ₹4.8 lakh for non-ICICI Bank customers
  • Credit Score: A credit score of 700 or above (CIBIL, Experian, or Equifax) is preferred. Applicants with no credit history may be considered based on banking relationship.
  • Residency: Must be a resident of India with a valid residential address. NRIs are not eligible unless they maintain resident status.
  • Employment Status:
    • Salaried: Must be employed with a stable income source (minimum 1 year employment).
    • Self-Employed: Must have a registered business or profession with verifiable income.
  • Documentation:
    • PAN Card (mandatory)
    • Address proof (Aadhaar, Passport, utility bill)
    • Income proof (salary slips, bank statements, or ITR)
  • Existing Relationship with ICICI Bank (Optional): Customers with existing savings accounts, loans, or fixed deposits may have relaxed criteria or receive pre-approved offers.
  • Credit Behavior: Applicants should not have a history of frequent loan defaults, high credit utilization, or multiple recent credit inquiries.
  • Secured Card Option: Those not meeting income/credit score criteria can opt for a secured card against a Fixed Deposit (minimum ₹20,000).
  • Card Customization Preference: Applicants must choose a design from the Expressions Gallery or upload a custom image as per ICICI Bank's image guidelines.
  • Phone Number & Email: A valid mobile number and email ID are mandatory for communication, verification, and online transactions.
  • Digital Onboarding Readiness: Applicants should have access to digital platforms (e.g., ICICI website/app) for e-KYC, video verification, or digital documentation.
  • KYC Compliance: Applicant must be fully KYC-compliant per RBI guidelines (Know Your Customer norms).
  • Location Eligibility: The card is typically issued in cities or areas where ICICI Bank offers credit card services. Rural or semi-urban applicants may have limited access.
  • Permanent Account Number (PAN): PAN is mandatory for credit card issuance, tax tracking, and reporting purposes under Income Tax laws.
  • Photograph Requirement: A recent passport-size photograph may be required at the time of application or verification.
  • No Outstanding ICICI Dues: Applicants should not have any pending dues or delinquent accounts with ICICI Bank.
  • Mobile Banking Registration: Enabling mobile banking (iMobile Pay) may be necessary for accessing card features and managing rewards.
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Documents Required for ICICI Bank Expressions Credit Card

  • Identity Proof (Any one):
    • PAN Card (mandatory for all applicants)
    • Aadhaar Card
    • Passport
    • Driving License
    • Voter's ID
  • Address Proof (Any one):
    • Aadhaar Card
    • Passport
    • Utility Bills (electricity, gas, or telephone - not older than 3 months)
    • Bank Statement or Passbook (with address, not older than 3 months)
    • Rental Agreement (registered with government authority)
  • Income Proof:
    • For Salaried Individuals (any one):
      • Latest 3 months' Salary Slips
      • 6 months' Bank Statements showing salary credits
      • Form 16 (latest, issued by employer)
    • For Self-Employed Individuals (any one):
      • Latest ITR with income computation (last 1-2 years)
      • 6 months' Bank Statements (business or personal)
      • Audited Financial Statements (if applicable)
  • Photograph:
    • One recent passport-sized color photograph
    • Required for offline applications; optional for online if uploaded digitally
  • Additional Documents (If Applicable):
    • For add-on cards: ID proof of add-on cardholder
    • For secured cards: Fixed Deposit details
    • For existing ICICI customers: Customer ID proof

Key Factors for the ICICI Bank Expressions Credit Card

  • Income Level:
    • Salaried: ₹25,000-₹30,000 monthly income
    • Self-Employed: ₹3.6-₹4.8 lakh annual income
    • Higher income improves approval chances and credit limit
  • Credit Score and Credit History:
    • Preferred credit score: 700+ (CIBIL, Experian, Equifax)
    • Clean repayment history with no defaults
    • Low credit utilization ratio (below 30%)
  • Employment Stability:
    • Minimum 1 year with current employer (salaried)
    • 2+ years in business (self-employed)
    • Stable income source
  • Existing Relationship with ICICI Bank:
    • Existing customers may get pre-approved offers
    • Good banking history improves approval odds
    • Salary account holders may have relaxed criteria
  • Documentation Accuracy:
    • All documents must be valid and current
    • Information should match across all documents
    • Clear, legible copies required
  • Card Customization:
    • Uploaded images must comply with bank guidelines
    • File size between 100KB-10MB
    • No copyrighted/trademarked content
  • Application Completeness:
    • All required fields filled accurately
    • No missing documents
    • Correct contact information for verification

Frequently Asked Questions (FAQs)

What is the ICICI Bank Expressions Credit Card?
It is a lifestyle-focused credit card offering rewards on shopping, dining, entertainment, and more. It also comes with features like contactless payments and discounts on popular brands.
What are the key benefits of this card?
Earn reward points on every spend.
Discounts on movie tickets, dining, and online shopping.
Fuel surcharge waiver at select petrol pumps.
Contactless payment feature for faster transactions.
How can I apply for the ICICI Expressions Credit Card?
You can apply online via the ICICI Bank website or mobile app, or visit an ICICI Bank branch.
Is there an annual fee for this card?
Yes, the card may have an annual fee, but it is often waived off if you meet certain spending criteria (check the latest terms).
What is the reward point system for this card?
You earn X reward points per ₹100 spent (varies by category). Points can be redeemed for vouchers, flight miles, or statement credits.
Does the ICICI Expressions Credit Card offer any dining benefits?
Yes, you get discounts at partner restaurants and may also earn extra reward points on dining spends.
Is there a fuel surcharge waiver?
Yes, you get a 1% fuel surcharge waiver at designated petrol pumps (terms apply).
What is the credit limit for this card?
The limit is determined based on your income, credit score, and repayment history.
How can I redeem my reward points?
Points can be redeemed via iMobile Pay app, Internet Banking, or customer care for vouchers, cashback, or other rewards.
Does this card offer any movie ticket discounts?
Yes, you may get buy-one-get-one-free (BOGO) offers or discounts on movie bookings via platforms like BookMyShow.

List of ICICI Bank Expressions Credit Card Branches in Bangalore

  • Bangalore Urban (RT Nagar)
  • Bangalore Urban (Sahakara Nagar)
  • Bangalore Urban (Yelahanka New Town)
  • Bangalore Urban (HSR Layout Sector 1)
  • Bangalore Urban (BTM Layout)
  • Bangalore Urban (Electronic City Phase 1)
  • Bangalore Urban (Whitefield)
  • Bangalore Urban (Marathahalli)
  • Bangalore Urban (Kanakapura Road)
  • Bangalore Urban (Bannerghatta Road)
  • Bangalore Urban (Mysore Road)
  • Bangalore Urban (Kengeri)
  • Bangalore Urban (Hebbal)
  • Bangalore Urban (CV Raman Nagar)
  • Bangalore Urban (Vidyaranyapura)
  • Bangalore Urban (Yeshwanthpur)
  • Bangalore Urban (Peenya)
  • Bangalore Urban (Dasarahalli)
  • Bangalore Urban (Uttarahalli)
  • Bangalore Urban (Sarjapur Road)