ICICI Bank RuPay Credit Card
ICICI Bank · RuPay
Why this card?
- 1% cashback on international spends; 0.5% on other spends
- Lifetime free — no joining or annual fee
- 1% fuel surcharge waiver
Card details
- Issuer
- ICICI Bank
- Network
- RuPay
- Annual Fee
- Lifetime Free
- Joining Fee
- None
- Reward Type
- cashback
- Best Reward Rate
- 1% on all eligible spends including UPI credit transactions
- Domestic Lounge
- None
- Min. Monthly Income
- ₹20,000
- Rates verified
- 2026-10-06
Our verdict
ICICI's RuPay credit card page is now a family page listing several variants (Coral, HPCL Super Saver, Rubyx, Sapphiro and MakeMyTrip RuPay) rather than a single card, so fees and benefits depend on the variant. Across the family, rewards are 2 points per ₹100 on domestic spends and 4 on international (about 0.5% and 1% at an assumed ₹0.25 per point), and UPI credit transactions count as eligible spends. The listed income requirement is ₹20,000 a month.
Pros
- UPI credit transactions count as eligible spends for rewards
- Several variants to choose from, from entry-level to premium
- ICICI Bank backend — reliable infrastructure and support
Cons
- Fees differ by variant; there is no single lifetime-free RuPay card on the issuer's page
- Base earn is about 0.5% back in points on domestic spends, not flat cashback
- Limited international acceptance vs Visa/Mastercard
- UPI CC not accepted on all apps at all merchants