SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for luxury, travel, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 2% forex markup, and accelerated rewards on hotels via iShop.
Where value may drop
The renewal fee is waived only on Rs 10 lakh of annual spend. Fuel, rent, and wallet loads don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Groceries | Rs 5,000 | 1,800 |
| Utility bills | Rs 3,000 | 1,080 |
| Other spends | Rs 8,000 | 2,880 |
| Insurance | Rs 2,000 | 720 |
| Education | Rs 3,000 | 1,080 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Hotels Via iShop
72 Reward Points / Rs 200 spent (12X)
Best for airport lounge access
Unlimited complimentary lounge visits a year across domestic and international.
Best for international spends
A low 2% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid if your spend is low
The Rs 12,499 fee waives only at Rs 10 lakh/year, and some benefits can be spend-gated.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Daily cap | Monthly cap |
|---|---|---|---|
| Hotels via iShop | 72 Reward Points / Rs 200 spent (12X) | 10,000 reward points | 18,000 reward points |
| Flights via iShop | 36 Reward Points / Rs 200 spent (6X) | 10,000 reward points | 18,000 reward points |
| Utility spends | 6 Reward Points / Rs 200 spent | - | 1,000 reward points |
| Grocery spends | 6 Reward Points / Rs 200 spent | - | 1,000 reward points |
| Education spends | 6 Reward Points / Rs 200 spent | - | 1,000 reward points |
| Insurance spends | 6 Reward Points / Rs 200 spent | - | 5,000 reward points |
| Other spends | 6 Reward Points / Rs 200 spent | - | - |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Maharaja Club | 1:1 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Unlimited domestic and international lounge access applies to both primary and add-on cardholders, with no spend-based criteria.
- Unlimited domestic and international lounge access applies to both primary and add-on cardholders, with no spend-based criteria.
- Complimentary Priority Pass membership for both the primary and Plus cardholder
- Comp Priority Pass is provided to primary and Plus cardholders; guest visits are charged at USD 27 plus GST.
Exclusions
Categories that earn no rewards on this card.
- fuel transactions
- rent payments
- government transactions and services
- tax payments
- e-wallet loading
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 12,500 ICICI Bank Reward Points on payment of joining fee
- Complimentary one-year Taj Epicure Plus membership including one-night stay voucher on card activation
- Complimentary one-year EazyDiner Prime membership on card activation
Renewal benefits
- 12,500 ICICI Bank Reward Points on payment of annual fee
- Complimentary annual renewal of Taj Epicure and EazyDiner Prime memberships
Additional benefits
- Unlimited complimentary golf rounds and lessons every month at premier courses
- Complimentary Priority Pass membership for both the primary and Plus cardholder
- Buy-One-Get-One (BOGO) movie, show or event tickets worth up to Rs 750 via BookMyShow, up to twice a month
- Fuel surcharge waiver of 1% on transactions up to Rs 4,000
Eligibility
Check this before you apply.
Salaried
- Invite-only; typically offered to ICICI Bank Global Private Client / Private Banking customers
- Requires a net monthly salary of ₹3 Lakh or more
- Existing ICICI Bank credit cardholders with a credit limit of ₹10 Lakh or more are preferred
Self-employed
- Invite-only; typically offered to ICICI Bank Global Private Client / Private Banking customers
- Requires a high annual income / ITR (typically ₹36 Lakh or more)
- Existing ICICI Bank credit cardholders with a credit limit of ₹10 Lakh or more are preferred
Compare before you decide
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