Cards / ICICI

Joining fee

Free

Annual fee

Free

Waiver spend

–

Forex markup

3.5%

Fee waiver

No annual fee, so nothing to waive.

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

• 5 points per ₹100 at grocery, department stores and CSD (1,000 points a month)
• 1 point per ₹100 on domestic spends

No rewards on insurance, international, rent, utilities, 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+

Indian Defence and Paramilitary personnel

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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