By: OurMoneyGuide || Last updated on: May 28, 2024

ICICI Bank Mine Credit Card is a range of cashback credit cards from ICICI Bank. ICICI Bank Mine Credit Card is offered in 3 plans – STARTER, PRO 49, and PREMIUM 149. These cards offer a lot of flexibility, with monthly fee commitments (instead of annual fee). In this post we shall review the ICICI Bank Mine Credit Card (Premium 149 Plan).

ICICI Bank Mine Credit Card (Premium 149 Plan) has a monthly fee of ₹149. It offers a 5% cashback on a variety of partners including Amazon, hotel (7%) & flight (4%) discounts at Goibibo, and 5% discount at Tata Cliq. It also gives complimentary domestic airport lounge access (once per month), and railway lounge access (once per month). Monthly fee is waived off, if you spend ₹20,000 or more in the previous month.


Pros & Cons of ICICI Bank Mine Credit Card (Premium 149)

Pros

  • 5% cashback on a variety of partners including Amazon
  • Discounts at Goibibo : domestic hotels (7% discount) & domestic flights (4% discount)
  • Complimentary domestic airport lounge (once per month), and rail lounge access (once per month)
  • Complimentary 2-month Eazydiner Prime membership, and complimentary 6-month Mindhouse app subscription

Cons

  • You need to stick to select partners to enjoy cashback and discount benefits.

Features & Benefits of the ICICI Bank Mine Credit Card (Premium 149)

5% cashback at various partners, including Amazon || 1% cashback on all other card spends

✔︎ You get 5 MineCash (worth ₹5 as cashback), on every ₹100 you spend at a variety of partners including Amazon-
– Shopping : Amazon || Amazon Prime || Big Basket || Grofers || Myntra || Furlenco
– Travel : Goibibo || MakeMyTrip || Ola
– Dining : Zomato || Swiggy
– Entertainment : Gaana || BookMyShow || PVR || Inox
– Health & Fitness : Fitternity

✔︎ You get 1 MineCash (worth ₹1 as cashback), on every ₹100 you spend on all other card purchases.

Cashback restriction : You get a maximum of ₹750 cashback per month, under this benefit. For example, if you spend only at the 5% cashback partners, you get 5% cashback on total monthly spends of ₹15000 at these partners.

Cashback is given as MineCash. You can redeem your MineCash as cashback to your card statement anytime, for a minimum of 1500 MineCash and in multiples of 100 MineCash. 1 Mine Cash = ₹1, on redemption as cashback to your card statement. MineCash is valid for 3 years.

Exceptions : No MineCash is given on the following spends –  fuel, utility, rent, e-wallet loading transactions, government transactions, insurance, cash withdrawals, balance transfers, EMI transactions, bank fees & charges .

Discounts at Goibibo – domestic hotels (7% discount) || domestic flights (4% discount)

You get 7% discount on domestic hotels, at Goibibo. The maximum cashback you can earn under this benefit is restricted to ₹5000 per month.

You also get 4% discount on domestic flights, at Goibibo. The maximum cashback you can earn under this benefit is restricted to ₹600 per month. This benefit is valid for existing Goibibo users. New Goibibo users get 6% discount on domestic flights, upto ₹800 per month.

5% discount at Tata CLiQ (upto ₹300 per month)

You get a 5% discount at Tata CLiQ, on spends upto ₹6000 per month (since maximum discount is limited to ₹300 per month).

This benefit is valid 5% only on orders above  ₹1000.

Complimentary domestic airport lounge access – 1 time per month

You get free visits to airport lounges in India, 12 times per year (maximum once per month). Please click here to see list of lounges.

Please note that this benefit is offered in a particular quarter only if you have spent a minimum of ₹35000 on your card in the previous quarter. This change is effective from 01 April 2024. For example, to be eligible for complimentary lounge access in ‘Apr-May-Jun 2024 Quarter’, you need to spend a minimum of ₹35,000 in the ‘January-February-March 2024 Quarter’ and similarly for the following quarters.

Complimentary rail lounge access – 1 time per month

You get free visits to railway lounges in India, 12 times per year (maximum once per month).

Please click here for details on railway lounges.

Complimentary 2-month Eazydiner Prime membership

You get a free 2 month Eazydiner Prime membership. Eazydiner Prime membership gets you exclusive benefits, including a minimum of 25% discount at retaurants across India and UAE.

Complimentary 6-month Mindhouse app subscription

You get a free 6-month Mindhouse app subscription.

Fuel surcharge waiver, only at HPCL pumps

You get a 1% fuel surcharge waiver only on fuel transactions upto ₹4000, and only at HPCL pumps.

ICICI Bank customer care number

Please click here for all the options to contact the bank

ICICI Bank Mine Credit Card (Premium 149) Fees and Charges

Annual fee & annual fee offers

This card charges a monthly fee, instead of an annual fee.


Annual feeAnnual fee offers
Monthly fee₹149Offer : Monthly fee is reversed, if you spend ₹20,000 or more in the previous month. The reversal of monthly fee will be in the form of MineCash, which will be credited in customers’ MineCash wallet on or before 7th of the following month. ₹1 MineCash = 1.

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – ICICI Bank Credit Card Fees & Charges

Eligibility Criteria

Minimum age21 years or above
Maximum age60 – 65 years
Occupation Salaried or self-employed
Other criteriaRegular source of income, good credit score preferably over 750

Application Process

Step-by-step guide

Online application process
The easiest way to apply is to click here – APPLY NOW , you shall be taken to the card application page on the ICICI Bank website. You can also visit official website of the bank and fill out the application form.

Steps –
– Fill out the online application form with basic personal details
– Fill out additional details along with basic documents details
– Verification and opening of card
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Tracking your application statusTo track your credit card application status, please click here – ICICI Bank Credit Card Application Status.

Necessary documents and verification

We are listing below general criteria followed by most card issuing banks, since exact criteria has not been specified for this particular card. The bank may ask for additional documents.

Required documents
– PAN card

– Identity proof : PAN card , driving license, valid passport, voter ID (any one)

– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)

– Income proof : latest salary slip/s, income tax returns etc