Cards / ICICI

Joining fee

₹1,000

Annual fee

₹1,000

Waiver spend

–

Forex markup

3.5%

Fee waiver

No spend-based waiver listed by the bank.

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

• 1 Skywards Mile per ₹100 on retail spends

No rewards on education, fuel, insurance, rent, utilities, wallet loads.

Airport lounges

• Domestic: 1 visit a quarter

Domestic airport lounge needs ₹75,000 spend in the previous quarter, primary cardholder only

Points

Emirates Skywards Miles, worth about ₹0.5 each on the usual redemption. Expire after 3 years.

Who can apply

• Age 21+
• Salaried: income of ₹9,00,000 a year or more
• Self-employed: income of ₹9,00,000 a year or more

Salaried: ₹75,000 a month. Not open to new applications.

Published minimums. Approval is the bank's decision.

Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.

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

More from ICICI