By: OurMoneyGuide || Last updated on: May 30, 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), and the ability to switch between these 3 card variants on a monthly basis. In this post we shall review the ICICI Bank Mine Credit Card (Premium 49 Plan).

ICICI Bank Mine Credit Card (Pro 49 Plan) has a monthly fee of ₹49. It gives a 5% cashback on a variety of partners, and hotel (7%) & flight (4%) discounts on Goibibo. It also gives complimentary railway lounge access (once per month). Monthly fee is waived off, if you spend ₹10,000 or more in the previous month.


Pros & Cons of ICICI Bank Mine Credit Card (Pro 49 Plan)

Pros

  • 5% cashback on a variety of partners
  • Discounts at Goibibo – domestic hotels (7% discount) || domestic flights (4% discount) 
  • Complimentary rail lounge access – once per month

Cons

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

Features & Benefits of the ICICI Bank Mine Credit Card (Pro 49 Plan)

5% special cashback on select partners || 1% cashback on all other card spends – maximum ₹200 cashback per month

You get 5 MineCash (worth ₹5 as cashback), on every ₹100 you spend at a variety of partners–
– Shopping : Big Basket, Grofers, Amazon Prime
– Travel : Ola
– Dining : Zomato, Swiggy
– Entertainment : PVR, Inox,Gaana, BookMyShow

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

The maximum cashback that you can earn in a month is restricted to ₹200 per monthly card statement cycle. For example, if you spend only at the 5% cashback partners, you get 5% cashback on total monthly spends of ₹4000 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, 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.

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.

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

Please click here for all the options to contact the bank

ICICI Bank Mine Credit Card (Pro 49 Plan) 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₹49Offer : Monthly fee is reversed, if you spend ₹10,000 or more in the previous month. (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