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

    Fee & 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 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 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:

    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?

      Yes, you will be given a replacement card with the same image in case of damage or loss of the card.

    2. What is the procedure of changing the current image on my ICICI Bank Expressions Credit Card?

      You will need to make a fresh request for an ICICI Bank Expressions Credit card at your nearest ICICI Bank branch or call the ICICI Bank customer care.

    3. What is the validity of an ICICI Bank Expressions Credit Card?

      ICICI Bank Expressions Credit Card is valid for 4 years from the date of issuance.

    4. How can I pay my credit card bills?

      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
    5. 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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