HomeBusinessICICI Bank Mine Credit Card: Review, Features, Apply

ICICI Bank Mine Credit Card: Review, Features, Apply

ICICI Bank Mine account credit card comes with amazing features. It has three plans to choose from as per your credit requirements— Starter, Pro, and Premium Plan. The three plans have different features and a range of benefits. From exclusive dining benefits to cashback offers to travel benefits, the ICICI Mine account credit card is one of the most lucrative options in the easily affordable range. Get 5% savings on all your transactions made using this ICICI credit card and enjoy a myriad of perks. 

ICICI Mine Account Credit Card Review

Best for people who love to dine-out, the ICICI mine credit card also has the following promising features: 

Fee and Charges

Joining Fee

  • Starter plan: Nil
  • Pro plan: Rs. 99/ month 
  • Premium Plan: Rs. 149/ month 

Renewal Fee

  • Starter Plan: Nil
  • Pro Plan: Rs 49/ month
  • Premium Plan: Rs 149/ month

Rewards Redemption Fee

  • Rs 99 per redemption request

Interest Rate

  • 3.4% per month or 40.80% per year

Add-on Card Fee

  • Nil

Fuel Surcharge

  • You enjoy a 1% waiver on fuel transactions made at all HPCL petrol pumps.

Foreign Currency Markup

  • 3.5% on international transactions

Cash Advance Charge

  • 40.80% per year or 3.4% per month

Spend based Waiver

  • On monthly spending of Rs 10,000 with the Pro Plan 
  • On monthly spending of Rs 20,000 with the Premium Plan


You can save up to 5% on all your expenditures. You get a 1% cashback on all retail spends and 5% on exclusive partner brands.


You enjoy a subscription to EazyDiner Prime Membership for 2 months with the Premium Plan of ICICI Bank Mine credit card.

Reward Redemption

1 Mine cash equals Rs 0.5 on redemption against the ICICI Bank Reward catalogue. However, 1 Mine cash equals Rs 1 on redemption against the statement balance. 


With the ICICI mine account credit card, you get complimentary railway and domestic airport lounge access each month. The Premium Plan offers one complimentary visit to the domestic lounge per month. Furthermore, you get 7% off on hotel bookings with a maximum discount of Rs 5,000. p to Rs 600 off with a 4% discount on flight bookings with the Pro and Premium plans.  

Zero Liability Protection

There is no liability of the ICICI Bank Mine credit cardholder against fraudulent transactions when they report the loss or theft of the card within the specified time frame.

Comparison of Features of ICICI Bank Mine Credit Card Plans

FeaturesStarter PlanPro PlanPremium Plan
Monthly membership feeNilRs.99Rs.149
Lounge Access1 railway lounge access/ month.1 domestic airport lounge access and railway lounge access/ month.
Dining Benefits15% or more discount15% or more discountComplimentary EazyDiner membership with a 15% dining discount.
Cashback1% on all spendings1% on all spends and 5% cashback on partner brands.1% on all spends and 5% cashback on partner brands.
Spend-based waiver (spends needed within 1 month)Rs. 10,000Rs. 20,000

Disadvantages of ICICI Bank Mine Credit Card

Those looking for golf benefits will be disappointed to know that the ICICI Bank Mine Credit Card doesn’t offer any golf benefits. You do not get international lounge access or insurance benefits with this card. 

Eligibility Criteria for ICICI Mine Credit Card

If you have an ICICI savings account, you can apply for credit cards. Following are the eligibility criteria that you must fulfil to apply for ICICI Account Mine Card:

  • You should be at least 21 years of age. 
  • You should have a good credit score.
  • A stable source of income is a must.

You will also be required to submit the following documents:

  • Identity Proof: Aadhar Card, PAN Card, Voters Id, Driving License, or Passport.
  • Address Proof: Passport, Driving Licence, Aadhar Card, or Utility bills (not older than three months).
  • Income Proof: Salary Slip, Latest ITR, or Bank Statement.

How To Apply For ICICI Bank Mine Credit Card?

  • Online Application: Visit the ICICI bank’s official website, fill out the online application form, attach the documents, and submit the form. 
  • Offline Application: Visit the nearest bank branch, fill out the application form and submit it with copies of the necessary documents.


The ICICI Mine credit card is an affordable credit card for people seeking a basic credit card with a decent reward rate and multiple redemption options. You can also redeem your Mine cash amount against the statement balance. Choose one of the three plans and enjoy the great features and saving opportunities. 


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