INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official icicibank.com (ICICI Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️ICICI Bank Ltd.Network: VisaShopping & Rewards CardsLast Verified: 2026-09-28

ICICI Mine Credit Card

आईसीआईसीआई माइन क्रेडिट कार्ड

Modular subscription-based card for millennials offering up to 5% cashback on Amazon, Swiggy, Zomato, and dynamic plan toggling.

Annual FeeSubscription-Based (₹0 to ₹149/month based on plan)

Reward RateUp to 5% Cashback on leading partner apps (Amazon, Swiggy, Zomato, BookMyShow, Myntra) on the Pro subscription tier. 1% cashback on all other retail transactions.

Airport Lounge1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter (available on Pro tier).

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

ICICI Mine Credit Card is India's first monthly subscription-based digital credit card tailored for millennials and Gen-Z digital natives. It introduces a modular subscription model where cardholders can toggle plans on or off in the iMobile app to enjoy up to 5% cashback on Swiggy, Zomato, and Amazon.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

Subscription-Based (₹0 to ₹149/month based on plan)

Fee Waiver: Base plan is Lifetime Free (₹0); higher monthly cashback plans (₹49/mo or ₹149/mo) can be toggled on/off dynamically via iMobile app.

🎁Welcome Benefit

Amazon Pay gift voucher or partner subscription voucher credited upon first retail purchase on the iMobile app.

⚡Reward Points Structure

Up to 5% Cashback on leading partner apps (Amazon, Swiggy, Zomato, BookMyShow, Myntra) on the Pro subscription tier. 1% cashback on all other retail transactions.

Redemption Value: 1 Reward Point = ₹1.00 directly credited to card statement balance as cash.

🛫Airport & Railway Lounge Access

1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter (available on Pro tier).

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.

🎯Milestone Spends & Grace Period

Milestones: Dynamic plan switching between Free, Starter (₹49/mo), and Pro (₹149/mo) allowing cardholders to activate benefits only during heavy spend months.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Higher 5% cashback requires paying a recurring monthly subscription fee of ₹149 + GST. Monthly cashback is capped at ₹750 per month. Free tier offers modest 1% cashback.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.50% monthly finance charges.

Finance Charges (Interest)3.50% per month (42.00% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).

Reward Points ExpiryCashback is credited directly to statement balance and does not expire.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 35 with monthly salary exceeding ₹25,000. Self-employed individuals aged 21 to 35 with annual ITR exceeding ₹3,00,000.

Age Requirement21 to 35 Years

Minimum Income₹25,000/month (Salaried) / ₹3,00,000/year ITR (Ages 21–35)

CIBIL Score NoteA credit score of 720+ is standard.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens aged 21 to 35.

How to Apply (Official Procedure)

Online Digital Application Flow

1Open the iMobile Pay app or visit icicibank.com/mine.

2Enter PAN and mobile number for instant algorithmic check.

3Choose your preferred subscription tier (Free, Starter, or Pro).

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Digital card activated instantly in iMobile; physical card dispatched within 3 business days.

Branch Application for Offline Applicants

Apply at any ICICI Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (icicibank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on ICICI Mine Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on ICICI Mine Credit Card into EMI?

Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on ICICI Mine Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹1.00 directly credited to card statement balance as cash. Please note: Cashback is credited directly to statement balance and does not expire.

What is the interest-free grace period on ICICI Mine Credit Card and how does it work?

The interest-free period on ICICI Mine Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

← Back to Complete Credit Cards Directory View All ICICI Bank Ltd. Products & Loans →