Cards / ICICI

Joining fee

₹3,000

Annual fee

₹2,000

Waiver spend

₹3,00,000

Forex markup

3.5%

Fee waiver

Spend ₹3,00,000 in a card year and the next annual fee is waived. Spends on education, rent do not count.

That is about ₹25,000 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 points per ₹100 on international spends
• 1 point per ₹100 on utilities and government payments
• 1 point per ₹100 on insurance
• 2 points per ₹100 on grocery and department stores
• 2 points per ₹100 on domestic spends

No rewards on fuel, rent, wallet loads.

Airport lounges

• Domestic: 2 visits a quarter

Domestic airport lounge needs ₹75,000 spend in the previous quarter, primary cardholder only. Also 8 railway lounge visits a year (2 a quarter).

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

Salaried: ₹75,000 a month

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.

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