Cards / ICICI

Joining fee

₹20,000

Annual fee

₹20,000

Waiver spend

₹25,00,000

Forex markup

1.49%

Fee waiver

Spend ₹25,00,000 in a card year and the next annual fee is waived. Spends on education, rent do not count.

That is about ₹2,08,333 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

• 2.5% back as reward points on international spends
• 2% back as reward points on utilities, insurance and education (capped)
• 2% back as reward points on domestic spends

No rewards on fuel, rent, wallet loads.

Airport lounges

• Domestic: Unlimited visits
• International: Unlimited visits

Unlimited domestic lounge access for primary and add-on cardholders; unlimited international via Priority Pass for the primary cardholder

Points

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

Who can apply

• Age 21+
• Salaried: income of ₹24,00,000 a year or more
• Self-employed: income of ₹24,00,000 a year or more

Salaried: ₹2,00,000 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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