ICICI Bank Expressions Credit Card

The ICICI Bank Expressions Credit Card is an introductory credit card from ICICI Bank. Its standout feature is the ability to personalize its design. You can select a design from ICICI Bank’s options or use your own image. This card is aimed at students and young professionals who value self-expression through their possessions, hence the name “Expressions.” The card has a modest annual membership fee of just Rs. 500, which can be waived by spending a minimum of Rs. 1.5 lakh in a year. Explore further to discover more about this basic offering from ICICI.

Key Highlights of ICICI Bank Expressions Credit Card

  • Earn PAYBACK Points: Receive up to 3 PAYBACK Points for every retail purchase, excluding fuel transactions.
  • Movie Discounts: Enjoy a 25% discount when purchasing 2 or more movie tickets twice a month.
  • Airport Lounge Access: Get complimentary access to a domestic airport lounge once every quarter.
  • Dining Privileges: Access exclusive dining offers and benefits through the ICICI Bank Culinary Treats program, enhancing your dining experiences.

Features and Benefits of ICICI Bank Expressions Credit Card

1. Reward Points:

  • Earn 3 PAYBACK Points for every Rs. 100 spent on retail purchases (excluding fuel).
  • Earn 1 PAYBACK Point for utility and insurance expenses.

2. Movie Offer:

  • Get up to Rs. 100 off when you purchase 2 movie tickets via BookMyShow. This offer can be used twice each month.

3. Dining Offers:

  • Enjoy up to a 20% discount on your dining bill at over 2,000 partner restaurants.

4. Fuel Surcharge Waiver:

  • No fuel surcharge on fuel transactions up to Rs. 4,000.

5. Annual Fee Reversal:

  • If your annual spending crosses Rs. 1.50 lakh, the annual fee will be waived.

6. Lounge Access:

  • Receive 1 free visit to a domestic lounge every quarter.

7. Visa Offers:

  • Access exclusive Visa offers that are regularly updated and available for your credit card.

ICICI Bank Expressions Credit Card Fees and Charges

1. Joining Fee:

  • Amount: Rs. 499 plus GST

2. Annual Fee:

  • Amount: Rs. 499 plus GST (waived off from the second year if annual spends are more than Rs. 1,50,000 per year)

3. Add-on Card Fee:

  • Amount: Rs. 199

4. Finance Charges:

  • Monthly Rate: 3.40%
  • Annual Rate: 40.80%

5. Cash Advance Fee:

  • Amount: 2.50% of the withdrawn amount or Rs. 300 (whichever is higher)

6. Dial-a-Draft Fee:

  • Amount: 3% of the draft value (minimum fee of Rs. 300)

7. Late Payment Charges:

  • Maximum: Rs. 750

8. Over-limit Charges:

  • Amount: 2.50% on the over-limit amount (minimum of Rs. 500)

9. Cheque-Return Fee:

  • Amount: 2% of the Total Amount Due or a minimum of Rs. 450 (whichever is higher)

10. Fee on Cash Payment at Branches:

  • Amount: Rs. 100 per payment transaction

11. Duplicate Statement Request:

  • Amount: Rs. 100

12. Card Replacement Fee:

  • Amount: Rs. 199

13. Cash or Cheque Pick-Up Fee:

  • Amount: Rs. 100 per Pick-Up

14. Charge Slip Request:

  • Amount: Rs. 100 per charge slip

15. Railway Booking Surcharge:

  • Online Payment: 1.80% of the transaction value
  • Other Bookings: 2.50% of the transaction value
  • Cost of railway tickets will be recovered along with additional charges and taxes levied by the acquiring bank, if any.

ICICI Bank Expressions Credit Card Eligibility

To obtain this card, applicants must satisfy specific eligibility conditions, including the following:

  1. Age Requirement: The applicant must be a minimum of 23 years old.
  2. Indian Residency: The applicant should be a resident of India.
  3. Good Credit Score: A favorable credit score is necessary for approval.

Documents Required for ICICI Bank Expressions Credit Card

1. Identity Proof:

  • Aadhaar card
  • Driving licence
  • Voter Id card

2. Residence Proof:

  • Aadhaar card
  • Utility bills
  • Passport

3. Income Verification:

  • Salary slips for the last three months
  • Form 16
  • Copy of Income Tax Returns (ITR)

How to apply for ICICI Bank Expressions Credit Card?

Here are the steps to apply for an ICICI Expressions credit card on Bajaj Markets:

  1. Visit the ‘Cards’ section on the Bajaj Markets website and click ‘Apply – Credit Card.’
  2. Complete the form with your information accurately.
  3. Explore the various offers for ICICI Expressions credit cards.
  4. Choose the offer that best suits your requirements.
  5. Submit the form along with the required documents.
  6. Your application will undergo processing, and the credit card will be delivered to your doorstep within a few days.

Frequently Asked Questions (FAQs)

1. What is ICICI Bank Expressions Credit Card?

ICICI Bank Expressions Credit Card is a unique credit card designed for individuals who appreciate personalized and artistic designs. It offers a range of benefits, including discounts on lifestyle and entertainment expenses.

2. How can I apply for an ICICI Bank Expressions Credit Card?

You can apply for the ICICI Bank Expressions Credit Card online through the official ICICI Bank website or by visiting the nearest ICICI Bank branch. The application process typically involves filling out an online form and providing necessary documents.

3. What are the key features of the ICICI Bank Expressions Credit Card?

The key features include personalized card designs, discounts on dining, shopping, and entertainment, reward points on every transaction, fuel surcharge waiver, and zero liability on lost cards.

4. Can I choose the design for my Expressions Credit Card?

Yes, the ICICI Bank Expressions Credit Card allows you to choose a design from a variety of options, including artwork, images, and themes that resonate with your preferences.

5. What benefits does the Expressions Credit Card offer for lifestyle and entertainment expenses?

Cardholders enjoy discounts on dining at partner restaurants, exclusive access to events and shows, and special offers on lifestyle products and services.

6. How does the reward points system work on the ICICI Bank Expressions Credit Card?

For every eligible transaction, you earn reward points, which can be redeemed for a variety of options such as gift vouchers, merchandise, and more. The redemption process may vary, and details can be found in the rewards catalog.

7. Is there an annual fee for the ICICI Bank Expressions Credit Card?

The annual fee and other charges associated with the Expressions Credit Card are mentioned in the terms and conditions. It’s advisable to check the latest fee structure before applying.

8. Can I get a supplementary card for family members with my Expressions Credit Card?

Yes, ICICI Bank allows cardholders to get supplementary cards for their family members. The usage and benefits of the supplementary card may be subject to certain conditions.

9. How can I check my ICICI Bank Expressions Credit Card statement online?

You can easily access your credit card statement through the ICICI Bank internet banking portal or mobile app. Statements are typically available for viewing and downloading.

10. What should I do if my ICICI Bank Expressions Credit Card is lost or stolen?

In case of loss or theft, immediately contact the ICICI Bank customer care helpline to report the incident. The bank will guide you through the process of blocking the card and issuing a replacement.