Expressions Credit Card

ICICI Bank Expressions Credit Card

Credit Cards have entirely changed the economic framework. Along with providing extensive financial freedom, credit cards are laden with features and benefits.

Every day, a new cardholder-convenience-enhancing feature is introduced.

Therefore, ICICI offers the Expression Credit Card at a time when products and services are being designed to give consumers a touch of uniqueness.

This selection of credit cards is for people who like to add a touch of individuality to their lives. More than 175 outstanding designs are available for cardholders to select from.

The ICICI Bank Expression Credit Card allows cardholders to select images from a variety of categories, including adventure, music, travel, wildlife, cuisine, sports, fashion, and nature.

To give the credit card a more personalised touch, cardholders can submit their own photo or a photo of themselves and their loved ones.

Let's explore the ICICI Bank Expression Credit Card's features, perks, fees, and charges in detail.

ICICI Bank Expression Card Benefits

This card is loaded with numerous beneficial features and benefits, some of which are specified below:

• This card is equipped with an embedded microchip that provides extra safeguards against fraud and duplication.
• Cardholders can personalise their cards with images of their choice. Alternatively, they can submit their own photos or those of their loved ones to add a more personalised touch to their credit card.
• Cardholders can earn three PAYBACK points for every one hundred rupees spent on retail purchases, excluding petroleum. These points can be readily redeemed for enticing products and merchandise.
• Cardholders can receive a discount of ₹ 100 up to two movie tickets per month when booking on BookMyShow. 
• They can take advantage of this discount twice per month and save nearly 2,400 rupees per year.
• They can receive a discount of 15% or more on their purchase at over 2,500 restaurants in over 12 Indian cities. This offer is available through the ICICI Bank Culinary Treats programme. 
• VISA cardholders have access to amazing offers. Luxury hotels, lifestyle stores, restaurants, and retreats in India and abroad extend these offers.
• Their ICICI Bank Expression Credit Card also grants them complimentary access to airport facilities in India, enhancing their travel experience. 
• Cardholders are entitled to one complimentary lounge visit per quarter and unlimited access for themselves and their accompanying visitors for a fee.

Cardholders can receive a 1% discount on the fuel surcharge whenever they refuel at HPCL outlets.

This offer is valid on a maximum expense of ₹ 4,000 per transaction at HPCL petrol pumps.

Features of Reward Points include:

• 3 PAYBACK Points per ₹ 100 spent on non-fuel retail spending.
• 1 Payback Point is earned for spending on utilities and insurance.
• The movie offer: up to ₹100 off the purchase of 2 movie tickets through BookMyShow; offer valid twice per month.
• Up to 20% off dining bills at more than 2,000 listed restaurants.
• Petroleum Surcharge Waiver – Up to ₹ 4,000 in petroleum transactions will not incur a fuel surcharge.
• Annual Fee Reversal - The annual fee will be waived if expenditures exceed ₹ 1,500,000.
• Lounge Access - 1 complimentary domestic visit per quarter.
• Offers from Visa - Benefit from exclusive Visa offers that are regularly updated on your credit card.

Here is a comprehensive review of the ICICI Bank Expressions Credit Card.

Fees and Charges: ICICI Bank Expression Credit Card

The process of applying for the ICICI Bank Expressions Credit Card

The application process for this credit card can be conveniently initiated by visiting the official website of ICICI Bank.

One may also choose to visit a branch of ICICI Bank to initiate the application process for a credit card.

How to Apply for the ICICI Bank Expression Credit Card

The process of applying for the ICICI Bank Expression Credit Card involves several steps.

The ICICI Bank Expression Credit Card can be received by people through both online and offline application methods.

In the next analysis, we will examine each of these strategies individually.

• To initiate the application process for the ICICI Bank Expression Credit Card, individuals are required to access the official ICICI Bank website at www.icicibank.com. 
• Once on the website, applicants can proceed with submitting their application for this particular credit card.
• The user will be required to choose a credit card from the available options displayed on the page.
• Subsequently, the user is required to select the "Apply Now" link available just beneath the card's specific details.
• Upon clicking, users will be redirected to a webpage where they will be required to provide their personal information.

The process of offline application for the ICICI Bank Expression Credit Card. 

In order to initiate the application procedure for an ICICI Bank Expression Credit Card, prospective applicants may contact the bank's representative by dialling the toll-free number 1800-200-3344.

Also, customers have the option to visit their nearest ICICI Bank branch to interact in direct conversation with a representative from the bank.

During this meeting, they can complete an application form and provide the necessary documentation to obtain the desired card.

The process of designing an ICICI Expression Credit Card

The process of designing an ICICI Expression Credit Card involves several key steps and criteria.

Applicants have the choice to Personalise (Customise) their ICICI Bank Expression Credit Card by following the following instructions provided:

To begin, users are required to access the official website of ICICI Bank at www.icicibank.com.

Once on the website, they should navigate to the available credit card options and choose the ICICI Bank Expression Credit Card from the list that is provided.

To initiate the process, the user is required to navigate to the left-hand side of the screen and locate the tab entitled "Design My Card."

Upon selecting the option mentioned earlier, users will be presented with a comprehensive compilation of images categorised into distinct groups.

Users have the option to choose any desired image for their credit card and proceed by selecting the "Apply Now" tab.

In a second approach, people have the option to record the Image Code associated with the photo and send a text message containing the abbreviation "EXP" to the phone number 5676766.

The bank executive will initiate contact in order to start the procurement procedure.

Eligibility Criteria : ICICI Bank Expression Credit Card

The present discourse aims to explain the eligibility criteria associated with the ICICI Bank Expression Credit Card.

In order to obtain this card, individuals have to fulfil several qualifying requirements, a few of which are listed as follows:

• The minimum age requirement for applicants is 23 years.
• It is important that the person in concern possess a permanent residence in India.
• It is necessary that individuals possess a favourable credit score.

Documents Required for Expression Credit Card

To apply for a credit card, individuals are required to provide specific documents to ICICI Bank for the Expression Credit Card. 

These documents serve as proof of the applicant's identification, address, and income.

Submission of any one of the following documents is required as proof of identity:

• The Aadhaar Card, 
• PAN Card,
• Voter's ID Card, and
• Driving License 

are commonly used identification documents in India.

Proof of address can be verified by submitting copies of any of the following documents:

The three bills that are regularly paid by people and their families are the:

• Telephone bill,
• The electricity bill, and
• The water bill.

The aforementioned documents should be submitted as proof of income.

• The purpose of this communication is to provide a comprehensive overview of the salary received over the course of the previous six-month period.
• The most recent income tax returns in the IT department of India
• Duplicates of passport-sized photographs.

Are there any prescribed rules that must be followed to have a personalised image on a credit card?

• Customers are prohibited from having the subsequent photos printed on their credit card.
• Trademarks and copyrights protect several forms of intellectual property, including Uniform Resource Locators (URLs), account numbers, telephone numbers, and email addresses.
• Prominent individuals, including celebrities and other famous people
• Images depicting explicit nudity and sexual content involving individuals that elicit strong emotional responses.
• The photos in question are characterised by their explicit display of violence, racism, and objectionable content.
• Firearms, also known as guns, are portable weapons that use explosive propellants to
• Depictions of anti-social or vulgar conduct
• Visual representations that centre around substances such as drugs, alcohol, tobacco, or activities related to gambling.
• The subject matter of religious or political pictures is being discussed.
• Socially stigmatised collectives or expressions of political ideology
• The text provided pertains to potentially harmful images that could negatively impact network partners.
• The primary subject matter of the images is money or currency.
• The Olympic Games, a renowned international sporting event, have a rich history dating back to ancient times.
• The discernible characteristics of Card Processing Associations
• Visual representations depicting offensive language or explicit content.
• This study presents a collection of visual representations including ICICI Bank, including its logo and debit card.
• Also, the study includes visual depictions of various banks and financial institutions.
• Furthermore, the study incorporates flags, emblems, and logos associated with the Indian Constitution or those about other countries.

FAQ : ICICI Bank Expressions Credit Card

Is it possible to have the same picture printed on the replacement credit card?

It is possible to obtain a replacement ICICI Bank Expressions Credit Card using the same picture that was previously printed on your most recent Expressions Credit Card.

I would like to inquire about the process for modifying the image that is displayed on my existing ICICI Bank Expressions Credit Card.

To obtain a fresh image on your credit card, it is necessary to submit a request for a replacement credit card.

This can be done by starting contact with the customer care centre of ICICI Bank's credit card services. The provided number is 1860 120 7777.

What is the duration of validity for the ICICI Bank Expressions Credit Card?

The ICICI Bank Expressions Credit Card remains valid for four years starting from the date of issuance.

Does this credit card offer an annual fee waiver?

Users are exempt from paying the annual charge provided that their expenditure exceeds Rs. 1.50 lakh.

If I lose my ICICI Bank Expression Credit card, will I be able to use the same photo on my replacement card?

Yes, a substitute card with the same image will be issued in the event of card loss or damage.

How do I change the photo on my ICICI Bank Expression credit card?

You must reapply for an ICICI Bank Expression Credit card at your local ICICI Bank branch or by calling ICICI Bank customer service.

How long is an ICICI Bank Expression Credit Card valid?

The ICICI Bank Expression Credit Card is effective for four years beginning on the date it was issued.

Who can use a secondary ICICI Bank Expression Credit Card?

Additional or supplementary credit cards are available to close family members of the primary cardholder.

This includes parents, spouses, and offspring aged 18 or older.