ICICI Bank • The design your own ICICI card with rewards, movies and quarterly lounge access.
By Deepak • Co-founder, Credwiser
Figures checked against the issuer's official MITC • Last verified 21 October 2026 • How we score
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Expressions is the ICICI Bank card you can design yourself. You choose a face from a gallery of more than 175 designs or upload a photo of your own, and the bank prints the card after an image check. Under the design, it is a low fee starter card that earns 3 reward points per ₹100 on retail spends, a little more than the Coral, with movie discounts on BookMyShow, dining offers and one domestic lounge visit a quarter if you spend ₹75,000 in the previous quarter. The ₹499 annual fee is waived on ₹1,50,000 of yearly spends.
Joining fee ₹499 plus GST and annual fee ₹499 plus GST, as stated on the official card page, with the annual fee reversed on spends of ₹1,50,000 or more in the preceding year. From April 2026 the movie offer needs ₹25,000 of spends in the preceding quarter. Foreign currency markup is 3.5% plus GST.
Last verified against MITC: 21 October 2026 • View official MITC →
The joining fee is ₹499 plus GST and the annual fee is ₹499 plus GST. The annual fee is reversed if you spend ₹1,50,000 or more in the preceding year.
You pick an image from the bank's design gallery or upload your own picture when you apply. The card is issued only after the image passes ICICI Bank's image checking guidelines.
Spend ₹75,000 or more in a calendar quarter and you get one complimentary domestic lounge visit in the following quarter. The benefit is for the primary cardholder only.
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