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  • ICICI Bank Expressions Credit Card

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  • 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

    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I received a card on time which was applied through an online with INDUSIND bank. It is a life time free credit card. The credit limit is given was okay because I was expecting more than that. So far no issue faced by using this card. Their service is good.
      Was this review helpful? 4
      , mumbai
      Reviewed on Oct 17, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Need to enhance the credit limit"
      0.5 3.0/5 "Satisfactory"
      For the past 2 years I am using HDFC BANK credit card for more than 2 years with low credit limit of 21 thousands only for 2 years I am using this card yet they have not enhance it. It is a life time free credit card. EMI option is applicable and charges are nominal.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Need to enhance the credit limit"
      0.5 3.0/5 "Satisfactory"
      I have been holding SBI credit card for more than 3 years. It is an annual fee chargeable of 2000 rupees and there is no option for a waiver off. The credit limit is sufficient for 50 thousands only. EMI option is applicable for this card and it is nominal.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank directly .I am using this credit card for the past 2.5 years ,The credit limit was very less and there was no difficulties faced so far ,I have got the credit card on time without any hassle and this card is really good to use .
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The reason for taking Indusind Bank Ltd credit card because of the higher credit limit. I have used the card and made a payment as well without any difficulty. The credit limit is more than sufficient. They did not inform me about the reward points. The documentation process is easy.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I am holding RATNAKAR BANK credit card for more than 2 years. It is an annual fee chargeable card of 1000 rupees and there is an option for a waiver off for a certain amount of usage. EMI option is applicable and charges are nominal. I use this card for many purposes.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Indusind Bank credit card which was taken through Online .I have got the credit card on delay basis it took 1month time that was the difficulty faced by me .The credit limit was good and this was a free card .I am really satisfied with the service so far .There was no cash back offers and reward points .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 17, 2019
    • Citibank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have Citi Bank credit card for the past 1 year .I am using this credit card for the past 1year .I have got all the required details about the card process ,I have got this credit card on time without any hassle .The credit limit was pretty good and there was no drawbacks faced .I am satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Ratnakar Bank credit card which was taken through Bank .I am using this credit card for the past 1 year and it was a chargeable card ,I have got my credit card on time without any delay .The credit limit was really good and there was no drawbacks faced .I am realy satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank OF India credit card which was taken through Bank direclty.I am using this credit card for the past 6 years .I have got good credit limit and there was no difficulties faced while using tis card .It is very easy to use and very comfortable as well .I am satisfied with this credit card so far.
      Was this review helpful? 1
      , mumbai
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank.I am using this credit card for the past 6 years .I have got all the required details about the card process ,I have got my credit card on time without any details .The credit limit was really good and there was no drawbacks faced .I am totally satisfied with the service .
      Was this review helpful? 2
      , mumbai
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using Indusind Bank credit card which was taken through Online .The credit limit was very good it was upto 1 lakh it was sufficient .I have got all the required details about the card process.I have not faced so far on using this card .This was a free card .I am totally satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Kotak Mahindra Bank credit card which was taken through Bank .I am using this credit card for the past 4 years ,This card is very easy to use and there was no difficulties faced so far .I am really satisfied with the service .I am comfortable with the service so far.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Ratnakar Bank credit card which was taken through Bank directly. I am using this credit card for the past 1 year and got all the required information about the card process very clearly . This was a chargeable card and the credit limit was really good and it was 1,52,000. I am completely satisfied with the service.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I received a card on time which was applied through an online with INDUSIND bank. It is a life time free credit card. The credit limit is given for 75 thousands which was low because I was expecting more than a one lakh. EMI option is applicable. I have been using this card for shopping, fuel and restaurant purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Very Nice to use"
      0.5 3.0/5 "Satisfactory"
      In SBI, they are providing a voucher if i pay the annual fee of Rs. 3000 and if i use more than Rs. 5000 yearly, the annual fee is getting waived off. In SBI, i have a prime card. They gave me a credit limit of Rs. 50000. Customer care service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Very Good to use"
      0.5 5.0/5 "Blown Away!"
      They have given me a nice offers and the rewards points will be nice when I'm getting in a shopping. I have got the credit limit of Rs. 1 lakhs. There is a annual fee of Rs. 3000 but i can pay this by using the rewards points. I have got the first month bill and i have to pay on 24th of this month. The statement is clear to understand.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank directly.I am using this credit card for the past 4 years and got all the required information about the card process very clearly .This was a free card and and there was no difficulties faced so far on using this card .
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India credit card which was taken through Bank.I am using this credit card for the past 4 years.This was a free card and there are good reward points as well as cash back offers .I have submitted the required documents very clearly .There are good reward points as well as cash back offers .I am satisfied with the service so far.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card with INDUSIND bank on two months before which was processed through an online. Within 2 days I received a call from their end once verification completed by 15 days I received a card. The credit limit is low as per my requirement. EMI option not aware. There was some requirement so I have chosen to apply for it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
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