Summary
ICICI Bank Expressions Credit Card is an innovative and fashionable credit card, which lets the customers personalize its look by uploading an image of their preference. It best suits people who desire to express their personality while availing more than one benefit.
One of the strongest points of this card is its reward points system, where card members get 2 reward points for every ₹100 spent on purchases. The points can be exchanged for several alternatives including gift vouchers for merchandise, among others. The card is also provided with a 1% fuel surcharge rebate at all petrol outlets in India and will be favorable for regular travelers.
For foodies, there is a 15% discount offered at listed restaurants under the Culinary Treats Program by ICICI Expressions Credit Card. This entitles cardmembers to good eating at reduced rates. Entertainment reward also includes a discount on movies and other lifestyle buys, so cardmembers stand to gain added value.
Introduction
ICICI Bank Expressions Credit Card is a premium card that has been specifically designed for customers who prefer to make their credit cards unique. ICICI Expressions Credit Card does not only give you the options of a common credit card but also lets you choose from a wide variety of designs you prefer and have your custom card made accordingly.
You can also put your favorite design or photo on the card so that your credit card becomes more unique and appealing. This aspect is ideal for people who desire to give their cards a distinct and personal impression. Besides this, the card also gives you a chance to become a member of the rewards program, where you earn reward points on your spending and use them to obtain fantastic gifts later.
With ICICI Expressions Credit Card, you also get a variety of exclusive benefits such as airport lounge access, fuel surcharge waiver, and other special discounts. Apart from this, every purchase made with ICICI Expressions Credit Card gives you additional security, including services like fraud protection and emergency assistance.
In today’s article, we will discuss in detail about ICICI Expressions Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of ICICI Expressions Credit Card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not face any problems later.
What is the ICICI Bank Expressions Credit Card?
The credit card is an exclusive kind of credit card in which you can personalize your card. This implies that you can select a design or a picture of your preference on your credit card, and this will make the ICICI Bank Expressions credit card as per your personality. With the ICICI Expressions credit card, you get many benefits like reward points, cashback, and exclusive discounts.
Apart from this, ICICI Expressions credit card also offers great deals on shopping, travel,l, and other expenses. The Expressions credit card is ideal for those who not only want to avail the facilities but also want a unique and personalized credit card.
How is the ICICI Bank Expressions Credit Card designed?
The ICICI Expressions Credit Card is so made that it allows you to customize its appearance with a photo of your own choice. You can choose any of the large number of pre-designed photos or even upload your photo to make the card stand out.
Besides its trendy appearance, the card provides perks such as reward points on each expenditure, waiver of fuel surcharge, and special dining discounts. It is suitable for people who desire a personalized credit card with lifestyle enhancements.
What are the benefits of the ICICI Bank Expressions Credit Card?
The ICICI Expressions Credit Card offers a few perks, namely:
- Custom Design – You may personalize your card using your choice of image.
- Reward Points – Get 2 reward points for each ₹100 spent on retail transactions.
- Fuel Surcharge Waiver – Avail a 1% fuel surcharge waiver at all petrol pumps across India.
- Dining Discounts – Get up to 15% discount at allied restaurants with ICICI Bank’s Culinary Treats Program.
- Entertainment Offers – Receive exclusive discounts on cinema tickets and lifestyle buys.
What are the fees for the ICICI Bank Expressions Credit Card?
Here is a simple ICICI Expressions Credit Card fee breakup.
| Joining Fee | ₹499 + GST (one-time fee when you get the card). |
| Annual Fee | ₹499 = GST per year. This will be waived if you spend 1,30,000 or more in a year. |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an ICICI Bank Expressions Credit Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the ICICI Bank Expressions Credit Card.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 2 lakhs usually does the job.
- A secured income ensures regular, timely payments on the credit card bill. Any amount above it increases the probability of approval.
- Your credit score plays a role in the selection process. It is a tendency for ICICI Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an ICICI Bank Expressions Credit Card?
The documents that you will have to submit to Get a ICICI Expressions Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the ICICI Bank Expressions Credit Card be used?
Here is the list of places where you can use it:
- With the ICICI Expressions Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your ICICI Expressions Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The ICICI Expressions Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the ICICI Bank Expressions Credit Card?
The credit amount you can spend is what you are provided with an ICICI Expressions Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an ICICI Bank Expressions Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the ICICI Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by ICICI Bank; for instance, you can choose the ICICI Expressions Credit Card.
- Just hover your cursor on the ICICI Bank Expressions Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest ICICI Bank branch to apply for the ICICI Expressions Credit Card.
- Request for the credit card application form for the ICICI Expressions Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the ICICI Expressions Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the ICICI Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an ICICI Bank Expressions Credit Card in 2025 be right?
Yes, getting an ICICI Bank Expressions Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
ICICI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
ICICI Bank Expressions Credit Card is a great choice for those who not only want financial convenience but also like to personalize their credit card. ICICI Bank Expressions Credit Card gives you the benefit of great rewards and cashback on everyday purchases, travel, and shopping. In addition, its personalization feature makes it even more special, allowing you to choose the design or photo of your choice on your card.
With ICICI Expressions Credit Card, ICICI Bank has not only offered the usual features of a credit card but has also allowed turning it into a personalized experience. ICICI Expressions Credit Card not only meets your financial needs but also adds a special identity to your lifestyle. Along with this, you also get features like additional security and fraud protection, which keeps your transactions safe.
Frequently Asked Questions (FAQ’s)
Ans: Yes, ICICI Expressions Credit Card has various security features such as fraud protection, OTP (Time Password) for transactions done online, and card-blocking facilities to ensure your transactions are safe.
Ans: Credit Card is accepted for both online and offline transactions at any merchant establishment in India and outside India wherever MasterCard, Visa or RuPay cards are acceptable.
Ans: The reward points accrued by you can be redeemed into products, vouchers, or travel facilities from ICICI Bank’s rewards list. You can do it using the website or mobile application of the bank.
Ans: ICICI Expressions Credit Card is open to all individuals who qualify with a minimum income and good credit score. The applicant should be 18 years or older.
Ans: Yes, the waiver of fuel surcharge is on ICICI Expressions Credit Card. Using an ICICI Bank Expressions Credit Card at the petrol pump makes the surcharge, though it is with a limited maximum.
