Key Features & Benefits
- ✦STARTER (Free): 1% cashback on all spends; no fee
- ✦PRO ₹49/month: 5% cashback on Amazon Prime, BigBasket, BookMyShow, Gaana, Ola, PVR, Swiggy, Zomato; 1% on all others; 2 lounge visits/year
- ✦PREMIUM ₹149/month: 5% cashback on Amazon, BigBasket, BookMyShow, Fitternity, Goibibo, MakeMyTrip, Myntra, Ola, PVR, Swiggy, Zomato; 1% on all others; 4 lounge visits/year
- ✦Switch plans anytime — no lock-in
- ✦Monthly spend waiver: Pro at ₹10K/month, Premium at ₹20K/month
- ✦Cashback credited monthly as statement credit
- ✦Contactless payment enabled
- ✦Add-on card available
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Welcome & Joining Benefits
- ✦Instant digital card on approval
- ✦Free plan available with no fee whatsoever
Milestone Benefits
- ✦Spend ₹10K/month on Pro → monthly ₹49 fee waived
- ✦Spend ₹20K/month on Premium → monthly ₹149 fee waived
Pros & Cons
✓ Advantages
- ✓Only credit card in India with 3 switchable monthly plans
- ✓5% cashback on everyday apps — Zomato, Swiggy, Ola, PVR
- ✓Free Starter plan — no cost to enter
- ✓Plans can be changed dynamically based on monthly needs
- ✓No annual commitment — pay only for months you use
✗ Disadvantages
- ✗Monthly subscription model can feel like an additional bill
- ✗5% merchants list limited — not universal
- ✗No golf, lounge (basic), or travel benefits
- ✗3.5% forex markup
Frequently Asked Questions
Can I start with Starter and upgrade to Pro later?▼
Yes — you can switch between Starter, Pro, and Premium plans at any time through the ICICI iMobile app or net banking.
Is the 5% cashback monthly capped?▼
Yes, the 5% cashback has a monthly cap. Check the current T&C for the applicable cap, as ICICI may update the cap from time to time.
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