Credit Card Compare

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4,000 Membership Rewards Points on joining fee payment & on spending Rs. 15,000 within the first 90 days

2 reward points per Rs. 100 spent on retail purchases, except fuel

1 reward point per Rs. 100 spent on utility & insurance

Redeem reward points for products and vouchers on ICICI Bank Rewards platform

1 Membership Rewards Point per Rs. 50 spent, except on fuel, insurance, utilities, cash transactions & EMIs at POS

Redeem the earned rewards for vouchers of top brands against the 18 Karat & 24 Karat Gold Collection

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Lifetime free credit card

Up to 2X rewards earnings on card spends

Dining discount offers across a wide range of restaurants

Welcome benefits equivalent to the Rs. 1,000 joining fee

Reward points redemption against multiple brand vouchers

Exclusive access to 18 & 24 Karat Gold Collection for reward redemption

Renewal fee waiver on annual spends of Rs. 1.5 Lakh

Bonus reward points on first year card renewal

Low reward rate

No accelerated benefits on popular lifestyle-related categories, like travel, shopping, movies, etc.

No reward benefits on fuel, insurance & utility spends

Low base reward rate of 1 point per Rs. 50 spent

Beginners who want to build their credit score and are looking for a basic card with rewards benefits and dining discount

People who want to earn rewards and prefer to redeem them against popular brands like Flipkart, Amazon, Myntra, etc.