Cards / ICICI

Joining fee

₹500

Annual fee

₹500

Waiver spend

₹1,50,000

Forex markup

3.5%

Fee waiver

Spend ₹1,50,000 in a card year and the next annual fee is waived. Spends on education, rent do not count.

That is about ₹12,500 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

• 4% cashback on fuel at HPCL pumps (plus 1% surcharge waiver)
• No rewards on fuel outside HPCL
• 20 points per ₹100 on utilities, groceries and department stores (400 points a cycle)
• 2 points per ₹100 on insurance
• 2 points per ₹100 on other retail spends

No rewards on rent, wallet loads.

Airport lounges

• Domestic: 1 visit a quarter

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

Points

ICICI Bank Reward Points, worth about ₹0.25 each on the usual redemption. Expire after 3 years.

Who can apply

• Age 21 to 65
• Salaried: income of ₹2,40,000 a year or more
• Self-employed: income of ₹2,40,000 a year or more

Salaried: ₹20,000 a month

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.

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