ICICI Bank RuPay Credit Card
The best choice for UPI payments using a Credit Card
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 1.00% travel · 1.00% dining · 1.00% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Flipkart Axis Bank
At ₹50,000/month with 15% travel and 10% dining.
Tools for ICICI Bank RuPay Credit Card holders
Frequently asked
Is the ICICI Bank RuPay Credit Card worth the ₹500 fee?
It depends on your spend. The ICICI Bank RuPay Credit Card earns 1% base reward. Use the break-even calculator above to see your specific number.
What is the eligibility for ICICI Bank RuPay Credit Card?
ICICI typically requires a minimum income of ₹20,000/year for the ICICI Bank RuPay Credit Card.
How do I redeem points on ICICI Bank RuPay Credit Card?
Best redemption is at iShop rewards catalog, where 1 point ≈ ₹0.25. Other paths (statement credit, vouchers) usually return less.
What is the forex markup on ICICI Bank RuPay Credit Card?
Most Indian cards charge 1.5–3.5% forex markup. We're verifying ICICI Bank RuPay Credit Card's exact rate.
Last verified: 2026-05-01. Reward rates and fees are sourced from ICICI's product page and may change. Always confirm with the card issuer before applying.