Intro Offer
Annual Fees
₹12.5K + GST
Joining Fees
₹12.5K + GST
Reward Rate
3% 36%
Rating
4.8
| Category | Type | Qualifying Spend | Rate | RP Capping | Spend Capping | Conditions |
|---|---|---|---|---|---|---|
| groceries | base | Grocery | 3.00% | Max. 1K / statement cycle | ||
| education | base | Education | 3.00% | |||
| utilities | base | Utilities | 3.00% | |||
| insurance | base | Insurance | 3.00% | Max. 5K / statement cycle | ||
| others | base | All other eligible retail transactions | 3.00% | |||
| travel | accelerated | iShop Flight Booking | 18.00% | Max. 18K / statement cycle | ||
| travel | accelerated | iShop Hotel Booking | 36.00% | |||
| gift card | accelerated | iShop Shopping Vouchers | 18.00% |
| Airline Partner | Redemption Rate | Multiplier | |
|---|---|---|---|
| Air India | 1 ICICI Bank Reward Points = 1 Air India Flying Returns Miles points | x1 |
| Partner Brand | Redemption Rate | Multiplier | |
|---|---|---|---|
| Apple | 1 ICICI Bank Reward Points = ₹1 voucher | x1 | |
| Tanishq | 1 ICICI Bank Reward Points = ₹1 voucher | x1 | |
| Tumi | 1 ICICI Bank Reward Points = ₹1 voucher | x1 | |
| Coach | 1 ICICI Bank Reward Points = ₹1 voucher | x1 | |
| Brooks Brothers | 1 ICICI Bank Reward Points = ₹1 voucher | x1 | |
| Emporio Armani | 1 ICICI Bank Reward Points = ₹1 voucher | x1 | |
| Jimmy Choo | 1 ICICI Bank Reward Points = ₹1 voucher | x1 | |
| G-Star Raw | 1 ICICI Bank Reward Points = ₹1 voucher | x1 | |
| Canali | 1 ICICI Bank Reward Points = ₹1 voucher | x1 | |
| Mothercare | 1 ICICI Bank Reward Points = ₹1 voucher | x1 | |
| Generic Travel | 1 ICICI Bank Reward Points = ₹1 voucher | x1 |
Get x0.4 conversion value on redeeming 1 ICICI Bank Reward Points for ₹0.4 statement balance
3% rewards
3% rewards
3% rewards
3% rewards
18% rewards
36% rewards
18% rewards
3% rewards
Generous Welcome Package
Receive 12,500 bonus points (worth ₹12,500), a complimentary 1-year Taj Epicure membership with a night's stay, and an annually renewed EazyDiner Prime membership upon joining.
High Reward Rate
Earn 6 points per ₹200 spent, offering a 3% value back when redeemed 1:1 for travel or select vouchers. Sensible caps apply to categories like grocery, utilities, and insurance.
Unlimited Lounge Access
Enjoy unlimited complimentary access to domestic airport lounges via the card and international lounges via Priority Pass for both primary and add-on cardholders.
Premium Lifestyle Perks
Includes unlimited complimentary golf games/lessons globally, a valuable BookMyShow Buy-1-Get-1 offer (up to ₹750 off, twice monthly), and concierge services.
Comprehensive Travel & Other Benefits
Features a low 2% foreign currency markup fee, flight/hotel cancellation cover (up to ₹12,000 twice yearly), extensive insurance, and milestone travel vouchers.
High Annual Fee
The card comes with a substantial joining and annual fee of ₹12,499 + GST. A spend waiver is available but requires a high annual spend of ₹10 Lakhs.
Restrictive Eligibility
Primarily available via invite or requires a high credit limit (approx. ₹10 Lakhs) on an existing ICICI card for upgrade, limiting accessibility for many.
Variable Reward Redemption Value
Best redemption value (1:1) is limited to travel and select premium vouchers. Value drops significantly for statement credit (1 RP = ₹0.40) and points transfer options are currently limited.
Taj Epicure Membership Not Renewed
The valuable Taj Epicure membership, including a complimentary night stay, is provided only as a welcome benefit for the first year and is not renewed annually.
Reward Points Exclusions & Caps
No reward points are earned on key categories like fuel, rent, government services, and tax payments. Points on grocery, utility, education, and insurance spends are capped per statement cycle.
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