ICICI Bank Expressions Credit Card ICICI Bank ka ek entry-level credit card hai, jo un users ke liye design kiya gaya hai jo ek affordable card ke saath personalized look bhi chahte hain. Is card ki sabse badi khasiyat yeh hai ki aap apni pasand ki image ya ICICI Bank ki available designs me se kisi ek ko choose karke card ko customize kar sakte hain.
Card ki annual fee ₹500 + GST hai, jise card anniversary year me ₹1.5 lakh ya usse zyada spend karne par waive bhi karaya ja sakta hai. Iske saath cardholders ko ICICI Reward Points, BookMyShow movie offers, ICICI Bank Culinary Treats Programme ke dining discounts aur doosre everyday benefits bhi milte hain.
Agar aap ek personalized design, basic rewards aur lifestyle benefits ke saath entry-level credit card dhoondh rahe hain, to ICICI Bank Expressions Credit Card ek accha option ho sakta hai.
Aage is review me hum ICICI Bank Expressions Credit Card ke Reward Points, features, fees, eligibility, pros aur cons ko detail me samjhenge, taaki aap aasani se decide kar saken ki yeh card aapki spending aur lifestyle needs ke hisaab se sahi choice hai ya nahi.
ICICI Bank Expressions Credit Card
Rewards and Benefits
›25% discount (up to Rs. 100) on movie ticket bookings on BookMyShow on booking a minimum of 2 tickets in a single transaction. Offer can be availed maximum twice in a month.
The earned Reward Points can be redeemed against gifts or the card’s outstanding balance at a rate of 1 Reward Point = Rs. 0.25.
1 complimentary access to domestic airport lounges per quarter.
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3 Reward Points per Rs. 100 spent with the card (except fuel, utility and insurance spends), 2 Reward Points per Rs. 100 on utility payments
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Fees & Charges
›The renewal fee is waived off on expenditure of Rs. 1.5 lakh in the previous year.
3.40% p.m. (or 40.8% annually)
Rs. 99 (plus applicable taxes) per redemption request
1% fuel surcharge waived off at HPCL filling station across India on transactions of not more than Rs. 4,000
3.50% of the conversion amount
2.50% of the withdrawn amount, subject to a minimum charge of Rs. 300
Product Details
›- Apni pasand ki image ya ICICI Bank ki available designs ke saath credit card ko personalize karein.
- Eligible retail spends par har ₹100 ke spend par 3 ICICI Reward Points earn karein.
- Utilities aur insurance payments par har ₹100 ke spend par 1 ICICI Reward Point milega.
- BookMyShow par minimum 2 movie tickets book karne par 25% tak ka discount (maximum ₹100), mahine me 2 baar.
- Quarterly spending condition poori karne par har quarter 1 complimentary domestic airport lounge visit ka benefit.
- ICICI Bank Culinary Treats Programme ke through partner restaurants par exclusive dining offers.
Pros/Cons
›- Personalized credit card design ki unique facility milti hai, jisse aap apni pasand ki image ya ICICI Bank ki available designs ke saath card customize kar sakte hain.
- ₹500 + GST ki nominal annual fee ke saath Reward Points, BookMyShow offers, domestic airport lounge access aur dining discounts jaise useful lifestyle benefits milte hain.
- Reward Points ki value aur earning rate premium ya cashback-focused credit cards ke comparison me kaafi limited hai.
- Domestic airport lounge access ke liye pichhle quarter me ₹75,000 spend karna zaroori hai, isliye yeh benefit sabhi cardholders ko automatically nahi milta.
ICICI Bank Expressions Credit Card Features and Benefits
ICICI Bank Expressions Credit Card ek entry-level credit card hai jo everyday spending ke saath basic rewards aur lifestyle benefits offer karta hai. Iske saath aap Reward Points earn kar sakte hain, airport lounge access ka benefit le sakte hain aur entertainment aur dining offers ka bhi fayda utha sakte hain.
ICICI Reward Points
Eligible transactions par aap ICICI Reward Points earn karte hain.
- Har ₹100 ke eligible retail spend par 3 ICICI Reward Points milte hain.
- Utilities aur insurance payments par har ₹100 ke spend par 1 ICICI Reward Point milta hai.
- Fuel aur bank ki kuch excluded transaction categories par Reward Points applicable nahi hote.
Reward Points Redemption
Earn kiye gaye ICICI Reward Points ko kai redemption options ke liye use kiya ja sakta hai.
- Reward Points ko statement credit (cashback), gift vouchers, merchandise aur doosre eligible rewards ke liye redeem kar sakte hain.
- 1 ICICI Reward Point = ₹0.25 ke barabar hota hai.
Annual Fee Waiver
- Agar aap card anniversary year me ₹1.5 lakh ya usse zyada spend karte hain, to ₹500 + GST ki annual fee waive ho sakti hai.
Travel Benefits
Complimentary Domestic Airport Lounge Access
- Har quarter 1 complimentary domestic airport lounge visit ka benefit milta hai.
- Is benefit ko unlock karne ke liye pichhle quarter me ₹75,000 ya usse zyada spend karna zaroori hai.
- Lounge access Visa Domestic Lounge Programme ke applicable terms ke anusar available hai.
Movie & Dining Benefits
BookMyShow Offer
- BookMyShow par minimum 2 movie tickets book karne par 25% tak ka discount milta hai.
- Har transaction par maximum ₹100 tak ka discount available hai.
- Is offer ka benefit mahine me 2 baar liya ja sakta hai.
Dining Offers
- ICICI Bank Culinary Treats Programme ke through selected partner restaurants par exclusive dining discounts ka benefit milta hai.
Bottom Line
ICICI Bank Expressions Credit Card un users ke liye ek accha option hai jo entry-level credit card ke saath personalized card design ka unique experience bhi chahte hain. Is card ki sabse badi khasiyat yeh hai ki aap apni pasand ki image ya ICICI Bank ki available designs me se choose karke card ko customize kar sakte hain.
Customization ke alawa, card ICICI Reward Points, BookMyShow movie offers, ICICI Bank Culinary Treats Programme ke dining discounts aur complimentary domestic airport lounge access jaise useful lifestyle benefits bhi offer karta hai. Agar aap ₹1.5 lakh ka annual spending milestone poora karte hain, to ₹500 + GST ki annual fee bhi waive ho sakti hai.
Halaanki, yeh card premium travel ya high-reward credit cards ki tarah advanced benefits offer nahi karta. Agar aapka focus higher reward rates, international travel ya luxury privileges par hai, to aap ICICI Bank ke premium credit cards ko bhi compare kar sakte hain.
Agar aap ek affordable, personalized aur beginner-friendly credit card dhoondh rahe hain jo everyday rewards aur basic lifestyle benefits offer karta ho, to ICICI Bank Expressions Credit Card ek value-for-money choice ho sakta hai.
FAQs
ICICI Bank Expressions Credit Card par finance charges kitne hain?
ICICI Bank Expressions Credit Card par 3.40% per month ka finance charge applicable hai, jo lagbhag 40.80% per annum ke barabar hota hai.
Kya ICICI Bank Expressions Credit Card par movie aur dining benefits milte hain?
Haan. BookMyShow par minimum 2 movie tickets ek hi transaction me book karne par 25% tak ka discount (maximum ₹100) milta hai. Yeh offer mahine me 2 baar available hai. Iske alawa ICICI Bank Culinary Treats Programme ke through selected partner restaurants par exclusive dining offers ka bhi benefit milta hai.
Kya ICICI Bank Expressions Credit Card ke saath welcome benefits milte hain?
Nahi. ICICI Bank Expressions Credit Card ke saath koi welcome bonus ya joining benefit offer nahi kiya jata.
ICICI Bank Expressions Credit Card ka forex markup fee kitna hai?
International transactions par 3.5% forex markup fee applicable hai. Yeh charge tab lagta hai jab aap card ka use foreign currency me payment karte hain.