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 1.49% forex markup, and accelerated rewards on international spends.
Where value may drop
The renewal fee is waived only on Rs 25 lakh of annual spend. Fuel and rent 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 ICICI Bank 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 | ICICI Bank Reward Points/yr |
|---|---|---|
| Utility bills | Rs 3,000 | 720 |
| International spends | Rs 5,000 | 1,500 |
| Other spends | Rs 8,000 | 1,920 |
| Insurance | Rs 2,000 | 480 |
| Education | Rs 3,000 | 720 |
| Tax / Government payments | Rs 2,000 | 480 |
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 International Spends
2.5 Reward Points / Rs 100 spent
Best for airport lounge access
Unlimited complimentary lounge visits a year across domestic and international.
Best for international spends
A low 1.49% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns ICICI Bank Reward Points you can put toward flights, hotels, or transfer partners.
Avoid if your spend is low
The Rs 20,000 fee waives only at Rs 25 lakh/year, and some benefits can be spend-gated.
Avoid if you spend big on fuel and rent
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 | Monthly cap |
|---|---|---|
| International spends | 2.5 Reward Points / Rs 100 spent | - |
| Utility, Insurance, Education & Government spends | 2 Reward Points / Rs 100 spent | 5,000 ICICI Bank Reward Points |
| Other spends | 2 Reward Points / Rs 100 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.
- Priority Pass is provided to both primary and Plus cardholders.
Exclusions
Categories that earn no rewards on this card.
- fuel transactions
- rent payments
- EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Luxury Stay Gift Card from EaseMyTrip (₹10,000) or Lohono Stays (₹12,000)
- Lifestyle Gift Cards from Toni & Guy and Interflora
- Travel visa benefits with Atlys and OneVasco
- Special membership offers and event access at The Quorum Club
Additional benefits
- Exclusive co-branded luxury card in partnership with Times Internet
- No flight/hotel cancellation charges up to ₹12,000 on domestic bookings
Eligibility
Check this before you apply.
Salaried
- Indian citizen over 21 years of age
- Requires a net monthly income of ₹2,00,000
Self-employed
- Indian citizen over 21 years of age
- Requires an annual ITR / income of ₹24,00,000
Compare before you decide
Alternatives based on what you might want instead.
ICICI Bank Emeralde Private Metal Credit Card
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PIONEER Legacy Credit Card
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