ICICI Bank Expressions Credit Card
The ICICI Bank Expressions Credit Card lets cardholders customise the card's visual design — choose from ICICI's gallery or upload your own image.
Beginner & Zero Fee Fit Score
85/100
Joining Fee
₹499
Annual Fee
₹499
Reward Rate (%)
1 – 3
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
27/35
Fee Value & ROI
22/25
Lounge & Perks
11/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
ICICI Bank Expressions Credit Card Benefits
ICICI Bank Expressions Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 3%
Earn rate
3
Points / ₹100
ICICI Bank Expressions Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
ICICI Bank Expressions Credit Card Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
Things to Keep in Mind
- movie benefit limited to 2 tickets twice a month
- fuel waiver only at HPCL pumps
- utility and insurance spends earn lower rewards
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹12,500/mo (₹1,50,000/yr), your ₹499 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
ICICI Bank Expressions Credit Card Eligibility
Employment type
Pros & Cons
- Annual fee ₹499 waived on ₹150,000 annual spend.
- About 1%–3% reward points on eligible spends (caps apply).
- Up to 1 domestic lounge visits per quarter (when included).
- Best for: Personalised card design — identical benefits to Coral with custom artwork
- Anyone who wants a personalised credit card design.
- The ICICI Bank Expressions Credit Card lets cardholders customise the card's visual design — choose from ICICI's…
- It carries the same benefits as the Coral card: 2 reward points per ₹100, 1 domestic lounge visit per quarter, and…
- An ideal choice if you want a personalised card.
- movie benefit limited to 2 tickets twice a month
- fuel waiver only at HPCL pumps
- utility and insurance spends earn lower rewards
- High revolving APR — up to ~45% p.a. on balances.
Who is this card for?
Anyone who wants a personalised credit card design. If you like the Coral card benefits but prefer a unique look, this is the same card with customisation.
Quick Links
Data last updated 15 Sept 2026
Calculate your exact earnings with ICICI Bank Expressions Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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