Best ICICI Bank Credit Cards

Lifetime free credit card, with no annual fees

3%-5% unlimited cashback on Amazon India (including flights & hotels)

• 5% cashback for Amazon Prime members
• 3% cashback for Non-Prime members

Exceptions & important exclusions-

• 2% cashback on the following spends – Amazon gift card purchases, e-book purchases, bill payments, recharges.
• No casback on the following spends – Physical and digital gold, all types of EMI transactions, Amazon Business transactions.

2% cashback on 100+ Amazon Pay partners

• Partners include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder
• Must pay through Amazon Pay wallet to earn cashback rewards

1% cashback on other spends

Important exclusions: No cashback given on fuel spends, all types of EMI transactions.

1% fuel surcharge waiver on fuel transactions up to ₹4000

Welcome benefits through Amazon account: Offers worth ₹2000 + 3 months Prime membership

▶︎ Rewards on Card Spending (Up to 36% Reward)

Up to 36% Reward on Travel & Gift Vouchers (via ICICI iSHOP platform)

• Hotel bookings: 36% rewards (36 points per ₹100)
• Flight bookings & gift vouchers: 18% rewards (18 points per ₹100)

3% Reward on Other Purchases

• 3 points per ₹100
• Important Exclusions: No rewards on rent, fuel, tax, and government transactions

Monthly Reward Caps

• Flights & Hotels (36% & 18%): 18,000 reward points, reached at ₹54,000-₹1.2 lakh monthly spend
• Grocery purchases: 1,000 reward points
• Utility bill payments: 1,000 reward points 
• Education payments: 1,000 reward points 
• Insurance payments: 5,000 reward points 

Value of Reward Points & Redemption

- Best Value Redemptions (1 point = ₹1)

• Flight and hotel bookings
• Select brand vouchers

- Lower Value Redemptions

• Cashback: 1 point = ₹0.40
• Rewards catalogue: 1 point = ₹0.60

Annual Milestone Benefits (Upto 0.75% Additional Reward) 

• ₹4 lakh spend: EaseMyTrip voucher worth ₹3,000 (0.75% reward) 
• ₹8 lakh spend: Additional EaseMyTrip voucher worth ₹3,000 (0.75% reward)

▶︎ Premium Lifestyle Benefits

Travel & Golf 

• Unlimited airport lounge access (India & abroad), for primary + 3 add-on cardholders
• Unlimited complimentary golf rounds (India & abroad)
• 2% foreign exchange fee (lower than standard rates)
• Unlimited complimentary golf rounds both in India and abroad

Movies & Entertainment 

• Buy One Get One Free at BookMyShow (up to ₹750 on 2nd ticket)
• 2 tickets per month - for movies, sports, theatre, or concerts

Dining & Fuel

• Ongoing EazyDiner Prime membership
• Fuel surcharge waiver up to ₹1,000 per month

6.50% reward on HPCL fuel 

• 4% cashback, on purchases up to ₹5000 per month
• 1.50% through HP Pay App, on purchases up to ₹5000 per month
• 1% fuel surcharge waiver at HPCL stations, on fuel transactions between ₹400 and ₹4000 

5% reward at departmental stores & utilities (electricity/ mobile bills)  

• 20 reward points worth ₹5, per ₹100 spent
• Monthly limit: 400 reward points worth ₹100, reached at ₹2000 monthly spend 

0.50% reward on other card purchases 

• 2 reward points worth ₹0.50, per ₹100 spent
• Important exclusions: No rewards on non-HPCL fuel spends, rent, e-wallets, EMIs, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, fees, interest and other charges.

Domestic airport lounge access: 1 visit per quarter (requires ₹75000 spending in the previous quarter)

25% discount on movie tickets

• BookMyShow: 25% discount (up to ₹100), 2 times per month
• Inox: 25% discount (up to ₹100), 2 times per month
  

24/7 Automobile Assistance: Phone support, on-site repair, key assistance, tire support, battery services, fuel delivery

Upto 24% Rewards on Travel Spending

• Hotel bookings: 24% rewards (12X points)
• Flight bookings & gift vouchers: 12% rewards (6X points)
• Monthly limit:15,000 reward points combined, reached at spending between ~₹68,000 and ₹1.5 lakh

2% Rewards on Other Domestic Spends, 2.50% on International Spends

Value of reward points

• Best value: 1 point = ₹1 (flights, hotels, select vouchers). Above reward rates assumes this redemption rate
• Cashback: 1 point = ₹0.40
• Rewards catalogue: 1 point = ₹0.60

Annual Milestone Benefits

• Spending range: ₹2 lakh to ₹25 lakh annually
• Total value: Up to ₹70,000 in milestone rewards across various spending tiers

Unlimited Airport Lounge Access

• Lounge access: Unlimited domestic and international (Priority Pass included)
• Coverage: Primary and add-on cardholders

Premium Transfers (After ₹5 lakh annual spend)

• Helicopter service: Limited to Bangalore Airport (twice yearly)
• Luxury sedan transfers: Airport pickup/drop service (twice yearly)

International Travel Benefits

• Forex fee: Reduced 1.49% markup (vs. 3.50% industry standard)
• Rewards: 2.50% on all overseas spending

The Quorum Club Access

• 20% discount at exclusive restaurants
• Access to premium events and experiences
• Complimentary co-working space access
• 15% discount on club memberships

Concierge & Events

• CribLife Concierge: 24/7 international and domestic lifestyle management services
• Times Group Events: Exclusive access to ET Awards and celebrity chef experiences
• Premium experiences: Curated events and dining opportunities

Lifetime free/ no annual fee credit card

0.50% benefit on card purchases

• You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all card purchases.
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.

Exceptions-

• No reward points are given on fuel purchases, rent payments, e-wallet loads, government transactions.
• 0.25% benefit on utilities and insurance spends : You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend in these categories

1% fuel surcharge waiver: You get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4000, at HPCL fuel outlets.

Earning Rewards - 12% on Hotels, 6% on Flights/Vouchers, 1% on Other Spends

• Accelerated rewards on hotels, flights and vouchers through iSHOP portal
• Maximum accelerated reward points - 12,000 per month

Unlimited complimentary airport lounge access both in India and abroad

Buy One Get One Free Offer: 4 free BookMyShow movie tickets (up to ₹750 each) per month 

• Buy one movie ticket and get up to ₹750 off on the second ticket, at BookMyShow.
• This offer is valid on non-movie tickets booked through BookMyShow also
• This offer can be availed maximum 4 times per month.

Complimentary golf rounds, up to 4 rounds per month

• 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
• Up to a maximum 4 rounds per month
• You can choose to take a free golf lesson, instead of a free golf round

Lower forex fee of 2%

24x7 concierge service 

• Restaurant referral and reservation
• Flight referral and reservation
• Hotel referral and reservation
• Car rental and limousine service
• Flower and gift assistance
• Booking and delivery of movie tickets: This service is currently available in New Delhi, Mumbai, Bengaluru and Chennai)
• Emergency auto assistance across India: A host of emergency auto assistance services are available for you in New Delhi, Mumbai, Kolkata, Hyderabad, Bengaluru and Chennai including towing, repair and alternative travel assistance
• Medical concierge privileges: In case of any unforeseen situation should you need to be moved to a place where appropriate medical care is available, the i-Assist team can arrange for air and/ or surface transportation and communication to move you to the required hospital. i-Assist can also put you in touch with physicians, hospitals, clinics, dentists and dental clinics on request. You can also ask to set up appointments with local doctors.

No cancellation charges on domestic flight, hotel & movie bookings (cancellation for any reason insurance): Get a refund of up to ₹12,000 for a maximum of 2 transactions in a year, on any domestic flight/hotel/movie ticket booking cancellation

Option to choose annual fee or monthly fee

1. Annual fee of ₹12,000, which is waived on spending ₹10 lakhs in a year
2. Or a monthly fee of ₹1000, which is waived on spending ₹1 lakh in a year

Fuel Surcharge Waiver: 1% fuel surcharge waived off on fuel transactions at any fuel outlet.

Comprehensive insurance covers  

• Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection: ₹50,000
• Personal Accident due to Air (Death only): ₹3,00,00,000
• Purchase Protection: ₹1,40,000
• Baggage Insurance: ₹25,000
• Loss of Checked in Baggage: ₹84,000
• Delay of Checked in Baggage: ₹21,000
• Loss of Passport and travel related documents: ₹35,000
• Missing of Connecting International Flight During Transit: ₹21,000
• Plane Hijacking: ₹1 lakh
• Delay in Flight: ₹17,500
• Medical Expenses for Bodily injury caused by and arising out of Rail/Road accident: ₹50,000
• Credit Shield: ₹1 lakh

0.50% reward on all card purchases

• Earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all card purchases.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.

Exceptions –

• No reward points are given on fuel purchases, rent payments, e-wallet loads, EMI transactions, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, payments of fees, interest and other charges.
• 0.25% benefit on utilities and insurance spends (1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend).

3% reward on flights & gift vouchers, 6% on hotels - through ICICI iSHOP Rewards Platform

• Monthly limit: 9000 rewards points

1% reward on all international spends

• You earn 4 reward points worth ₹1, on every ₹ 100 you spend on all international transactions.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.

Up to 0.4% additional rewards (ICICI milestone program)

• 4000 reward points worth ₹1000, at ₹4 lakhs yearly card spend
• Additional 2000 reward points worth ₹500, on each additional ₹1 lakh you spend during the year
• You can earn a maximum of 20,000 reward points per year, under this program.
• Hence you can earn the maximum 20,000 reward points worth ₹5000, at ₹12 lakh annual card spend - 0.41% reward

Complimentary lounge access at international airports – 2 times per year

Complimentary domestic airport lounge access – 4 per quarter || Minimum card spending of ₹75000 required in the previous quarter

Complimentary golf rounds, up to 4 rounds per month

• 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
• Up to a maximum 4 rounds per month.
• For example, if you want to play 4 free rounds of golf this month, then you should have spent a minimum of ₹2 lakhs on your card in the previous month.
• You can choose to take a free golf lesson, instead of a free golf round

BOGO ('Buy One Get One Free') at BookMyShow: 2 free movie tickets (up to ₹500 each) every month

• Buy one movie ticket and get up to ₹500 off on the second ticket, at BookMyShow.
• This offer can be availed maximum 2 times per month.

1% fuel surcharge waiver, valid only on fuel transactions up to ₹4000

24X7 concierge services: Services include restaurant referral and reservation, flower and gift assistance, hotel referral and reservation, flight referral and reservation, car rental and limousine service, booking and delivery of movie tickets, medical concierge privileges, emergency auto assistance across India

7% reward (in terms of Adani Reward Points): Earn 7 Adani Reward Points on every ₹100 spent in these categories-

• Adani One ecosystem spends (flights, hotels, trains) 
• Adani managed airports (duty free, participating stores)
• Gas, Electricity, and more

2% reward (in terms of Adani Reward Points) on international card spends: Earn 2 Adani Reward Points on every ₹100 spent abroad

1.50% reward (in terms of Adani Reward Points) on all other card spends: Earn 1.50 Adani Reward Points on every ₹100 spent on all other card purchases

Exceptions:

• No reward points are given on fuel and rental spends
• On insurance and utilities, you earn 0.50% reward

Exclusive benefits at Adani One airports

• Enjoy 2 'Meet and Greet' services per year (1 on card activation and second at ₹3 lakh card spend)
• 4 premium lounge upgrades every quarter
• 4 valet parking every year
• 4 premium car parking every year on card activation
• Up to 8 porter services every year (2 porter services on every ₹1 lakh card spend, maximum of 8 porter services every year)

Complimentary domestic lounge access - 4 times per quarter

Complimentary international lounge access - 2 times per year

50% (up to ₹500) discount on BookMyShow movie tickets - 2 times per month. A minimum of 2 tickets need to be booked to avail offer

Fuel surcharge waiver on all fuel transactions up to ₹4000

0.50% reward on all card purchases in India

• You earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all purchases.
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.

Exceptions :

• No reward points are given on fuel purchases, rent payments, e-wallet loads.
• 0.25% benefit on utilities, and insurance spends : You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on utilities and insurance spends.

1% reward on all international card spends 

• You earn 4 reward points worth ₹1, on every ₹ 100 you spend on all international transactions.
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.

ICICI milestone program - up to 0.3% additional reward

• Earn 3000 reward points worth ₹750, at ₹3 lakh yearly card spend
• Get additional 1500 reward points worth ₹375, on each additional ₹1 lakh you spend during the year
• You can earn a maximum of 15,000 reward points per year, under this program
• Hence you could earn a maximum of 15,000 reward points worth ₹3750, at ₹11 lakh annual card spend - 0.34% benefit

Complimentary domestic airport lounge access – 2 times per quarter (minimum card spending of ₹75000 is required in the previous quarter)

Complimentary railway lounge access – 2 times per quarter 

Up to 2 free golf rounds per month (minimum card spending of ₹50000 is required for each round of golf)

• You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month
• Maximum 2 free rounds per month.
• You can choose to take a free golf lesson, instead of a free golf round.

25% discount (up to ₹150) at BookMyShow movie tickets - 2 times per month

• You can avail this offer 2 times a month, at BookMyShow. Minimum requirement of 2 tickets to avail this offer.
• When you purchase a minimum of two tickets, you get a 25% discount (up to ₹150)
• Hence you get a 25% discount on movie ticket transactions up to ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

25% discount (up to ₹150) at INOX movie tickets - 2 times per month

• You can avail this offer 2 times a month, at INOX. Minimum requirement of 2 tickets to avail this offer.
• When you purchase a minimum of two tickets, you get a 25% discount (up to ₹150)
• Hence you get a 25% discount on movie ticket transactions up to ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

Fuel surcharge waiver only on fuel transactions between ₹400 and ₹4000

24/7 premium concierge services: You get unparalleled convenience with i-Assist, ICICI Bank’s 24×7 premium concierge service designed to cater to all your needs.

• Hotel referral and reservation
• Restaurant referral and reservation
• Flight referral and reservation
• Car rental and limousine service
• Flower and gift assistance
• Booking and delivery of movie tickets
• Medical concierge privileges
• Emergency auto assistance across India

0.50% reward on all purchases 

• Earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all purchases.
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for products, vouchers and more.

Exceptions –

• No reward points are given on fuel purchases, rent payments, e-wallet loading transactions, government spends
• 0.25% benefit on utilities and insurance spends (1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend)

Up to 0.25% additional reward through ICICI Milestone program 

• Earn 2000 reward points worth ₹500, upon ₹2 lakhs yearly card spend - 0.25% reward
• Earn additional 1000 reward points worth ₹250, on each additional ₹1 lakh you spend during the year - 0.25% benefit
• You can earn a maximum of 10,000 reward points per year, under this program.

Complimentary domestic airport lounge access – 1 time per quarter || Minimum card spending of ₹75000 required in the previous quarter

Complimentary railway lounge access – 1 time per quarter

25% discount (up to ₹100) at BookMyShow movie tickets - 2 times per month

• You can avail this offer 2 times a month, at BookMyShow
• When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
• Hence you get a 25% discount on movie ticket transactions up to ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

25% discount (up to ₹100) at Inox movie tickets - 2 times per month

• You can avail this offer 2 times a month, at Inox
• When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
• Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

1% fuel surcharge waiver, valid only on HPCL fuel transactions between ₹400 and ₹4000

Lifetime free premium card, exclusively for Indian Defence and Paramilitary personnel

2.50% benefit on grocery & department store purchases (5X)

• 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
• This is valid only on total monthly purchases up to ₹10,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.50% benefit on all other card spends (X)

• 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

Exceptions: No reward points are given on fuel purchases, utility bills, government transactions, insurance, rent payments, e-wallet loading transactions, international spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal loan on credit card, all types of card fees and other charges.

Complimentary international airport lounge access – 1 time per year

Complimentary domestic airport lounge access – 2 times per quarter. This benefit is applicable only if you have spent a minimum of ₹75,000 on your credit card, in the previous quarter

Complimentary golf rounds, up to 4 rounds per month

• You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
• Up to a maximum 4 rounds per month (₹50,000 monthly card spend required for each round of golf).

Complimentary insurance benefits

• Personal accident insurance of ₹2 lakh
• Air accident cover of ₹20 lakhs

Fuel surcharge waiver, up to ₹250 per month

• 1% waiver fuel surcharge waiver only on fuel transactions between ₹400 and ₹4000.
• And only on fuel purchases up to ₹25000 per month (since the waiver amount is limited to ₹250 per month).

3.50% reward on fuel purchases

• 2.50% cashback on HPCL fuel purchases (monthly cashback limit: ₹100, reached at ₹4000 monthly spend)
• 1% fuel surcharge waiver at HPCL fuel stations, only on fuel transactions between ₹400 and ₹4000

0.50% reward on other spends

• 2 reward points worth ₹0.50 on every ₹100 spent
• Reward points redemption: 1 reward point = 0.25 (25 paise), and can be redeemed on ICICI’s rewards redemption platform for a variety of vouchers and products.

Important exclusions & restrictions: 

• No reward points on non-HPCL fuel, rent, e-wallet loads, EMI transactions, balance transfer, personal loan on credit cards, cash advance, payments of fees, interest and other charges
• 0.25% reward on insurance and utilities: 1 reward point on every ₹100 spent

25% discount on BookMyShow movie tickets 

• Offer valid if you purchase a minimum of 2 tickets
• When you purchase a minimum of two tickets, you get a 25% discount (up to ₹100)
• Valid 2 times per month

3% reward (in terms of Adani Reward Points): Earn 3 Adani Reward Points on every ₹100 spent in these categories -

• Adani One ecosystem spends (flights, hotels, trains) 
• Adani managed airports (duty free, participating stores)
• Gas, Electricity, and more

1.50% reward (in terms of Adani Reward Points) on international card spends: Earn 1.50 Adani Reward Points on every ₹100 spent abroad

1% reward (in terms of Adani Reward Points) on all other card spends: Earn 1 Adani Reward Points on every ₹100 spent on all other card purchases

Exceptions:

• No reward points are given on fuel and rental spends
• On insurance and utilities, you earn 0.50% reward

Exclusive benefits at Adani One airports

• 2 premium lounge upgrades every quarter
• 2 valet parking every year
• 2 premium car parking every year on card activation
• Up to 4 porter services every year (2 porter services on every ₹1 lakh card spent, maximum of 4 porter services every year)

Complimentary domestic lounge access - 2 times per quarter

25% (up to ₹100) discount on BookMyShow movie tickets - 2 times per month. A minimum of 2 tickets need to be booked to avail offer

Fuel surcharge waiver on all fuel transactions up to ₹4000

Lifetime free card, exclusively for Indian Defence and Paramilitary personnel

1.25% reward on grocery and department store purchases (5X)

• 5 reward points worth ₹1.25, on every ₹100 spent
• This is valid only on total monthly purchases up to ₹20,000 across these categories (since you can earn a maximum of 1000 reward points at this special rate).
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.25% reward on all other spends (X)

• 1 reward points worth ₹0.25, on every ₹100 spent
• Important exclusions: No reward points are given on fuel purchases, rent, e-wallet loading transactions, utility bills, government transactions, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal loan on credit card fees and other charges.

Domestic airport lounge access – 1 time per quarter. This benefit is applicable only if you have spent a minimum of ₹75000 on your credit card, in the previous quarter.

Complimentary insurance benefits

• Personal accident insurance of ₹2 lakh
• Air accident cover of ₹20 lakhs

1% fuel surcharge waiver (up to ₹250 per month)

Up to 6% reward on MakeMyTrip bookings (up to 6 MMT myCash per ₹100 spent):

• Hotel bookings: 6% myCash (unlimited/no cap)
• Flight bookings: 3% myCash (unlimited/no cap)
• Holiday packages: 3% myCash (unlimited/no cap)
• Cab bookings: 3% myCash (unlimited/no cap)
• Bus bookings: 3% myCash (unlimited/no cap)

1% reward on other spends, including UPI spends on RuPay card variant

myCash Redemption Process

• myCash can be redeemed on the MakeMyTrip website or mobile app while booking flights, hotels, holiday packages, trains, buses, cabs, and visas
• Value: 1 myCash = ₹1

Airport lounge access benefits

• Domestic lounges: 2 complimentary visits per quarter (8 per year)
• International lounges: 1 complimentary visit per calendar year
• No spending requirement: Unlike many other cards, there's no minimum card spending criteria for lounge access

Movie benefits, worth up to ₹300 per month

• BookMyShow: Buy one ticket, get 25% off (up to ₹150) on the second ticket, once per month
• INOX: Similar movie ticket offer

Welcome Benefits Worth ₹8,000+

• ₹1,000 MakeMyTrip Voucher: Valid for 12 months on flights, hotels, holiday packages, bus and cab bookings
• MMTBLACK Gold Membership: Complimentary membership with benefits worth up to ₹7,000

Yearly Benefits 

• Every year upon paying the annual fee, you receive a ₹1,000 MakeMyTrip Hotel Voucher valid for 3 months 
• This effectively reduces your net annual fee to zero when you factor in the voucher value