Cards / ICICI

Joining fee

₹12,499

Annual fee

₹12,499

Waiver spend

₹10,00,000

Forex markup

2%

Fee waiver

Spend ₹10,00,000 in a card year and the next annual fee is waived. Spends on education, rent do not count.

That is about ₹83,333 a month.

Work out what you still need to spend

Recent changes

• 15 January 2026Worse for you

  New fees: 2% on online gaming, 1% on wallet loads of Rs 5,000 or more, and 1% on transport spends above Rs 50,000.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 6 points per ₹200 on grocery (capped)
• 6 points per ₹200 on utilities (capped)
• 6 points per ₹200 on education (capped)
• 6 points per ₹200 on insurance (capped)
• 6 points per ₹200 on retail spends

No rewards on fuel, rent, wallet loads.

Airport lounges

• Domestic: Unlimited visits
• International: Unlimited visits

Unlimited domestic and international (Priority Pass) lounge access for primary and add-on cardholders

Points

ICICI Bank Reward Points, worth about ₹0.4 each on the usual redemption. Expire after 3 years.

Who can apply

• Age 21 to 65

By invitation only, through your ICICI Bank Relationship Manager

Published minimums. Approval is the bank's decision.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

More from ICICI