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.
This card comes loaded with some useful features and attractive benefits some of which are listed below:
|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|Cash Advance Fee||2.50% of the amount withdrawn or Rs.300 (whichever is higher)|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.|
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:
Applicants can customize their ICICI Bank Expressions Credit Card by following the steps listed below:
To procure this card, applicants will be required to meet certain eligibility criteria some of which are listed below:
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:
Copies of both the documents listed below should be submitted as proof of income:
Yes, you will be given a replacement card with the same image in case of damage or loss of the 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 customer care.
ICICI Bank Expressions Credit Card is valid for 4 years from the date of issuance.
You can pay your credit card bill by using one of the methods listed below:
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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