ICICI Bank Expressions Credit Card

Annual feeJoining fee

₹499 + GST

Fee waiver rule

Fee waived if you spend ₹1.5 lakh.

Add-on card fee

₹199.₹199 annual fee for a supplementary, add-on or Plus card (w.e.f. Nov 15, 2024)

Reward rate

3 points per ₹100 · everyday spends3 points per ₹100 on retail spend; 1 point per ₹100 on utility and insurance spend.

Domestic lounge access

Spend ₹75,000 or more on Expressions Credit Card in a calendar quarter to avail lounge access in the following calendar quarter.

Fuel surcharge waiver

Cardholders can avail of a 1% fuel surcharge waiver on all fuel transactions worth ₹400 – ₹4,000 at HPCL pumps.

Surcharge on railway tickets

1.80% of transaction value for Internet transactions and 2.50% for other bookings. For cards on American Express network: 1.80% of transaction value or ₹10 whichever is higher

Insurance benefit

Counterfeit Card Liability and Account Takeover Cover available.

Forex markup

3.5% on foreign currency transactions.3.50% mark-up on foreign currency transactions

Dynamic currency conversion markup

3.5%3.5% Dynamic Currency Conversion fee on all transactions conducted in Indian currency at international locations or transactions carried out in Indian currency at merchants located in India but registered in a foreign nation (Charges w.e.f. Jan 15, 2026)

Cash advance fee

2.5% on advanced amount, subject to minimum of ₹500

Interest on unpaid balance

3.75% interest per month

Interest-free period

18 to 48 days interest-free when you pay in full.

Late payment fee

₹100 to ₹1,300, depending on outstanding amount.

Over-limit fee

2.50% on the over-limit amount subject to a minimum of ₹550. Over-limit facility for customer induced transactions will be provided only basis explicit consent from customer as per regulatory guideline

Payment return or dishonour fee

Return of cheque: 2% of Total Amount Due, Min. ₹500; Auto-Debit return fee: 2% of Total Amount Due, Min. ₹500; in addition ₹50+GST will be debited from customer saving bank account. In case customer paid partial payment against Total Amount Due (TAD) then fee will be calculated on Total Amount Due (TAD) minus payment if applicable

Card replacement fee

₹200 for all cards with effect from July 1, 2024. Exception: ₹3500 for Emeralde Private Metal Credit Card and Times Black ICICI Bank Credit Card; ₹5000 for 1838 Reserve ICICI Bank Credit Card

Cash payment / cash deposit fee

A fee of ₹150 per payment transaction w.e.f. Jan 15, 2026 on cash deposited at any of the branches of ICICI Bank towards the Card payment

Education / school fee charge

A fee of 1% of the transaction amount for education payments made through third-party apps (w.e.f. Nov 15, 2024)

EMI conversion fee

Processing fee of 2.99%, capped at a maximum of ₹299 + 18% GST on all Instant EMI transactions with effect from Sep 01, 2025; processing fee of up to 2% of the transaction value on all EMI on Call transactions

Fee on online skill-based gaming spends

A fee of 2% of the transaction amount for skill-based gaming transactions (w.e.f. Jan 15, 2026)

Wallet load charge

A fee of 1% of the transaction amount for wallet load transactions of ₹5,000 or more (w.e.f. Jan 15, 2026)

Fuel transaction fee

A fee of 1% of the transaction amount for fuel transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024)

Rent transaction fee

1% fee on transaction amount (Merchant Category Code: 6513)

Utility transaction fee

A fee of 1% of the transaction amount for utility payment transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024)

GST note

GST may be applicable from time-to-time; presently the GST rate for banking and financial services is at 18% applicable on all fees, interest, surcharge and other charges

Grace days after the due date

3 days after the payment due date.

Age the primary cardholder must be

Indian citizen over 21 years of age.

Minimum age

An Indian citizen over 21 years of age.