Annual fee₹500+ GST
Forex markup3.5%
Interest3.75%a month
NetworkVisa / Mastercard / RuPay
You earn
Perks & rules
What changed
1 Feb 2026Points on transport spends capped at ₹10,000 a statement cycle
Worth it?
We can't estimate this card yet.ICICI doesn't state a ₹ value per point.
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asICICI Bank Reward Points
Base rate2 points per ₹100 on retail spends
Higher rates
- Utilities and insurance: 1 point per ₹100 on utilities and insurance
Limits
- Points earned per statement cycle only on up to ₹40,000 utilities, ₹40,000 insurance, ₹20,000 grocery & department store spend
- Transport: points on up to ₹10,000 a statement cycle
Doesn't earn on
- Cash, rent, wallet reloads and fuel earn no points
- EMI, fees and charges earn no points
Where it landsCredited to your rewards account within 5 working days
What a point is worth
ValueNot stated by ICICI in the documents read
ExpiryPoints lapse when the card is cancelled; other expiry not stated
Redemption fee₹99 + GST per redemption
Welcome benefit
WelcomeNone stated
Milestones
Milestones
- 2,000 points at ₹2 lakh yearly spend, then 1,000 per extra ₹1 lakh (max 10,000 a year)
Airport lounges
Domestic1 visit a quarter if you spent ₹75,000 in the previous quarter
InternationalNone
Fuel
Fuel1% surcharge waiver on ₹400–₹4,000 at HPCL
Spending abroad
Forex markup3.5%
Fees
Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverSpend ₹1.5 lakh in the anniversary year; that year's fee is reversed at year-end (excludes EMI, rent, government, education)
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil under ₹100)
Interest3.75% a month (45% a year)
Cash withdrawal2.5%, minimum ₹500
Who can apply
AgeOver 21
SalariedMonthly income ₹20,000
Self-employedAnnual income ₹2.4 lakh
More perks
Perks
- 4 railway lounge visits a year
- 25% off up to ₹100 on movie tickets (BookMyShow twice a month after ₹25,000 spend in the previous quarter; INOX twice a month)
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Coral product page Product page · 2 Oct 2026
- ICICI Bank Credit Card MITC Fee schedule · 2 Aug 2026
- ICICI Bank Credit Card Terms & Conditions General T&C · 4 Apr 2026
Card image: ICICI Bank's own website.
