← Part of ICICI Credit Cards in India
The ICICI Bank Expressions Credit Card allows cardholders to personalize their card design from over 175 options, a unique feature for an entry-level card. As of February 2026, ICICI Bank maintains a significant market presence with over 1.89 crore active credit cards in India (Source: Card Insider).
| Parameter | Details |
|---|---|
| Card Type | Entry-level Credit Card |
| Unique Feature | Customizable card design (choose from 175+ options or upload own picture) |
| Target Audience | New credit users, individuals seeking personalized card designs |
| Eligibility (Primary Cardholder) | Resident of India, minimum age 23 years, good credit score, clean credit record |
| Eligibility (Add-on Cardholder) | Minimum age 18 years |
| Minimum Annual Income (Self-employed) | ₹3 lakh (as per last IT returns) |
| Application Mode | Online (ICICI Bank website, iMobile app), or any ICICI Bank branch |
| Documents Required | Proofs of identity, residence, and income |
| Reward Points Earning | 3 PAYBACK Points per ₹100 on retail purchases (excluding petrol) |
| Reward Points (Utilities & Insurance) | 1 PAYBACK Point per ₹100 spent |
| Movie Offer (2026) | ₹100 off on 2 movie tickets monthly via BookMyShow (on spending ₹25,000 in preceding quarter) |
| Lounge Access | Complimentary airport lounge access (domestic airports) |
| Dining Benefits | 15% or more discount at 2,500+ restaurants across India (ICICI Bank Culinary Treats programme) |
| Fuel Surcharge Waiver | 1% waiver on fuel surcharge (max spend ₹4,000 per transaction at HPCL pumps) |
| Foreign Currency Mark-up Fee | 3.50% |
| Interest Rate (Finance Charge) | Up to 3.75% per month (varies by card variant and usage) |
This card offers a blend of personalization and practical benefits, making IT an attractive option for managing daily expenses and enjoying lifestyle perks.
Expressions Card: Features & Benefits
The ICICI Bank Expressions Credit Card allows personalization with over 175 designs, offering 3 reward points for every ₹100 spent across all categories. Cardholders can also access complimentary airport lounges and discounted movie tickets by meeting quarterly spend criteria of ₹25,000.
| Feature | Details | Key Benefit |
|---|---|---|
| Personalized Card Design | Choose from 175+ designs or upload a personal photograph for your card. | Unique card that reflects individual style and preferences. |
| Reward Points on Spends | Earn 3 reward points for every ₹100 spent across all categories, including utility and insurance. | Quick accumulation of points redeemable for vouchers, products, or against outstanding balance. |
| Complimentary Airport Lounge Access | Enjoy access to domestic airport lounges. Requires spending ₹25,000 in the preceding quarter for eligibility in the next. | d travel comfort at participating Indian airports. |
| Discounted Movie Tickets | Eligible for complimentary movie/event tickets via BookMyShow. Requires ₹25,000 spend in the preceding quarter. | Savings on entertainment expenses. For example, spend between Dec 26, 2025 and Mar 25, 2026 for benefits from Apr 01, 2026 to June 30, 2026. |
| Dining Discounts | Get 15% or more discount at over 2,500 restaurants across 12+ Indian cities through the Culinary Treats programme. | Significant savings on dining out experiences. |
| Fuel Surcharge Waiver | Receive a 1% waiver on fuel surcharge. Applicable on maximum spends of ₹4,000 per transaction at HPCL pumps. | Cost savings on fuel purchases. |
| Milestone Rewards | The card offers additional rewards upon reaching specific spending targets. | Incentives for consistent card usage and spending. |
| Low Joining and Annual Fee | The card is designed with an affordable joining and annual fee structure. | Accessible entry-level credit card with valuable benefits. |
| Entry-Level Card | Positioned as an entry-level credit card by ICICI Bank. | Ideal for individuals new to credit, helping establish a credit history. |
| Foreign Currency Mark-up Fee | A foreign currency mark-up fee of 3.50% is applied to international transactions. | Important detail for planning international purchases and travel. |
The ICICI Bank Expressions Credit Card combines personalization with practical benefits, making IT a suitable choice for daily spending and those new to credit.
Expressions Card: Fees & Charges 2026
The ICICI Bank Expressions Credit Card has a joining fee of ₹499 plus GST, with the same amount charged as an annual fee from the second year onwards. Cardholders also incur a foreign currency mark-up fee of 3.50% on international transactions.
| Metric | Value (Rs.) | Source |
|---|---|---|
| Joining Fee | ₹499 + GST | ICICI Bank (as of 2026) |
| Annual Fee (from 2nd year) | ₹499 + GST | ICICI Bank (as of 2026) |
| Foreign Currency Mark-up Fee | 3.50% | ICICI Bank (as of 2026) |
| Interest Rate (Finance Charge) | Up to 3.75% per month | ICICI Bank (as of 2026) |
| Transportation Transaction Fee (above ₹50,000) | 1% | ICICI Bank (effective January 2026) |
| Online Gaming Transaction Fee | 2% | ICICI Bank (effective January 2026) |
| Wallet Loading Fee (above ₹5,000) | 1% | ICICI Bank (effective January 2026) |
| Dynamic Currency Conversion (DCC) Fee (Amazon Pay ICICI Card) | 1.99% | ICICI Bank (effective January 2026) |
| Dynamic Currency Conversion (DCC) Fee (Times Black Card) | 1.49% | ICICI Bank (effective January 2026) |
| Dynamic Currency Conversion (DCC) Fee (MakeMyTrip Travel Card) | 0.99% | ICICI Bank (effective January 2026) |
| Dynamic Currency Conversion (DCC) Fee (Emeralde series cards) | 2.00% | ICICI Bank (effective January 2026) |
| Fuel Surcharge Waiver | 1% (on max ₹4,000 per transaction at HPCL) | ICICI Bank (as of 2026) |
| GST | 18% (on banking products/services) | Government of India (effective July 1, 2017) |
These fees are standard for entry-level credit cards in India, with specific charges like the foreign currency mark-up applying to international usage.
How to Apply for Expressions Card
Applying for the ICICI Bank Expressions Credit Card in 2026 is a straightforward process, available through online and offline channels. Applicants must meet specific eligibility criteria, including being an Indian resident aged 21 to 65 years.
A good credit score and a clean credit record are for approval, along with submitting required identity, residence, and income proofs.
- Online Application Portal: Visit the official ICICI Bank website (icicibank.com) or use the iMobile app. The online application process typically takes 10-15 minutes to complete.
- Document Submission: Upload digital copies of your PAN card, Aadhaar card, and recent salary slips or IT returns. Ensure all documents are clear and legible for quick verification.
- Branch Visit: Alternatively, visit any ICICI Bank branch to apply in person. A bank representative will assist you with the application form and document submission.
- Eligibility Check: Confirm you meet the minimum age of 21 years and have a stable income source. Self-employed individuals need a minimum annual income of ₹3 lakh, as per their last IT returns.
- Credit Score Requirement: Maintain a good credit score, generally above 750, to improve your approval chances. A strong credit history demonstrates responsible financial behavior.
- Application Tracking: After submission, you can track your application status online using the reference number provided. ICICI Bank typically processes applications within 7-10 business days.
- Card Personalization: During the application, you can choose from over 175 designs or upload your own image for card personalization. This unique feature is a key benefit of the Expressions Card.
- Card Activation: Upon receiving your card, activate IT through net banking, the iMobile app, or by calling customer care. Activation is required before making your first transaction.
The application process is designed for convenience, offering both digital and physical options to suit individual preferences.
Expressions Card: Eligibility Criteria
To apply for the ICICI Bank Expressions Credit Card in 2026, applicants must be Indian residents aged between 21 and 65 years. A strong credit score and a clean credit record are for approval, reflecting responsible financial behavior.
The table below outlines the specific eligibility requirements for the ICICI Bank Expressions Credit Card.
- Residency: Applicants must be residents of India.
- Age: The primary cardholder must be at least 21 years old and not older than 65 years.
- Add-on Cardholder Age: Individuals as young as 18 years can be issued an add-on card.
- Credit Score: A good credit score is a mandatory requirement for approval.
- Credit History: Applicants must maintain a clean credit record with no defaults.
- Minimum Annual Income: Self-employed individuals need a minimum annual income of ₹3 lakh, as per their latest Income Tax Returns.
- Documents Required: documents include proofs of identity, residence, and income.
Meeting these criteria helps ensure a smoother application process for the ICICI Bank Expressions Credit Card.
Expressions Card Vs. SBI SimplySave
The ICICI Bank Expressions Credit Card is an entry-level card offering personalization and specific benefits, while the SBI SimplySave Credit Card focuses on accelerated rewards across daily spending categories. As of 2026, the Expressions Card provides complimentary domestic lounge access, a feature not explicitly ed for the SimplySave Card.
| Feature | Expressions Card | SBI SimplySave Card |
|---|---|---|
| Card Type | Entry-level credit card, customizable design | Entry-level credit card |
| Personalization | Customizable card design (choose from 175+ designs or use own picture) | Not offered |
| Reward Points | 3 points per ₹100 spent across all categories | Accelerated rewards on grocery, departmental store, dining, and movies |
| Lounge Access | Complimentary domestic airport lounge access | Not explicitly mentioned |
| Movie Offers | Discounted movie tickets (spend ₹25,000 in preceding quarter for offer in next quarter, starting April 1, 2026) | Accelerated rewards on movies |
| Dining Benefits | 15% or more discount at 2,500+ restaurants under Culinary Treats programme | Accelerated rewards on dining |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver (max spend ₹4,000 per transaction at HPCL pumps) | 1% fuel surcharge waiver |
| Foreign Currency Mark-up Fee | 3.50% | Not explicitly mentioned |
The Expressions Card caters to users seeking personalized aesthetics and travel perks like lounge access, while the SimplySave Card targets everyday spending with category-specific reward boosts.
Expressions Card: Reward Points & Redemption
The ICICI Bank Expressions Credit Card offers 3 reward points for every ₹100 spent across all categories, making IT suitable for daily expenses. These points can be redeemed for shopping vouchers, products, or against the card’s outstanding balance.
- Reward Earning Rate: Cardholders earn 3 reward points for every ₹100 spent on domestic and international transactions. This rate applies uniformly across most spending categories.
- Redemption Options: Accumulated reward points can be redeemed through ICICI Bank’s customer care for various options. These include shopping vouchers, a selection of products from their catalog, or as a credit against the card’s outstanding balance.
- Milestone Rewards: The card includes milestone rewards, though specific details on spend thresholds and associated benefits require verification with ICICI Bank’s official channels as of 2026.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is available on transactions up to ₹4,000 at HPCL petrol pumps. This benefit helps reduce costs on regular fuel purchases.
- Movie Ticket Offer: To avail complimentary movie/event tickets via BookMyShow, cardholders must spend ₹25,000 or more in the preceding quarter. For example, spending ₹25,000 between December 26, 2025, and March 25, 2026, qualifies for the movie offer between April 1, 2026, and June 30, 2026.
The Expressions Credit Card provides a straightforward reward structure for everyday spending, complemented by specific lifestyle benefits.
Important Changes for Expressions Card 2026
ICICI Bank has updated several terms for its Expressions Credit Card, effective for 2026. A key change involves the eligibility criteria for complimentary movie/event tickets, now tied to quarterly spending thresholds.
These adjustments aim to align card benefits with usage patterns and the overall cardholder experience.
- Movie/Event Ticket Offer: To qualify for complimentary movie/event tickets via BookMyShow, cardholders must spend ₹25,000 or more on their Expressions Credit Card within the preceding calendar quarter. This benefit becomes available in the subsequent quarter.
- Spending Period Example: Spending ₹25,000 between December 26, 2025, and March 25, 2026, makes you eligible for the movie offer from April 1, 2026, to June 30, 2026.
- Foreign Currency Mark-up Fee: The foreign currency mark-up fee remains at 3.50% for transactions made in foreign currencies.
- New Card Issuance Fee: For the ICICI Bank Emeralde Metal Credit Card, a one-time fee of ₹3,500 applies to all new and add-on cards issued on or after January 15, 2026.
- IMPS Transaction Charges: Effective February 15, 2026, SBI will charge ₹6 plus GST for IMPS transactions exceeding ₹1 lakh and up to ₹2 lakh. While not directly an Expressions Card change, this impacts interbank transfers.
- GST on Banking Services: An 18% GST continues to apply to all banking products and services, including those related to the Expressions Credit Card, as applicable from July 1, 2017.
Cardholders should review these updated terms to maximize their benefits and avoid unexpected charges in 2026.
Key Takeaways
- Complimentary movie tickets now require a minimum spend of ₹25,000 per quarter on the Expressions Credit Card.
- The foreign currency mark-up fee for Expressions Credit Card remains at 3.50% for international transactions.
- New fee structures, like the ₹3,500 one-time fee for Emeralde Metal Credit Cards, are effective from January 15, 2026.
For detailed terms and conditions, visit the official ICICI Bank website or contact customer care.
Frequently Asked Questions (FAQs)
What are the main benefits of the ICICI Bank Expressions Credit Card in 2026?
The ICICI Bank Expressions Credit Card offers personalization, allowing you to choose your card’s design. Key benefits include complimentary airport lounge access, reward points on all spends, milestone rewards, and a fuel surcharge waiver. You earn 3 reward points per ₹100 spent across all categories, making IT suitable for daily expenses.
What is the movie ticket offer on the ICICI Bank Expressions Credit Card for 2026?
As of April 1, 2026, you can get complimentary movie tickets with BookMyShow by spending ₹25,000 or more on your Expressions Credit Card in the preceding calendar quarter. For example, spending ₹25,000 between March 26 and June 25, 2026, qualifies you for the movie offer between July 1 and September 30, 2026.
What are the fees and charges for the ICICI Bank Expressions Credit Card in 2026?
The ICICI Bank Expressions Credit Card comes with a low joining and annual fee, though specific amounts should be verified with ICICI Bank directly. A foreign currency mark-up fee of 3.50% applies to international transactions. Always check the latest fee schedule on the ICICI Bank website.
Can I customize the design of my ICICI Bank Expressions Credit Card?
Yes, the ICICI Bank Expressions Credit Card’s unique feature is its customizable design. You can select from pre-approved designs on the ICICI Bank website or even use your own picture for a personalized card. This allows you to match the card’s appearance to your personal style.
What is the reward points structure for the ICICI Bank Expressions Credit Card?
The ICICI Bank Expressions Credit Card offers 3 reward points for every ₹100 spent across all categories. This consistent reward rate applies to everyday expenses, including utility and insurance payments, which often do not earn rewards on other entry-level cards. These points can be redeemed for various benefits.
Is the ICICI Bank Expressions Credit Card suitable for new credit users?
Yes, the ICICI Bank Expressions Credit Card is positioned as an entry-level card, making IT well-suited for individuals new to credit. Its straightforward reward structure and customizable design offer an accessible way to begin building a credit history. The card provides a base reward rate on most spends.
Does the ICICI Bank Expressions Credit Card offer airport lounge access?
Yes, the ICICI Bank Expressions Credit Card provides complimentary airport lounge access. This benefit travel experiences for cardholders. Specific lounge access terms and conditions, including the number of visits per year, should be confirmed with ICICI Bank.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.