ICICI Bank IRCTC Railway Lounge Access Offers Credit Cards in India 2026

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

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

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

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