What's good
- Zero maintenance cost — purely passive value
- Unlocks exclusive ICICI e-commerce sale discounts
- Accepted across all major Indian shopping platforms
Watch out for
- Very poor base reward rate outside sale events
- No reward points on rent, e-wallet loads, government, and education spends (2026 change)
- Reward points expire after 2 years of card inactivity
Who should pick this card?
Best suited for someone focused on bank offers.
This sits in the Lifetime Free category — Zero annual or joining fee — ever. Great starter cards with no cost of ownership.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
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