Earn 20 reward points per ₹100 on daily essential spends
Earn 2 reward points per ₹100 on retail spends
Fuel savings of 5% at HPCL pumps and HP Pay
Movie discount of 25% up to ₹100 twice monthly
Reward points redeemable across categories like travel, shopping, electronics, etc
Fees
Joining Fee2000 Reward Point on card activation
₹590
₹500 + GST
Annual FeeThe annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy.
₹590
₹500 + GST
Eligibility
Age
21-60 years
Salary
₹20K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 45%
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway SurchargeA railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.
1.80%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentNo cheque payment fee is charged
Not Applicable
Cash Payment₹100 per cash payment at ICICI Bank branches (₹150 per payment w.e.f. Jan 15, 2026)
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹750
₹10001 - ₹25000
₹900
₹25001 - ₹50000
₹1000
₹50001 - and above
₹1200
Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card
