ICICI Bank Bigbasket Credit Card
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Community Consensus
Consensus Note: ICICI Bank Bigbasket Credit Card issued by ICICI Bank remains a flagship choice for Existing cardholders continuing to use a discontinued ICICI Bank Bigbasket co-branded credit card — new sourcing has stopped. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The ICICI Bank Bigbasket Credit Card issued by ICICI Bank offers competitive value for Existing cardholders continuing to use a discontinued ICICI Bank Bigbasket co-branded credit card — new sourcing has stopped. Audit your monthly spending against its ₹500 (no documented waiver path) fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹500 (no documented waiver path)
- ⚡ Lounge access policy: No airport lounge access
- ⚡ Reward rate: 1 Reward Point per ₹100 retail (legacy structure); ₹0.25/point statement credit subject to ₹99 + GST redemption fee
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
ICICI Bank Bigbasket Credit Card Review
[!NOTE] The ICICI Bank Bigbasket Credit Card is a discontinued co-branded credit card whose dedicated product page returns 404 on the live ICICI Bank site. Sourcing has been stopped and no replacement product is currently offered by ICICI Bank for the Bigbasket ecosystem. This review covers legacy benefits (1 Reward Point per ₹100 retail, ₹500 fee, 3.5% forex) for existing cardholders.
At a Glance
| Annual Fee | ₹500 (no documented waiver path) |
| Joining Fee | ₹500 |
| Renewal Fee | ₹500 |
| Best Categories | 1 Reward Point per ₹100 retail (legacy) |
| Lounge Access | None |
| Forex Markup | 3.5% |
| Fuel Surcharge Waiver | 1% on transactions ₹400–₹4,000 (per legacy structure) |
Pros
- Co-branded Bigbasket grocery benefits — historical benefit structure for existing cardholders per original MITC
- 1 Reward Point per ₹100 retail — slow but consistent base earn
- 1% fuel surcharge waiver on transactions ₹400–₹4,000
- Standard ₹50,000 zero fraud liability cover — basic protection on unauthorized transactions
- Free add-on card — supplementary card for family members at no extra cost
- Visa acceptance globally — Visa network reach for online and offline retail
Cons
- Discontinued — not available for new sourcing — the official ICICI Bank product page returns 404
- No official product page — no live source for current benefit terms; legacy benefit structure applies
- ₹500 annual fee with no documented waiver path — unlike most entry-level cards, there’s no spending threshold that waives this fee
- No airport lounge access at all — zero domestic or international visits
- No welcome bonus — existing cardholders got no joining benefit at issuance
- No milestones, no annual bonus vouchers — earn rate is flat 1 RP per ₹100 across all categories
- Reward Point value is poor — 1 RP per ₹100 = 1% earn rate, redeemed at only ₹0.25/point = 0.25% effective cashback before redemption fee erosion
- ₹99 + GST reward redemption fee — every redemption request eats into your earnings
- 3.5% forex markup — useless for international travel
- 3.4% per month cash advance interest — card is not designed for ATM withdrawals
- ₹100 card replacement fee for damaged or lost cards
- Heavy exclusion list — fuel, rent, EMI, wallet loads all earn 0 Reward Points
- No SmartBuy, no accelerated rewards on Bigbasket itself — unlike the active Amazon Pay ICICI card (5% on Amazon.in), this card does not appear to have published Bigbasket-specific cashback rates
- Limited ongoing benefit communication — without an official product page, current terms may differ from this legacy snapshot
Rewards Earning
Reward Points Structure (Legacy)
| Category | Earn Rate | Monthly Cap | Notes |
|---|---|---|---|
| All retail purchases | 1 RP per ₹100 | None | Standard base earn |
| Reward Point value | ₹0.25 per RP | — | Statement credit only |
[!IMPORTANT] The headline earn rate is 1% gross but the effective cashback after redemption value + fee is ~0.18%. Redeeming 400 points (₹100 credit) is wiped out almost entirely by the ₹99 redemption fee. The only sensible strategy is to bulk-redeem 1,000+ points (₹250+ credit) per request.
Categories That Earn Nothing
| Category | Reason |
|---|---|
| Fuel | Excluded — only 1% surcharge waiver |
| Rent (MCC 6513) | Excluded |
| EMI Conversions | Excluded |
| Wallet Loads | Excluded |
| Cash Advances | Excluded; 3.4% interest per month from day 1 |
Fuel Surcharge Waiver
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
- GST on surcharge not refundable
Airport Lounge Access
| Domestic Lounges | None |
| International Lounges | None |
| Priority Pass | Not provided |
[!CAUTION] The ICICI Bank Bigbasket Credit Card is not a travel card. There is no lounge access whatsoever — neither domestic nor international. For lounge access, look at HDFC MoneyBack+ (2 domestic/year), IDFC FIRST Classic (4 domestic/year), or Axis Bank Ace (4 domestic/year with ₹50K quarterly spend gate).
Fees & Charges
| Fee | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual / Renewal Fee | ₹500 (no documented waiver) |
| Cash Withdrawal Fee | ₹500 flat |
| Finance Charges (Cash Advance) | 3.4% per month (40.8% per annum) |
| Reward Redemption Fee | ₹99 + GST per request |
| Card Replacement Fee | ₹100 |
| Add-On Card | Free |
| Forex Markup | 3.5% |
Indicative Value Chart (₹2 Lakh annual spend, legacy structure)
| Category | Annual Spend | Reward Points | Cash Credit (₹0.25/RP) | Notes |
|---|---|---|---|---|
| Retail purchases (1 RP/₹100) | ₹1,80,000 | 1,800 | ₹450 | ₹99 fee minus = net ₹351 |
| Fuel (1% surcharge waiver) | ₹20,000 | 0 | ₹200 | Direct saving |
| Lounge visits | — | — | — | None included |
| Annual fee | — | — | -₹500 | No waiver documented |
| Net annual benefits | ₹2,00,000 | 1,800 | ₹51 | 0.03% effective return (after fee) |
[!WARNING] This is one of the lowest-reward, highest-fee entry-level cards still in the Indian market. The combination of ₹500 fee + 1 RP per ₹100 earn + ₹99 redemption fee means on ₹2 Lakh annual spend, you net ₹51 in benefits after fees. For comparison, even HDFC Millennia (1% base + 5X on Amazon/Flipkart/Myntra + 1 quarterly lounge) returns ~3–5% on similar spends.
Who Is This Card For?
Best suited for:
- Existing cardholders maintaining the card per original MITC terms
- Legacy Bigbasket co-brand users who already have the card and don’t want to switch
Not ideal for:
- New applicants (card is discontinued — official page 404)
- Heavy reward earners (0.03% effective return)
- Frequent travelers (no lounge + 3.5% forex)
- Bigbasket-heavy shoppers (the card does not appear to publish Bigbasket-specific accelerated rewards)
- Users who want fee waivers (₹500 fee has no documented waiver path)
The Verdict
[!NOTE] The ICICI Bank Bigbasket Credit Card is a legacy co-branded card that has effectively been retired by ICICI Bank. The dedicated product page is gone, sourcing has stopped, and the remaining benefit structure (1 RP per ₹100 retail + ₹500 fee + ₹99 redemption fee) is among the weakest in the active Indian credit card market.
The math for it: If you already have this card and don’t want to close it, the math is “fine” — ₹500/year fee, 1% fuel surcharge waiver, ₹50,000 fraud liability, free add-on card. You’re not losing money, you’re just not earning much.
The math against it: On ₹2 Lakh annual spend, you earn 1,800 Reward Points worth ₹450 cash credit. Subtract the ₹500 annual fee and the ₹99 redemption fee, and you net -₹149 — i.e., you lose money on this card every year. The 0.03% effective return makes this one of the worst-value entry-level cards ever issued in India.
Bottom line: Existing cardholders should seriously consider closing this card if they can — the fee + redemption fee structure ensures you lose money every year on small-to-medium spend levels. For new Bigbasket shoppers, ICICI Bank currently offers no active co-branded card; consider the Amazon Pay ICICI Credit Card (5% on Amazon.in, 1.99% forex, lifetime free) as a more rewarding general-purpose alternative, or the HDFC MoneyBack+ (2 lounge visits + 5X Amazon/Flipkart/Myntra) for a richer free-card stack.
Last verified on July 3, 2026. Data based on the 404 confirmation on the live ICICI Bank Bigbasket Credit Card page and legacy benefit structure from discontinued product documentation.
For the current ICICI Bank credit card lineup, see ICICI Bank Credit Cards.