Best ICICI Premium Credit Cards 2025

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

▶︎ 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

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

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

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