Annual fee₹3,500+ GST
Forex markup3.5%
Interest3.75%a month
NetworkVisa / Mastercard / RuPay
You earn
Perks & rules
What changed
1 Feb 2026Points on transport spends capped at ₹20,000 a statement cycle
Worth it?
We can't estimate this card yet.ICICI doesn't state a ₹ value per point.
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asICICI Bank Reward Points
Base rate2 points per ₹100 on domestic spends
Higher rates
- International: 4 points per ₹100 on international spends
- Utilities and insurance: 1 point per ₹100 on utilities and insurance
Limits
- Points earned per statement cycle only on up to ₹80,000 utilities, ₹80,000 insurance, ₹40,000 grocery & department store spend
- Transport: points on up to ₹20,000 a statement cycle
Doesn't earn on
- Cash, rent, wallet reloads and fuel earn no points
- EMI, fees and charges earn no points
Where it landsCredited to your rewards account within 5 working days
What a point is worth
ValueNot stated by ICICI in the documents read
ExpiryPoints lapse when the card is cancelled; other expiry not stated
Redemption fee₹99 + GST per redemption
Welcome benefit
WelcomeVouchers worth over ₹13,000 (Tata CLiQ, EazyDiner, Da Milano, EaseMyTrip, Croma)
Milestones
Milestones
- 4,000 points at ₹4 lakh yearly spend, then 2,000 per extra ₹1 lakh (max 20,000 a year)
Airport lounges
Domestic4 visits a quarter if you spent ₹75,000 in the previous quarter
International2 visits a year
Fuel
Fuel1% surcharge waiver up to ₹4,000
Spending abroad
Forex markup3.5%
Fees
Joining fee₹6,500 + GST
Annual fee₹3,500 + GST from the 2nd year
Fee waiverSpend ₹6 lakh in the anniversary year; next year's fee is reversed (excludes EMI, rent, government, education)
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil under ₹100)
Interest3.75% a month (45% a year)
Cash withdrawal2.5%, minimum ₹500
Who can apply
AgeOver 21
SalariedMonthly income ₹75,000
Self-employedAnnual income ₹9 lakh
More perks
Perks
- Golf: up to 4 rounds a month (1 per ₹50,000 spent the previous month)
- Buy 1 get 1 on BookMyShow up to ₹500, twice a month
- Air accident cover up to ₹3 crore
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Sapphiro product page Product page · 2 Oct 2026
- ICICI Bank Credit Card MITC Fee schedule · 2 Aug 2026
- ICICI Bank Credit Card Terms & Conditions General T&C · 4 Apr 2026
Card image: ICICI Bank's own website.
