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  • ICICI Bank Expressions Credit Card is Rated as "Excellent!" by 94774 Users

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    ICICI Bank Expressions Credit Card

    Credit cards have completely transformed the way the economy works. With ample financial freedom, credit cards also come loaded with features and benefits. Each day, a new feature is being introduced to make it more and more convenient for the cardholders. So, at a time when products and services are being customised to give a touch of personalization for the customers, ICICI is offering the Expressions Credit Card. This range of credit cards is for people who like to add a spark of uniqueness to their life. Cardholders can take their pick from a gallery of more than 175 spectacular designs.

    The ICICI Bank Expressions Credit Card lets the cardholder choose pictures from categories like adventure, music, travel, wildlife, food, sports, fashion, nature, among many others. To give it a more personalized touch, cardholders can select their own picture or choose from photographs with their loved ones to upload on the credit card. Let us take a detailed look at the features, benefits, fees, and charges of the ICICI Bank Expressions Credit Card.

    Features and Benefits of the ICICI Bank Expressions Credit Card

    This card comes loaded with some useful features and attractive benefits some of which are listed below:

    • This card is equipped with embedded with a microchip that assures additional security against fraud and duplication of the same.
    • Cardholders can customize the card with pictures that they can choose from. Alternatively, they can also upload their own pictures or that of their loved ones to give their credit card a more personalized touch.
    • Cardholders can earn 3 PAYBACK points on every Rs.100 that they spend on retail shopping except fuel. These points can be redeemed easily to bag attractive goodies and products.
    • Cardholders can get Rs.100 off on as many as 2 movie tickets each month on BookMyShow. They can avail this discount twice a month and save almost Rs.2,400 per year.
    • They can bag a discount of 15% or more on their dining bill at more than 2,500 restaurants in more than 12 cities across India. This offer is available under the ICICI Bank Culinary Treats programme.  
    • Cardholders can avail amazing offers from VISA. These offers are extended by luxury hotels, lifestyle stores, restaurants, and spas in India as well as abroad.
    • They can also upgrade their travel experience with complimentary access to airport lounges in India with their ICICI Bank Expressions Credit Card. Cardholders can get a complimentary lounge visit per quarter and unrestricted chargeable access for themselves and the guests accompanying them.
    • Cardholders can bag a waiver of 1% on fuel surcharge every time they refuel at HPCL pumps. This offer is valid on a maximum expenditure of Rs.4,000 per transaction at HPCL pumps.

    Fees and Charges on ICICI Bank Expressions Credit Card

    Fees and Charges Amount
    Joining Fee Rs.499 plus GST
    Annual Fee Rs.499 plus GST (waived off from the second year if annual spends are more than Rs.1,50,000 per year)
    Add-on Card Fee Rs.199
    Finance Charges A monthly rate of 3.40% and an annual rate of 40.80%
    Cash Advance Fee 2.50% of the amount withdrawn or Rs.300 (whichever is higher)
    Dial-a-Draft Fee 3% of the value of the draft amount subject to a minimum fee of Rs.300
    Late Payment Charges A maximum of Rs.750
    Over-limit Charges 2.50% on the over-limit amount (subject to a minimum of Rs.500)
    Cheque-Return Fee 2% of the Total Amount Due or a minimum of Rs.450 (whichever is higher)
    Fee on Cash Payment at Branches Rs.100 per payment transaction
    Duplicate Statement Request Rs.100
    Card Replacement Fee Rs.199
    Cash or Cheque Pick-Up Fee Rs.100 per Pick-Up
    Charge Slip Request Rs.100 per charge slip
    Railway Booking Surcharge 1.80% of the transaction value for payment made online and 2.50% on other bookings. Cost of railway tickets will be recovered along with charges and taxes levied if any by the acquiring bank at actual.

    How to apply for ICICI Bank Expressions Credit Card?

    Individuals can apply for ICICI Bank Expressions Credit Card using an online as well as an offline method. Let’s take a look at both of these methods one by one:

    • Applying for ICICI Bank Expressions Credit Card online: Applicants can visit the official website of ICICI Bank by logging on to www.icicibank.com and can apply for this card. They will have to select it from the list of credit cards listed on the website. Next, all they need to do is click on the “Apply Now” tab that’s placed right under the particulars of the card. Once, they click on it, they will be directed to a page wherein they will need to fill in their details.
    • Applying for ICICI Bank Expressions Credit Card offline: To apply for an ICICI Bank Expressions Credit Card, the applicant can call the toll-free number 1800-200-3344 and talk to the bank's representative to start the application process.  Alternatively, they can also step into their nearest branch of ICICI Bank and meet the bank’s representative in person, fill an application form, and submit the required documents to procure this card.

    How to design an ICICI Expressions Credit Card?

    Applicants can customize their ICICI Bank Expressions Credit Card by following the steps listed below:

    • First, they need to log on to www.icicibank.com and select the ICICI Bank Expression Credit Card from the ones listed on the website.
    • From the left-hand side of the screen, the applicant will need to click on the tab that reads “Design My Card.”
    • Once they click on that, they will get a list of pictures belonging to different categories. They can select whichever picture they want to have on their credit card and click on The "Apply Now" tab.
    • Alternatively, they can note down the Image Code of the picture and SMS "EXP" to 5676766. A bank executive will call them back to start the process or procurement.   

    Eligibility Criteria for ICICI Bank Expressions Credit Card

    To procure this card, applicants will be required to meet certain eligibility criteria some of which are listed below:

    • Applicant should be at least 23 years old.
    • They should be a resident of India.
    • They should have a good credit score.

    Documents Required For ICICI Bank Expressions Credit Card

    Applicants must submit the following documents as proofs of identity, residence, and income:

    Copies of any one of the following must be submitted as proof of identity:

    • Aadhaar Card
    • PAN Card
    • Voter's ID Card
    • Driving License

    Copies of any of the following should be submitted as proof of address:

    • Telephone Bill
    • Electricity Bill
    • Water Bill

    Copies of both the documents listed below should be submitted as proof of income:

    • Salary statement of the last 6 months
    • Latest IT Returns
    • Copies of passport-sized photograph

    FAQs On ICICI Bank Expressions Credit Card

    1. If I lose my ICICI Bank Expressions Credit card, will my new card have the same image that I had used on the last card?
    2. Yes, you will be given a replacement card with the same image in case of damage or loss of the card.

    3. What is the procedure of changing the current image on my ICICI Bank Expressions Credit Card?
    4. You will need to make a fresh request for an ICICI Bank Expressions Credit card at your nearest ICICI Bank branch or call the customer care.

    5. What is the validity of an ICICI Bank Expressions Credit Card?
    6. ICICI Bank Expressions Credit Card is valid for 4 years from the date of issuance.

    7. How can I pay my credit card bills?
    8. You can pay your credit card bill by using one of the methods listed below:

      • Net banking
      • Dropping cheque in the drop box at any ICICI Bank branch
      • Visa money transfer
      • Auto-debit facility
      • NEFT
      • Making cash payment at any of the branches of the bank
    9. Who is eligible to use a supplementary ICICI Bank Expressions Credit Card?

    Supplementary or add-on credit cards is offered to immediate family members of the primary cardholder. This includes parents, spouses, and children who are more than 18 years of age.

    ICICI Bank Expressions Credit Card Reviews

    • Axis Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The best about AXIS BANK NEO CREDIT CARD is offer. They are providing so much discounts on online purchase. They have offered me a credit limit of Rs. 45000 and i'm not excited about it. I have not interacted with the call centre bank. The service of the card is really good. I have not faced any transaction related issues as such.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Dec 14, 2018
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I'm using the credit card for last 1 months. They have given me a credit limit of Rs. 70000 but i was expected around Rs. 1 lakhs and i used the credit limit upto Rs. 63000. When i swipe that time, i have received the message stating that there is overdue usage charges. I'm yet to call the customer care people regarding this issue. This is a rewards card, if i use a purchase of Rs. 30000 in a year the annual charges are not applicable. I'm very much interested to use the CITI bank card. I have converted my purchase into EMI and there is a separate charges for EMI conversion.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • RBL Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I have started using the RATNAKAR BANK credit card where the card is good. The process of getting the card is very good and easy process. I have been using this card seldom so i don't have much experience with this credit card. I am not aware of the offers with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • Bank Bazaar Credit Card
      "Good Customer Service"
      0.5 3.0/5 "Satisfactory"
      Bank Bazaar told it was on line process but bank collected some paper then they processed and I got the card its fine. I have taken Indusind credit card through Bank Bazaar portal. I came to know thorough online, the customer team is good and prompt.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holing the credit card with the ICICI BANK but i sue this card seldom with this credit card because the reason is that the credit limit what they have offered is very lower with this credit card. The offers also i get seldom which is lower with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • IndusInd Bank Credit Card
      "Easy to avail"
      0.5 5.0/5 "Blown Away!"
      Indusind offers are good, I have not used it, the credit limit is sufficient there is no inconvenient faced on the documentation. But the process got delay, they have taken the around 25 days to dispatched the card to my place that is the issue.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2018
    • review Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The credit card with the STATE BANK OF INDIA is very good as they give the lower rate of interest while converting into EMI option with this credit card. The credit limit what they have offered is satisfactory added on that the offers also good with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The best feature of this credit card what i am using it from the HDFC BANK is that they are offering with the instant loan from the credit card added on that they give the jumbo loan also from this card. The credit limit what they provide is satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.5/5 "Excellent!"
      I have SBI Tata card, they gives offers on Tata products, the card is very good , the credit limit is also satisfactory. I could convert the points into Tata purchase. The payment gateway is good and my payment reflect immediately on their end.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2018
    • HSBC Bank Credit Card
      "Offers should be increased"
      0.5 4.0/5 "Great!"
      I have purchased this credit card around 2 years back, the reward points is not upto the mark and the offers are less on my spends. As I customer I suggest them to give attractive offers, the card limit is fine for me. Its not worth to recommend its not value for money.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2018
    • American Express Credit Card
      "Charges should be reduced"
      0.5 4.5/5 "Excellent!"
      The charges are very high on yearly basis, the best features I found on the card they have good reward points on the spends, the credit limit is satisfactory in Amex, I am using it around one year, the payment option is good I don't have any issue with them.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2018
    • Bank Bazaar Credit Card
      "Its Excellent"
      0.5 4.5/5 "Excellent!"
      Through internet I came to know about the Bank Bazaar, around two years I am using this site. Last year I have taken Amex card and very recently I have taken Axis credit card its very convenient portal to apply for any kind of card, it has all the card details.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Limit should be enhanced"
      0.5 4.5/5 "Excellent!"
      I got the basic credit card from Axis bank, which has annual fee around Rs.499 for basis charges, they are providing reward point sand cash back on my spend. The customer service is low it would enhanced the credit limit, any way its fine for me.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2018
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK from past four years as the card is easy also it is user friendly to access. The credit limit what they have offered is satisfactory with this card added on that the service is very good with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this card previously and the services which they had provided so far has been good but once i had done an international transaction which was against the RBI rules and since the card has been closed. They had given me with a good credit limit and there has also been some features with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • Citibank Credit Card
      "Good Reward card"
      0.5 3.0/5 "Satisfactory"
      I have visa platinum reward from Citi bank, its a basis one, they generally gives points on my credit card spends, if I do certain transactions the yearly charges will get waived off, the time taken to dispatch the card is good, the limit is also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • American Express Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      The card has been good with the credit limit and the benefits and features which it has, but the card is not acceptable at many retails stores and i am not able to use it at all the places. It has been a life time free card and i had been using the card for shopping.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • American Express Credit Card
      "Satisfactory"
      0.5 3.0/5 "Satisfactory"
      I am not using frequently Amex credit card, but I use this for domestic transactions is chargeable. I have basis card reward card they have annual fee its nominal depend on the transaction, some time it gets waived fee. The customer support team is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Best Card for the travelers"
      0.5 5.0/5 "Blown Away!"
      HDFC has lots of features on the card, I am holding Regalia card, it has domestic and international air lounge in quarterly two times they give airport lounges. I travels a lot hence I use this card, I get lots of discount air flight on my bookings.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this card for a long time and the services which they had been providing so far had been good. I am happy with the credit limit which they had given with this card and there has been some benefits and features with this card as well. It has been a life time free card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
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