CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
ICICI Bank

ICICI Expressions Debit Card

24
Ranked #49 of 66 in debit
debitMastercardMid

ICICI Bank's mid-tier Expressions debit card offering personalized card design options alongside standard lounge access and reward point earning.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value6/100 · weight 71%
≈ 0.27% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.9% score bonus — earns broadly without narrow category restrictions.
Fee efficiency98/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks19/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
₹199 + 18% GST
= ₹235 / year total
Waiver: Not detailed as waivable; standard fee applies
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
diningpoints0.50%(2 pts @ ₹0.25)—2 Points per Rs 200 spent on dining
all_spendspoints0.25%(1 pts @ ₹0.25)—1 Point per Rs 200 spent on regular shopping

Welcome offer

Personalized card design option (choose from gallery images)

Milestone benefits

Pros

  • Customizable card design
  • lounge access eligibility
  • contactless (Paywave) payment support

Cons

  • Lounge access requires meeting spend threshold
  • modest ongoing reward economics

Insurance cover

text
₹NaN

Eligibility

text
ICICI Bank savings account holder

Small print

Fuel surcharge:1% waiver on fuel transactions