ICICI Bank Credit Cards in India 2026

3.50% cashback on fuel purchases 
✔︎ 2.50% special cashback on HPCL fuel purchases
- You earn ₹2.50 cashback, on every ₹100 you spend at HPCL pumps.
- This benefit is valid only on HPCL fuel expenses upto ₹8000 per month, since maximum cashback is capped at ₹200 per month.
- This benefit is applicable only on a minimum fuel transaction amount of ₹500.
✔︎ 1% fuel surcharge waiver at all fuel stations, only on fuel transactions upto ₹4000 per month

0.50% benefit on all other card spends
– You earn 2 reward points worth ₹0.50 (50 paise), on every 100 you spend on all other card purchases.
– 1 reward point = 0.25 (25 paise), and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.
– Exceptions : No rewards are given on non-HPCL fuel spends, EMI transactions, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, payments of fees, interest and other charges.

Complimentary domestic airport lounge access – 1 time per quarter
– This benefit is applicable only if you spend a minimum of ₹5000 on your credit card, in the previous quarter

25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
– Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

25% discount (upto ₹100) at Inox movie tickets - 2 times per month
– You can avail this offer 2 times a month, at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
– Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

Complimentary road side assistance with add-on benefits : On-site roadside repair, vehicle towing to the nearest authorized workshop, taxi services, fuel delivery, locked/lost key benefit, accommodation / emergency assistance, vehicle repatriation, replacement / courtesy car, replacement of battery, car wash and general checkup, car concierge and more.

Domestic adventure road trip
– Exclusive week-long adventure roadtrip, partially sponsored, especially curated for you with self- drive in personal vehicles.
– Accompanied by expert adventure guides
– This trip is organised every year for top spenders of Accelero ICICI Bank Credit Cards.

Benefits
– Automobile card, which gives higher benefit on fuel purchases, complimentary roadside assistance with add on benefits like complimentary car wash, and chance to participate in an adventure road trip.
– Complimentary domestic airport lounge access – 1 time per quarter.
– Discount on movie tickets

Drawbacks to consider
– Will need to consider other credit cards, to get benefits on other important spends like shopping, travel.

Cashback at various partners –
✔︎ 5% special cashback on a variety of partners including Amazon
– Shopping : Amazon || Amazon Prime || Big Basket || Grofers || Myntra || Furlenco
– Travel : Goibibo || MakeMyTrip || Ola
– Dining : Zomato || Swiggy
– Entertainment : Gaana || BookMyShow || PVR || Inox
– Health & Fitness : Fitternity
✔︎ 1% cashback on all other card spends
✔︎ Restrictions : Maximum ₹750 cashback given, per month

7% discount on domestic hotels || 4% discount on domestic flights - at Goibibo
– 7% discount (upto ₹5000 per month) on domestic hotels - at Goibibo
– 4% discount (upto ₹600 per month) on domestic flights - at Goibibo

5% discount (upto ₹300 per month) - at Tata CLiQ
– 5% discount at Tata CLiQ, on spends upto ₹6000 per month (since maximum discount is restricted to ₹300 per month)
– 5% discount is applicable only on orders above  ₹1000

Complimentary domestic airport lounge access – once per month

Complimentary rail lounge access – once per month

Complimentary 2-month Eazydiner Prime membership

Complimentary 6-month Mindhouse app subscription

Fuel surcharge waiver
– You get 1% fuel surcharge waiver only on fuel transactions upto ₹4000, and only at HPCL pumps

Benefits
– 5% cashback on a variety of partners including Amazon
– Hotel (7%) & flight (4%) discounts at Goibibo
– Complimentary domestic airport lounge access (once per month), and rail lounge access (once per month)
– Complimentary 2-month Eazydiner Prime membership, and complimentary 6-month Mindhouse app subscription

Drawbacks to consider
– You need to stick to select partners to enjoy cashback and discount benefits

3% benefit on hotel bookings & holiday bookings || 2% benefit on flight bookings – on MakeMyTrip only
– On MakeMyTrip : 3 MyCash Points worth ₹3, on every ₹100 you spend on hotel bookings & holiday bookings || 2 MyCash Points worth ₹2, on every ₹100 you spend on flight bookings
– 1 MyCash Point = ₹1. MyCash Points are available in your MakeMyTrip wallet (MyWallet), and can be used to make travel bookings on MakeMyTrip, or to purchase partner vouchers through MakeMyTrip. MyCash cannot be used for rail bookings, offline holiday bookings and ‘Pay at Hotel’ bookings
– My Cash is valid for 1 year

1.25% benefit on international spends
– You earn 1.25 MyCash Points worth ₹1.25, on every ₹100 you spend on your card outside India. 1 MyCash Point = ₹1.

1% benefit on all other card spends
– You earn 1 MyCash Points worth ₹1, on every 100 you spend on all other card purchases. 1 MyCash Point = ₹1.
– Exception : No rewards are given on fuel spends, cash advances, card fees & charges, EMI transactions, balance transfer (BT), personal loan on cards.

Milestone program – upto 2% additional benefit on MakeMyTrip spends
– 1000 MyCash Points worth ₹1000, at yearly card spend of ₹50,000 on MakeMyTrip (on flights, hotels, or holiday bookings) - 2% benefit
– Additional 1000 MyCash Points worth ₹1000, at yearly card spend of ₹2.50 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings). Hence you could earn a total of 2000 MyCash Points worth ₹2000, at yearly card spend of₹2.50 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings) - 0.80% benefit

Complimentary domestic airport lounge access – 1 time per quarter

Complimentary domestic railway lounge access – 1 time per quarter

25% discount (upto ₹100) on movie tickets at BookMyShow and Inox - 2 times per month
– You can avail this offer 2 times a month at BookMyShow, and 2 times a month at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
– Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver, only on HPCL fuel transactions below ₹4000.

Benefits
– Good starter travel credit card, free from 2nd year onwards
– Complimentary domestic airport lounge access, and complimentary railway lounge access
– Movie benefits

Drawbacks to consider
– Reward earning is restricted to MakeMyTrip platform
– You need to consider other credit cards to earn rewards on non-travel card spends

6.50% earning on fuel purchases
✔︎ 4% cashback on all HPCL fuel purchases
– You earn ₹4 cashback, on every ₹100 you spend at HPCL pumps.
– This is valid only on HPCL fuel purchases upto ₹5,000 per month.
✔︎ 1.50% additional benefit on HPCL fuel purchase, only through HP Pay App
– You earn additional 6 Payback Points worth ₹1.50, on every ₹100 you spend at HPCL outlets through the HP Pay app.
– This is valid only on fuel purchases upto ₹5,000 per month.
– 1 Payback point = ₹0.25 (25 paise), and can be redeemed on Payback India (now called zillionrewards).
✔︎ 1% fuel surcharge waiver at all fuel stations – only on fuel purchases upto ₹4000 per month, since the maximum waiver amount is restricted to ₹40 per month.

5% benefit on departmental store purchases || electricity/ mobile bill payments
– You earn 20 reward points worth ₹5, on every ₹100 you spend in these categories. 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.
– This benefit is valid only on total purchases of upto ₹2000 per month in these categories, since you can earn a maximum of 400 accelerated reward points per month.

0.50% benefit on all other card purchases 
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other purchases.
- 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.

Complimentary airport lounge access in India – 1 per quarter 
– This is valid in a particular quarter only if you have spent a minimum of ₹5000 in the previous quarter.

25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

25% discount (upto ₹100) at Inox movie tickets - 2 times per month
– You can avail this offer 2 times a month, at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

24/7 automobile assistance privileges – including assistance over the phone, “on-site” vehicle repair, locked or lost keys support, flat tyre support, battery jumpstart, battery replacement & fuel delivery.

Benefits
– Attractive benefit of 6.50% on HPCL fuel spends
– 5% benefit at departmental stores, electricity & mobile bills
– Complimentary lounge access at domestic airport lounges
– Movie ticket benefits of upto ₹400 per month
– 24/7 automobile assistance privileges

Drawbacks
– May not be suitable for high fuel spenders (monthly fuel expenses exceeding ₹5000)
– Low monthly spend limit to get 5% benefit on departmental store purchases, and on electricity & mobile bill payments.
– You will need to consider other cards to earn higher reward on non-fuel spends

0.50% benefit on all card purchases
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.
Exceptions –
– No reward points are given on fuel purchases.
– 0.25% benefit on utilities and insurance spends (1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend).

1% benefit on all international spends
– You earn 4 reward points worth ₹1, on every ₹ 100 you spend on all international transactions.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.

ICICI milestone program – upto 0.25% reward
– 2000 reward points worth ₹500, at ₹2 lakhs yearly card spend
– Additional 1000 reward points worth ₹250, on each additional ₹1 lakh you spend during the year
– You can earn a maximum of 10,000 reward points per year, under this program.

Complimentary lounge access at international airports – 2 times per year

Complimentary domestic airport lounge access – 4 per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary spa sessions at airports in India – 2 times per year

Complimentary golf rounds, upto 4 rounds per month
– 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
– Upto a maximum 4 rounds per month
(You can choose to take a free golf lesson, instead of a free golf round)

BOGO ('Buy One Get One Free') at BookMyShow movies, benefits upto ₹1000 per month
– Buy one movie ticket and get upto ₹500 off on the second ticket, at BookMyShow.
– This offer can be availed maximum 2 times per month.

1% fuel surcharge waiver
– You get a 1% waiver fuel surcharge, only on fuel transactions upto ₹4000.

24X7 concierge services : Services include restaurant referral and reservation, flower and gift assistance, hotel referral and reservation, flight referral and reservation, car rental and limousine service, booking and delivery of movie tickets, medical concierge privileges, emergency auto assistance across India

Benefits
– The card card provides some good lifestyle benefits like complimentary access to international & domestic airport lounges, complimentary golf, and BOGO (Buy One Get One Free) offer on movie tickets

Drawbacks to consider
– Reward rate on card spends is low

0.50% benefit on all card purchases in India
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all purchases.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.
Exceptions :
– No reward points are given on fuel purchases.
– 0.25% benefit on utilities and insurance spends : You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on utilities and insurance spends.

1% benefit on all international card spends 
– You earn 4 reward points worth ₹1, on every ₹ 100 you spend on all international transactions.
–1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.

ICICI milestone program - upto 0.25% benefit
– You earn 2000 reward points worth ₹500, at ₹2 lakh yearly card spend
– You get additional 1000 reward points worth ₹250, on each additional ₹1 lakh you spend during the year
– You can earn a maximum of 10,000 reward points per year, under this program.

Complimentary domestic airport lounge access – 2 times per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card in the previous quarter

Complimentary railway lounge access – 2 times per quarter 

Complimentary golf rounds - upto 2 rounds per month
– You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month. Maximum 2 rounds per month.
- You can choose to take a free golf lesson, instead of a free golf round.

25% discount (upto ₹150) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow.
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

25% discount (upto ₹150) at INOX movie tickets - 2 times per month
– You can avail this offer 2 times a month, at INOX
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% waiver fuel surcharge, only on fuel transactions below ₹4000.

24×7 premium concierge services
You get unparalleled convenience with i-Assist, ICICI Bank’s 24×7 premium concierge service designed to cater to all your needs.
– Hotel referral and reservation
– Restaurant referral and reservation
– Flight referral and reservation
– Car rental and limousine service
– Flower and gift assistance
– Booking and delivery of movie tickets
– Medical concierge privileges
– Emergency auto assistance across India

Benefits
– Good lifestyle benefits like complimentary access to domestic airport and railway lounges (2 times per quarter), complimentary golf (upto 2 times a month), and 25% movie discounts

Drawbacks to consider
– The reward rate on card spends is low

No annual fee card

Low minimum income requirement of ₹2.50 lakhs per year

0.50% benefit on all card purchases
– You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all card purchases.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.
Exceptions :
– No reward points are given on fuel purchases.
– 0.25% benefit on utilities and insurance spends : You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on utilities and insurance spends.

Benefits from Visa (Visa Privileges)
– Visa Platinum Concierge : You get a 24/7 digital personal assistant and lifestyle guide, giving you access to extraordinary experiences and exclusive privileges.
– Offers from Visa : You enjoy a variety of exclusive hotel, dining, shopping, and other lifestyle offers when you travel in Asia
– Global Customer Assistance : This service helps you block your card (if required), get a replacement card and also get emergency cash. Please click here to view details of all Visa benefits Visa Offers & Benefits

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver on fuel transactions under ₹4000, at HPCL fuel outlets.

Benefits
– Lifetime free credit card.
– The card also has one of the lowest income eligibility criteria, amongst all ICICI Bank credit cards.

Drawbacks to consider
– The reward rate on card spending is low.

Lifetime free premium card, exclusively for Indian Defence and Paramilitary personnel

2.50% benefit on canteen stores departments (CSD) purchases || grocery purchases || department store purchases (5X)
– You get 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– This is valid only on total monthly purchases upto ₹10,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.50% benefit on all other card spends (X)
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.
– Note : No reward points are given on fuel purchases, utility bills, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal Loan on credit card fees and other charges.

Complimentary international airport lounge access – 2 times per year

Complimentary domestic airport lounge access – 2 times per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary domestic railway lounge access – 2 times per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary golf rounds, upto 4 rounds per month
– You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
– Upto a maximum 4 rounds per month (₹50,000 monthly card spend required for each round of golf).

Complimentary insurance benefits
– Personal accident insurance of ₹2 lakh
– Air accident cover of ₹20 lakhs

Benefits
– Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
– Higher benefit of 2.50% on various types of shopping purchases including canteen stores departments (CSD) purchases. And also on grocery and department store purchases
– Complimentary international airport lounge access (2 times per year)
– Complimentary domestic airport lounge access (2 times per quarter)
– Complimentary domestic railway lounge access (2 times per quarter)
– Complimentary golf rounds, upto 4 rounds per month

Drawbacks to consider
– The reward rate on non-shopping spends like travel, fuel etc is low

Lifetime free card, exclusively for Indian Defence and Paramilitary personnel

1.25% benefit on canteen stores departments (CSD) purchases || grocery purchases || department store purchases (5X)
– You get 5 reward points worth ₹1.25, on every ₹100 you spend in these categories
– This is valid only on total monthly purchases upto ₹20,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.25% benefit on all other spends (X)
– You earn 1 reward points worth ₹0.25 (25 paise), on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.
– Note : No reward points are given on fuel purchases, utility bills, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal Loan on credit card fees and other charges.

Complimentary domestic airport lounge access – 1 time per quarter

Complimentary insurance benefits
– Personal accident insurance of ₹2 lakh
– Air accident cover of ₹20 lakhs

Fuel surcharge waiver, upto 250 per month : You get a 1% waiver fuel surcharge waiver-
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹25000 per month (since the waiver amount is limited to ₹250 per month)

Benefits
– Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
– Higher benefit of 1.25% on various types of shopping purchases including canteen stores departments (CSD) purchases. And also on grocery and department store purchases
– Complimentary domestic airport lounge access – 1 time per quarter

Drawbacks to consider
– Reward rates on card spending are comparatively low.

Lifetime free card : The card has no annual fee.

1% cashback on all card spends 
– You earn ₹1 cashback, on every ₹100 you spend on your card.
– This benefit is applicable only on spends upto ₹10000 per month, since the maximum cashback is restricted to ₹100 per monthly card statement cycle.
– Exceptions : No cashback is given on the following card spends – fuel, utility, insurance, cash withdrawals, EMIs, and bank fees.

Fuel surcharge waiver : 1% fuel surcharge waiver is given only on fuel transactions upto ₹4000, and only at HPCL pumps.

Benefits
– Lifetime free card
– Good starter card

Drawbacks to consider
– Rewards & benefits are low

Top most card spender gets a signed Manchester United jersey
- The top most card spender every month, across both variants of the ICICI Bank Manchester United Card, gets a signed Manchester United jersey.
- ICICI has 2 variants of the Manchester United credit card – ICICI Bank Manchester United Platinum Credit Card, and ICICI Bank Manchester United Signature Credit Card (which we are reviewing here).

Top 18 card spenders get a fully paid “Manchester United Experience”
– Private tour of the stadium and museum in Manchester, England
– Opportunity to watch a part of a training session, of the First Team Squad
– A visit to the Manchester United megastore at the stadium

Top 100 card spenders get a ‘Manchester United branded shirt’

Complimentary airport lounge access in India – 2 times per quarter

25% discount (upto ₹150) on movie tickets at BookMyShow and Inox - 2 times per month each
– You can avail this offer 2 times a month at BookMyShow, and 2 times per month at Inox.
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

Fuel surcharge waiver : on fuel transactions upto ₹4000, at all HPCL pumps

0.75% benefit on domestic card spends || 1.25% on Manchester United match days
– You get 3 reward points worth ₹0.75, on every ₹100 you spend on your card || 5 reward points worth ₹1.25, on every ₹100 card you spend on your card on Manchester United match days
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on ICICI rewards redemption platform for products, vouchers and more

1% benefit on international spends
– You get 4 reward points worth ₹1, on every ₹100 you spend on your card abroad
– 1 reward point = ₹0.25 (25 paise),and can be redeemed on ICICI rewards redemption platform for products, vouchers and more
– Exception : No reward points are given on fuel spends

Benefits
– Good card for Manchester United fans
– Complimentary airport lounge access

Drawbacks to consider
– Reward rate on card spends is low

Lifetime free card

3%-5% cashback on Amazon India
– Amazon Prime members : You earn ₹5 (in Amazon Pay balance) on every ₹100 you spend on Amazon India – no monthly limit on earning this special cashback
– Non-Prime members : You earn ₹3 (in Amazon Pay balance) on every ₹100 you spend on Amazon – no monthly limit on earning this special cashback
Exceptions-
– No casback is given on the following spends on Amazon India – physical and digital gold, all types of EMI transactions, Amazon Business transactions.
– 2% cashback is given on the following spends on Amazon India – Amazon gift card purchases, and e-book purchases.

2% cashback on 100+ Amazon Pay partners, by paying through your Amazon Pay Wallet : You earn ₹2 (in Amazon Pay balance) on every ₹100 you spend on 100+ Amazon Pay partner merchants. Amazon Partner merchants include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder etc.

1% cashback on all other spends : You earn ₹1 on every ₹100 you spend on all other card purchases.

1% fuel surcharge waiver : You get fuel surcharge waiver at all fuel stations, on fuel transactions upto ₹4,000.

Welcome benefits (limited time offer) through Amazon account
– Prime members : You get a welcome offer of upto ₹2000 in the form of coupons and cashback upon activation.
– Non-Prime members : You get a welcome offer of upto ₹1500 in the form of coupons and cashback upon activation, along with 3 months of complimentary Prime membership.

Benefits
– Good reward rate on Amazon India – 5% unlimited cashback for Prime members, 3% unlimited cashback for non-Prime members.
– 2% unlimited cashback on over 100+ Amazon Pay Partners .
– Not only is the Amazon Pay ICICI Bank Credit Card free for life, it also has very good welcome offers.
– High cashback rewards on Amazon have no monthly spending limit to earn these rewards, unlike many other credit cards in the industry which have monthly restrictions on earning high rewards.

Drawbacks
– Cashback rate is low for non-regular Amazon users, and for those who prefer in-store shopping.
– No lifestyle benefits such as complimentary airport lounge access.
– 5% cashback is restricted to Prime members only

Top most card spender gets a signed Manchester United jersey
- The top most card spender every month, across both variants of the ICICI Bank Manchester United Card, gets a signed Manchester United jersey.
- ICICI has 2 variants of the Manchester United credit card – ICICI Bank Manchester United Platinum Credit Card, and ICICI Bank Manchester United Signature Credit Card (which we are reviewing here).

Top 18 card spenders get a fully paid “Manchester United Experience”
– Private tour of the stadium and museum in Manchester, England
– Opportunity to watch a part of a training session, of the First Team Squad
– A visit to the Manchester United megastore at the stadium

Top 100 card spenders get a ‘Manchester United branded shirt’

Complimentary airport lounge access in India – 1 time per quarter

25% discount (upto ₹100) at BookMyShow and Inox movie tickets - 2 times per month
– You can avail this offer 2 times a month at BookMyShow, and 2 times a month at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

Fuel surcharge waiver on fuel transactions upto ₹4000, at all HPCL pumps

0.50% benefit on domestic card spends || 0.75% benefit on Manchester United match days
– You get 2 reward points worth ₹0.50, on every ₹100 you spend on your card || 3 reward points worth ₹0.75, on every ₹100 you spend on your card on Manchester United match days
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on ICICI's rewards redemption platform for products, vouchers and more
– Exception : No reward points are given on fuel spends.

Benefits
– Good card for Manchester United fans
– Complimentary airport lounge access and movie benefits

Drawbacks to consider
– Reward rate on card spends is low

3.50% cashback on fuel purchases - on fuel purchases upto ₹4000 per month
✔︎ 2.50% cashback on HPCL fuel purchases
- You earn ₹2.50 cashback, on every ₹100 you spend at HPCL pumps.
- This benefit is valid only on HPCL fuel expenses upto ₹4000 per month, since maximum cashback is capped at ₹100 per month.
– This benefit is applicable only on a minimum fuel transaction amount of ₹500.
✔︎ 1% fuel surcharge waiver – at all fuel stations, only on all fuel purchases upto ₹4000 per month.

0.25% benefit on all other spends
– You earn 1 reward point worth ₹0.25 or 25 paise, on every 100 you spend on all other card purchases.
– 1 reward point = 0.25 (25 paise), and can be redeemed on ICICI’s rewards redemption platform for a variety of vouchers and products.
– Exceptions : No reward points are given non-HPCL fuel, EMI transactions, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, payments of fees, interest and other charges.

25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% waiver fuel surcharge, only on HPCL fuel transactions below ₹4000.

Benefits
– Entry level fuel card, you get 3.50% cashback on HPCL fuel purchases upto ₹4000 per month
– Low annual fee of ₹199
– Low annual card spend requirement of ₹50,000, to get an annual fee waiver

Drawbacks to consider
– You can get higher reward rates on other fuel cards.
– You will need to consider other cards to get benefits on non-fuel spends like shopping, travel etc.

Personalised appearance of credit card
– You can personalise your credit card as you like.
– You can pick and choose from a gallery of 175+ designs, and choose what defines you best – sports, adventure, travel, music, food, fashion, nature or wildlife.
– You can also upload your own picture, one which defines you, which takes you down your memory lane or keeps you closer to your loved ones

0.75% benefit on all card spends
– You earn 3 reward points worth ₹0.75 or 75 paise, on every ₹100 you spend on all purchases.
– 1 rewards point = ₹0.25 or 25 paise. You can redeem your reward points for various options, including shopping, travel and entertainment vouchers.
Exceptions
– No reward points are given on fuel spends.
– Card spends on utilities and insurance categories earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend in these categories.

Complimentary domestic airport lounge access – 1 time per quarter
– You get free visits to airport lounges in India, 1 time per quarter
– This benefit is applicable only if you spend a minimum of ₹5000 on your credit card, in the previous quarter

25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

Fuel surcharge waiver
– You get a 1% waiver fuel surcharge, only on HPCL fuel transactions below ₹4000

Benefits
– You can personalise the appearance of your credit card
– Complimentary domestic airport lounge access

Drawbacks to consider
– The reward rate on card spending is comparatively low

0.50% benefit on all purchases 
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹ 100 you spend on all purchases.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for products, vouchers and more.
Exceptions –
– No reward points are given on fuel purchases.
– 0.25% benefit on utilities and insurance spends (1 reward point worth ₹0.25 or 25 paise, on every ₹ 100 you spend).

ICICI Milestone program - upto 0.25% additional benefit
– You earn 2000 reward points worth ₹500, upon ₹2 lakhs yearly card spend
– You get additional 1000 reward points worth ₹250, on each additional ₹1 lakh you spend during the year
– You can earn a maximum of 10,000 reward points per year, under this program.

Complimentary domestic airport lounge access – 1 per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary railway lounge access – 1 per quarter

25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

25% discount (upto ₹100) at Inox movie tickets - 2 times per month
– You can avail this offer 2 times a month, at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% waiver fuel surcharge, only on HPCL fuel transactions below ₹4000.

Benefits
– Good choice for those starting their credit journey
– Complimentary access to domestic airport and railway lounges (once per quarter)
– 25% discount on movie tickets

Drawbacks to consider
– Reward rate on card spends is low

2% Reward (in terms of Emirates Miles) on all card spends
– Get get 2 Emirates Miles, on every ₹100 you spend on your card

Free airport lounge access in India – 2 per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Free airport lounge access abroad and domestic spa access – 2 per year
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary Emirates Skywards Silver membership
– You get complimentary Emirates Skywards Silver membership, at the time of joining
– This membership is renewed in the 2nd year, only if you have spent a minimum of ₹5 lakh on your card in the previous year (milestone benefit)

BOGO (Buy One Get One Free movie ticket upto ₹500) at BookMyShow movies - 2 times per month
– Buy one movie ticket and get upto ₹500 off on the second ticket, at BookMyShow.
– This offer can be availed maximum 2 times per month.

Fuel surcharge waiver upto ₹250 per month, only at HPCL pumps
– You get 1% fuel surcharge waiver, on HPCL fuel transactions between ₹400 and ₹4000 only, and
– Only on fuel spends upto ₹25000 per month, since the maximum waiver is capped at ₹250 per month.

Benefits
– Good card for frequent fliers of Emirates Airlines
– Travel benefits like complimentary lounge access
- Movie benefits

Drawbacks to consider
– You are restricted to fly Emirates only, to earn rewards

1.50% Reward (in terms of Emirates miles) on all card spends
– You get 1.50 Emirates Miles, on every ₹100 you spend on your card

Free airport lounge access in India – 1 per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

25% discount (upto ₹100) at Inox movie tickets - 2 times per month
– You can avail this offer 2 times a month, at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

Fuel surcharge waiver upto ₹250 per month, only at HPCL pumps
– You get 1% fuel surcharge waiver, on HPCL fuel transactions between ₹400 and ₹4000 only, and
– Only on fuel spends upto ₹25000 per month, since the maximum waiver is capped at ₹250 per month.

Benefits
– Good card for frequent fliers of Emirates Airlines, you earn Emirates Miles on all card spends
– Travel benefits like complimentary lounge access

Drawbacks to consider
– You are restricted to fly Emirates only, to earn rewards

2.50% Reward (in terms of Emirates miles) on all card spends
– You get 2.50 Emirates Miles, on every ₹100 you spend on your card

Unlimited free airport lounge access both in India and abroad, as well as domestic spa sessions in India

Complimentary Emirates Skywards Silver membership

Milestone benefit – complimentary Emirates Skywards Gold membership, at ₹15 lakhs annual card spend (out of which minimum ₹1.50 lakhs should be on Emirates)

BOGO (Buy One Get One Free movie ticket upto ₹750) at BookMyShow movies - 4 times per month
– Buy one movie ticket and get up to ₹750 off on the second ticket, at BookMyShow.
– This offer can be availed maximum 4 times per month.

Fuel surcharge waiver
– You get 1% fuel surcharge waiver, on all fuel transactions upto ₹4000, at any fuel outlet

Benefits
– Good card for frequent fliers of Emirates Airlines
– Travel benefits like unlimited complimentary lounge access both in India and abroad

Drawbacks to consider
– You are restricted to fly Emirates only, to earn rewards

Marquee player autographed memorabilia – for top 5 credit card spenders each month

Exclusive Chennai Super Kings Experience benefits – as per campaigns run from time to time
– Meet & Greet with select players
– Attend a practice session with the Chennai Super Kings Team
– Complimentary match tickets

Complimentary airport lounge access in India – 1 time per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

25% discount (upto ₹100) at BookMyShow and Inox movie tickets - 2 times per month
– You can avail this offer 2 times a month at BookMyShow, and 2 times per month at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

2.50% benefit on all card spends on CSK match days || 0.50% benefit on other days
– You get 10 reward points (worth ₹2.50) on every ₹100 spent on CSK match days || 2 reward points (worth ₹0.50) on every ₹100 spent on other days
– 1 reward point = ₹0.25 (25 paise)
– Exceptions : You get 1 reward point worth ₹0.25, on every ₹100 spent on insurance and utilities. No reward points are given on fuel spends.

Benefits
– Good card for CSK fans
– Complimentary lounge access

Drawbacks to consider
– Reward rate on card spends is low

4% benefit on hotel bookings & holiday bookings || 2% benefit on flight bookings – only on MakeMyTrip
– On MakeMyTrip : 4 MyCash Points worth ₹4, on every ₹100 you spend on hotel & holiday bookings || 2 MyCash Points worth ₹2, on every ₹100 you spend on flight bookings
– 1 MyCash Point = ₹1. MyCash Points are available in your MakeMyTrip wallet (MyWallet), and can be used to make travel bookings on MakeMyTrip, or to purchase partner vouchers through MakeMyTrip. MyCash cannot be used for rail bookings, offline holiday bookings and ‘Pay at Hotel’ bookings
– MyCash Points are valid for 1 year

1.50% benefit on international card spends
– You earn 1.50 MyCash Points worth ₹1.50, on every ₹100 you spend on your card outside India. 1 MyCash Point = ₹1.

1.25% benefit on all other card spends
– You earn 1.25 MyCash Points worth ₹1.25, on every ₹100 you spend on all other card purchases. 1 MyCash Point = ₹1.
– Exceptions : No rewards are given on fuel spends, cash advances, card fees & charges, EMI transactions, balance transfer (BT), personal loan on cards.

Milestone program – upto 1% additional benefit on MakeMyTrip spends
– 1100 My Cash worth ₹1100, at yearly card spend of ₹2.50 lakh on MakeMyTrip (on flights, hotels, or holiday bookings) ~ 0.4% benefit.
– Additional 4000 My Cash worth ₹4000, at yearly card spend of ₹5 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings). Hence you could earn a total of 5100 My Cash worth ₹5100, at yearly card spend of₹5 lakhs on MakeMyTrip (on flights, hotels, or holiday bookings) ~ 1% benefit.

Complimentary domestic airport lounge access – 2 times per quarter

Complimentary domestic railway lounge access – 1 time per quarter

25% discount (upto ₹150) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow.
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

25% discount (upto ₹150) at INOX movie tickets - 2 times per month
– You can avail this offer 2 times a month, at INOX
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹150)
– Hence you get a 25% discount on movie ticket transactions upto ₹600. On transactions above ₹600, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver, only on HPCL fuel transactions below ₹4000.

Benefits
– On MakeMyTrip, can earn upto 3% on hotel & holiday bookings, and upto 2% on flight booking (including milestone benefits).
– Complimentary domestic airport lounge (2 times per quarter), and rail lounge access (once per quarter)
– Movie benefits at Inox and Bookmyshow – upto ₹600 per month
– Good card for frequent users of MakeMyTrip

Drawbacks to consider
– Reward earning is restricted to MakeMyTrip platform
– You would need to consider other credit cards to earn rewards on non-travel card spends