Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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.

      

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    ICICI Bank Expressions Credit Card Reviews

    • Bank Bazaar Credit Card
      "Got my free credit card through Bank bazaar"
      0.5 5.0/5 "Blown Away!"
      I got my new credit card from Bank bazaar based on my credit score . When I am checking free credit score in their portal , I got a call from the sales team . Based on my score there was a life time free card is available . Then I decided to go with this card .
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using bank bazaar service for first time, i came to know about this bank bazaar service through on line,i am happy with their service and i have applied for credit card from them, i have not faced any issue or difficulty in that getting my credit card, whole process when smoothly and i have used mobile application it is easy to access.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • Punjab National Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have one more credit card last two years from punjab national bank , this is free card , but I am not satisfied with credit limit just 10k after using 1.6years then increase only 10k , now credit limit is 20k , and their customer service is good ,
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • RBL Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      Their customer service is not good I try but every time call is not going , I have taken one RBL credit card here is credit limit is 45k not much happy ,last one years I have this credit card , I am not getting any offer , and I dont know this is charges or free , but I am satisfied with this credit card ,
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been applied for HDFC BUSINESS MONEYBACK credit card for recently, they have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was okay, the card came on time there was no delay or issue in getting card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Not upto the expectation"
      0.5 3.0/5 "Satisfactory"
      Yes bank has not given me the expected credit limit when I was promised before buying this credit card . I am not received any promotional offers for this card . But the executive has given big hype about having and using this card . There will be huge credit limit and so many offers will be available .
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I came to know about bank bazaar service through on line, this is my first time i have been availing their service, their website is good, but one thing i would like to suggest them is that stop doing too much of spamming call, i use to get too much of call from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • RBL Bank Credit Card
      "Need improve their customer care"
      0.5 5.0/5 "Blown Away!"
      I am happy with the service of RBL bank, but i am not happy with their customer care service they are not up to the mark, as i use to get too much call a day i use to get call up to 40-50 times, and there is language barrier as well, they do not speck English properly,i have been using this card from past one and half years,but from last 3 months i face this issue.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • American Express Credit Card
      "Outlets should be increase"
      0.5 3.0/5 "Satisfactory"
      I hold Amex credit card from long time, but i am not happy with the card, their service is good, but it is not useful for me, they should increase in many outlet this card, even i do transaction in on line, i could not do online transactions as it use to show as invalid offers for amex card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Need to increase the Credit Limit"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card for 3 and half years, its a good one to use, but while applying they provided credit limit as 15 thousands post that they increase to 25 only, i would like to suggest to provide more credit limit, mean while the customer service was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I came to know about bank bazaar service through on line, this is my first time i have been applied for their service, their mobile application is good,it is user friendly application, but one thing i would like to suggest them is that they should reduce the call flow.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Overall experience is good"
      0.5 4.0/5 "Great!"
      The customer services and response is good at Bankbazaar. I got regular messages about the updates. The website is good and it is easy to use and understand. There were follow up calls as well. It was easy to get the details of the banks and their offers too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • IndusInd Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using Indusind bank credit card for recently, they have not charged me annual fee as it is life time free credit card, i am not happy with the credit limit they have given me less credit limit, like they said 75,000 i will be getting so far but after that they have just given me 50,000 as an limit, the reason for choosing this card is for their offers for shopping and movie tickets, there was much delay in getting loan, there was wrong information was given , the pin got generated after 15 days.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good. Can do better"
      0.5 3.5/5 "Pretty good"
      The documents was taken on time for the credit card. The updates was not done for me. I had to call the person who took the documents and I was told that the paper work is processed and I will get the card in few days. The follow up calls was not there with HDFC Bank. There are charges annually for the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I came to know about bank bazaar through my friend because this is the good financial product, so once i download the app i repeatedly getting calls from bank bazaar, i would like to suggest to get minimum the calls. The best part of bank bazaar which i would like to share is providing the amazon voucher offer.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good reward point"
      0.5 4.0/5 "Great!"
      I got my HDFC credit card very recently . in HDFC also I am not happy with the credit limit . I thought HDFC has a great brand value they always fulfill the customers requirement . But interms of credit point they made me so happy with that . Their credit point has some value .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold SBI credit card from long time, They have not charged me annual fee, they use to give good offers in shopping, i am happy with the credit limit which they have given to me, they use to give good offers based on my requirement so far i did not face any issue.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "High level customer service"
      0.5 3.5/5 "Pretty good"
      Bank bazaar has proved strongly they are the masters of digital shopping . They know the nook and corner of the business strategy . I am so thankful for the bank bazaar customer service and guiding me a correct credit card according to my taste .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I bank with ICICI Bank for a credit card. The customer services and response is good and there are good offers as well. Just that the credit limit is less. Else there are no hassles while using the card. The transactions are smooth and easy and no issues.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • American Express Credit Card
      "Completely disappointed with the credit limit"
      0.5 2.0/5 "Expected more"
      Highly disappointed with the American express service . When I am taking a card with very high interest with them they given a credit limit of only 25 k. I though it was a international credit card, their limit also will be in higher scale . But complete collapse of my dream .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
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